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

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$99.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX streaming service for years and they have recently allowed streaming services to be added to their credit boost service that they use to boost credit scores. I have several XXXX XXXX XXXXXXXX bank accounts linked to this service and on of them has had XXXX streaming and disc rental service for more then the minimum 3 month services. I emailed them several times and they asked for the last XXXX charges and the bank account they were from. I even gave them the amounts and the last XXXX posting and charge dates along with the last XXXX bank account numbers so they could add this service. but they keep replying with the same info saying why items are listed in boost despite the first email asking for the specific info amount the XXXX charges. It is though no one is reading my replies my responses are being auto replied to. I have sent XXXX emails with the requested info and it seems they are being ignored. My last email I stated that I was going to file a formal complaint and if needed legal action as this is getting very annoying. I do not have time to continue to send the same email replies about the XXXX service. I have asked them repeatedly to add it and have provided the proof 4 times as I mentioned earlier. XXXX XXXX XXXXXXXX has listed this service as a purchase despite it being a streaming service, and they will not change how they list transactions as they are automated in their system. I will list the proof here from the last XXXX XXXX transactions. 

The streaming company is listed as XXXX They are from XXXX XXXX XXXXXXXX account ending in XXXX which is linked to my Experian Boost Account. 

XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX XXXX. The amount is {$36.00} Posting Date XX/XX/XXXX, Charge Date XX/XX/XXXX The XXXX steaming service amount will be increasing effective with the March 3rd 2022 monthly charge, but I am unsure to that amount until after the charge posts to my bank account.
Product: Credit card or prepaid card

The following is in response to my previous complaint : XX/XX/2023 Elan Financial Services Customer Assurance Retail Payment Solutions Office of the President XXXX XXXX XXXX XXXX, ND XXXX Re : Account ending in XXXX Dear XXXX, I am writing to inform you of the severity and gravity of the actions taken by your company regarding my account. The reduction of my credit limit based on a payment that was not even 30 days past due is not only an unfair practice but has caused substantial inconvenience and stress. 

This decision appears to be in direct response to my earlier complaint, and I must stress that I find these actions unacceptable and unethical. If my credit limit is not restored to its previous amount, I am prepared to take further action, including but not limited to seeking legal recourse and escalating this matter to regulatory authorities. 

I have been a responsible cardholder, and the handling of this situation by Elan Financial Services falls far below the standard of fair and transparent business practices that customers should expect. 

I strongly urge you to review this matter with the utmost seriousness and take immediate steps to rectify this situation. I expect a response within [ reasonable time frame, e.g., 10 business days ], confirming the restoration of my credit limit. 

Should my request not be met, I will have no choice but to pursue all available options to protect my rights as a consumer. 

I can be reached at [ your contact information ] should you wish to discuss this matter further. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX cc : Consumer Financial Protection Bureau XXXX
Product: Credit reporting

I did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times. 
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the XXXX XXXX.
Product: Debt collection

I have mailed and sent Equifax copies of the court dismissal paperwork of the debt I supposedly owed to Midland Funding. The paperwork clearly states the companies name, Midland Funding and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX BANK XXXX Balance : {$2700.00} ; XXXX BANK XXXXBalance : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

States Recovery System # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.
Product: Credit card or prepaid card

There was a fraud on my my American account that I closed 3+ years ago. American express fixed the issues after I file complaint and told me it is fixed and account is closed. I do not think they fix the issue properly. Similar fraud is happened again. Please note MY ACCOUNT WAS CLOSED years ago. No-one should be able to use it. 

Today I receive statement that someone used this CLOSED account on XX/XX/21 again and there is a of charge of {$9.00}. ( see attachment ) I called Amex immediately. After waiting hours on the line, and person told me they will work on it but did not receive any confirmation. This is a repeating fraud activity and needs permanent solution. 
The main problem is Amex SHOULD NOT ALLOW any charge on closed accounts. This fraud activity keeps happening on same account and it is damaging my credit record and more importantly I may lose my job because of bad credit. I am a Government employee with clearance and maintaining good credit is very important to keep my job. Account is closed 3 years ago. It looks closed in my credit report, it looks closed on statement in the statement they sent me. ( see attachment ) Why Amex is allowing someone to used my closed account.
Product: Student loan

FEDLOAN is refusing to count qualifying payments towards forgiveness made to prior lenders who sold my loans to them ( i.e. XXXX sold my loans to FEDLOAN ). 
No wonder people are suing them and winning!! 
I submitted a detailed schedule with my application to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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

To : CFPB XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX : XXXX To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Transunion credit report, which is inaccurate. 

Specifically, the alleged item is for a late payment to a line of credit that was never used. There ca n't be a late payment when you do n't carry a balance. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Transunion report showing the derogatory item. 

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

I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit  reporting bureaus.
Product: Credit card

In XX/XX/2023, I contacted Comenity Bank to inquire about a hardship program for my accounts with them due to illness and death in my family. During this time, I fell behind on my payments on a few cards. After speaking to a representative on the phone, I was granted a hardship program. However, I was concerned about credit reporting during this time. Typically, companies freeze credit reporting or do not report you as late when working with you to bring your account current. When I asked the representative and supervisor, they informed me that they could not disclose any information regarding what would happen with credit reporting. 

I wanted to know if I was going to be reported late, so I could pay what was past due to avoid this happening. After signing up for the hardship program, I was still reported late on one or two of my cards, even though I had made the payments. I reached out via secure email in the portal and was told I would hear something in about 30 days. However, I received a letter in the mail from all three cards that reported me late. The letter stated that I don't qualify for a goodwill negative credit reporting mark. I don't understand why I wouldn't qualify, as I have always paid my accounts on time and have never been in this situation before.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, TRANSUNION, XXXX PACER, XXXX XXXX XXXX
Product: Mortgage

I inherited a house from my mother 7 years ago there was a mortgage with XXXX XXXX at the time of