23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account DPT EDXXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo dealer services has submitted a charge off this XXXX of XXXX. The account was paid off in XXXX of XXXX. The charge off indicates XXXX XXXX The last payment of XXXX $ was paid in XXXX of XXXX. This was so long ago and I do not have the vehicle any longer I do not have the pay off letter that I received in XXXX. This reporting of a charge off that was never done is being reported 4 and XXXX years after the last payment was recorded. Its been to long for me to still have the verifiable paperwork to disprove this charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer XXXX XXXX  Deleted XXXX XXXX XXXX Texas on XX/XX/2022. Bankruptcy is still showing on report. Based off the credit laws, if items are incorrect or inaccurate they should be removed from credit report.
Product: Credit reporting or other personal consumer reports

These inquiries are not mine, and I have no association with the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the XXXX data breach, I have made attempts at all three credit reporting bureaus and their services have been unable to process my request after several attempts over the past XXXX days ( XXXX ). This is likely due to the volume of requests.
Product: Mortgage

Ocwen submitted XXXX information misrepresenting the date of the " forgiveness '' as being XX/XX/XXXX when, in fact, the date was XX/XX/XXXX. The date is significant when filing state tax, as the state of CA does not allow the omission of the forgiveness as " income '' after XX/XX/XXXX. Furthermore, Ocwen sent a corrected XXXX but it did not reflect any changes in the incorrect date. The CA XXXX XXXX XXXX is under the erroneous assumption that the $ XXXX forgiveness occurred in XX/XX/XXXX due to Ocwen 's misrepresentation.
Product: Credit reporting or other personal consumer reports

I sent disputes in about XXXX accounts earlier. ( XXXX XXXX and XXXX XXXX ) These accounts are inaccurate and must be deleted from my consumer report. The dates are not accurate. Delete these accounts. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I also have an account reporting on my consumer report showing a late payment in the payment history. ( The account is XXXX XXXX  ) ( I have always made all my payments on time ) ( This late payment is inaccurate and should be reporting as paid on time, paid as agreed or never late. Please update this account for XX/XX/year> to on time, never late, paid as agreed )
Product: Checking or savings account

On XX/XX/1967 I purchased a Certificate of Deposit for {$10000.00} from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, with an interest rate of XXXX % per year, automatically renewable. I discovered that XXXXXXXX XXXX  was acquired by Bank of America. When I took the CD to BoA to cash it in, I was told that there is no record of it. I contacted BoA main office and received a letter from them stating in summary that they don't have a record of it and to check with the state XXXX XXXX XXXX. I did check with them and they don't have a record of my money being sent to them. I have been passed around to various federal government agencies with no resolution to the problem, such as FDIC, OCC, and OFR.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The XXXX bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Mortgage

My name is XXXX XXXX I live in XXXX XXXX XXXX. I 'm a flood victim in XXXX XXXX, the flood XXXX on XXXX XXXX 2016. On XXXX XXXX I contact my mortgage company Nation Star to inquire about a forebearance program for my mortgage payment. As I explained my situation to a Nation Star agent over the phone, the agent complied that the company does provide services to help disaster victims. As I recorded the entire conversation the agent suggest that he credit my payment that was paid in full on the XXXX of XXXX back into my account. The agent assured me that I would receive NO late fees or penalties. He explained while I recorded the conversation that he would enter a code that would prevent any type of penalties. I recieved the credited payment for XXXX on the XXXX. I received a threatening letter in XXXX stating my payment for XXXX being late and I could be subject for foreclosure procedure if the bill is n't brough up to date. I immediately paid XXXX and XXXX in the sum of XXXX on XXXX XXXX. Nation Star credited my mortgage for XXXX back into my account and explained this is a program they offer. On XXXX XXXX after I paid XXXX mortgages in full Nation Star placed me into the credit burea and insisted that I was XXXX to 59 days late. My score dropped tremendously. I spoke to supervisors on several occasions and ask them to pull their tapes to examined that this company act in a manner to credit XXXX paid mortgage, non of this was my fault. Nation Star recovery team only complied that their agent made a mistake. I want to file charges with this company. I never had a late mortgage payment or penalties, this company have severely hurt my credit and I seek your help to help recover my loss of promises and active credits of my mortgage and the huge drop in my credit. Thank you very much.
Product: Student loan

On XX/XX/year>, I requested for any information on how to apply and how I could request for an application for a discharge and refund of my private student loans due to school misconduct and closure. On XX/XX/year>, I received an automated message informing me my message was received. On XX/XX/year>, I received a message informing me that it was under review. On XX/XX/year>, dated XX/XX/year>, I received a denial letter in the mail. On XX/XX/year>, through email, I received a denial message and the same denial letter attached. I specifically sent the request through the servicer email I was given on their website only to have them forward the request to the bank that I originally thought but was misled, had the loan, but to the servicer I was already paying. The letter mentions that I should file a complaint with other authorities, which is not related to this issue. Either way, I was denied for a discharge without even receiving an application to apply for a discharge of my private student loans due to school misconduct and closure.
Product: Credit card or prepaid card

Company sent card and bills to wrong address. Company then reported account late, even though it was their error. Once contacted they waived all late fees and we paid balance in full. Company refuses to correct late status on credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VERY CONCERNED ABOUT TRANSUNION AND I CALL TO YOU. BECAUSE SINCE XX/XX/2021, I HAVE COMMUNICATED BY LETTERS OR CALLS WITH TRANSUNION ABOUT SOME DITCHES THAT ARE NOT MINE. 

TRANSUNION SAYS THAT IF AND WHEN I CALL THESE BANKS OR COMPANIES, WITH MY SOCIAL SECURITY THEY DO NOT FIND MY INFORMATION WITH THEM. 
THESE ARE THE ACCOUNTS : XXXX XXXX XXXX ACCOUNT NUMBER XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/2023.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BONNEVILLE COLLECTIO XXXX Balance {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I wish to dispute this account. This account was created XX/XX/XXXXXXXX XXXX XXXX devastated XXXX XXXX  of XXXX XXXX XXXX on XX/XX/XXXX, XXXX  days after this account was originated. 
I left XXXX XXXX XX/XX/XXXX. 
Hypothetically Speaking, if I were a student at that time - There should be a Student Loan Forgiveness Program for students that were affected and displaced due to Hurricane Katrina. 
If you are, legally, going to GIVE me this account, I wish to apply for Hurricane Katrina Student Loan Forgiveness or other disaster relief. 
The Company I worked for was destroyed I was unemployed. The Schools in XXXX XXXX were closed for at least 1 year or longer. I lost ALL MY private PROPERTY - HOME - CLOTHING. 
I stayed in a hotel in XXXXXXXX XXXX until XX/XX/XXXX. XXXX relocated me to XXXX  XX/XX/XXXX. I stayed in XXXX XXXX, XXXXXXXX XXXX  for XXXX  months paid by XXXX. I accepted residence in XXXX XXXXXXXX XXXX in XXXX. 
This Student Loan originated XX/XX/XXXX with XXXX as the servicer - XXXX sold it to XXXX XX/XX/XXXX, XXXX  years after. XXXX sold this Loan to protect itself. CFPB banned XXXX from servicing Student Loans based on years of abuse of Student Loans. There is reasonable doubt, of the accuracy and legitimacy of this student loan account.
Product: Mortgage

Ditech will not work with us at all to try to get our mortgage in current status. We have lived there for 11 years. We had a loss of income from social security due to child receiving assistance moving out which decreased our income by approximately {$950.00} a month. Also, my wife has been diagnosed with XXXX  and XXXX XXXX which sometime make it difficult for her to work on a consistent basis. I'm trying to make some kind of arrangement with them to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} DEPTEDXXXX XXXX {$280.00} DEPTEDXXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting

I requested Experian to revolve a tax lien from my credit report as it does not belong to me. The credit agency says that they verified the information is correct. That is absolutely not truethe lien is not mines and should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed an inquiry made by PayPal that I did not authorized upon my research to my surprise this is a common practice from pay pal. To have the sensitive information from consumers and to abuse it is unconscionable. This needs to be addresses and stopped at once.
Product: Checking or savings account

I have a savings account through Discover and they have made it impossible for me to withdraw/access my funds. I attempted to add my checking account to transfer funds and it was never added. I later tried to re-add it and it says that I can not add the account because it is HAS been added the account but according to them it is not added. They advised that I needed to delete the account and re-add it. I have tried this over five times and the account will not delete so it can be re-added so I am not able to access any of money in my savings account. 

***All communication with me needs to be in writing***
Product: Student loan

On XX/XX/XXXX I submitted an Income Repayment Plan/SAVEs application as student loan interest and repayments were about to start in XXXX. I submitted the application with all pertinent documentation. After a couple of weeks went by with no information, I contacted them via phone and the agent told me that the applications were being processed and they were very behind. I then received periodic emails stating that my application was in queue and another message stating that my application was put into forbearance and saw that almost {$500.00} in interest was added to the loan balance. After reading a few online forums in which several borrowers were stating that Nelnet wasn't properly communicating what was going on, I ended up calling again on XX/XX/XXXX to find out there was something manually that needed to be processed. So after waiting two hours to get ahold of someone, it was supposedly processed and the guy told me to give it a XXXX days for processing. After not receiving any information, I decided to contact them again on XX/XX/XXXX and was told by the woman I spoke to that they were processing applications for accounts that were past due and that it was taking them longer to get to the others. I explained to her that I was accruing almost {$500.00} a month in interest and would eventually be more since it is compounding. She put me on hold for quite some time waiting for a processer to become available and she finally said they were able to get everything approved and " pushed through ''. Today, XXXX, I get another almost {$500.00} in interest and my account online still shows some administrative hold. Because of their lack of staffing or properly processing documents, my account balance has gone up {$930.00} and there's supposedly nothing I can do about that. I can not spend hours on the phone trying to get ahold of someone nor are they properly communicating with borrowers when something is missing or needed. They just arbitrarily put people on forbearance that is making balances balloon.
Product: Credit reporting, credit repair services, or other personal consumer reports

15usc1681a 15usc section 602a 15usc section 604
Product: Checking or savings account

I recently opened a checking account with US bank and deposited my check into my account. When the funds cleared, my account was frozen with no sense to the explanation.
Product: Credit reporting or other personal consumer reports

My credit report displays XXXX incorrect hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulty getting an amount of XXXX removed from my XXXX XXXX XXXX XXXX XXXX account. The account was charged off and I settled it with their collection agency. The status should read paid collection
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00}
Product: Student loan

Navient keeps reporting incorrect information to the credit bureaus regarding my accounts, they are adding balances and subtracting balances and reporting incorrect late payments.This is adversely affecting my credit scores! I am in the middle of obtaining financing for a home for me and my children and their frequent updates are detrimental to this process. I have not received notice that I was out of forbearance during the times that the late payments were added to my credit reports. I have disputed with all 3 credit bureaus and Navient. I respectively ask that the lates reported from X/2013-X/2013 be removed immediately and set to current. I contacted Navient about the incorrect reporting and my loans were placed back in forbearance. Also, I want all loans older than 5 years removed off all 3 credit reports, as that is more than the statute of limitations for my state ( FL ). I need this done ASAP, as Navient is doing illegal collecting and reporting practices.
Product: Credit reporting or other personal consumer reports

There are debt collectors/ financial institutions on my " ens legis '' XXXX XXXX account that is fraud. Also identify theft. XXXX financial, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX hills MI. XXXX. 

XXXX XXXX asso. 
XXXX XXXX XXXX. XXXX, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These companies are in violation of title 15 u.s.c section 1 : trusts, etc., in restraint of trade illegal ; penalty $ XXXX {>= $1,000,000} fine. Also XXXX XXXX XXXX, actual damages. I'm trying to buy a house and a car but I can not because these debt XXXX are frivolously on my credit report and violating 15 usc 1, restraint of trade through Trust fraud.
Product: Credit card

I sent payment to Sears Credit card this past XXXX XXXX in the amount of {$200.00}, when I saw that payment had not been posted to my account on following statement I called Sears Credit card and spoke to a customer service representative, Since I sent a XXXX XXXX money order I submitted a trace and received a response that payment was received. I contacted Sears again and spoke to someone and stated that I submitted a copy of Money order trace, the person that I spoke to put me on hold and told me that yes they had located my money order and that my payment would be credited to my account shortly, several weeks lapsed before I called again and was told by a customer service representative that my payment would post the following Monday, a few days away ( this was about a month ago ). I then called last week and spoke to a customer service representative and she stated that payment had not been received, that she would refer my issue to the billing investigative department, I 'm back to square one. Sears Credit card has my payment but will not post my payment to my account.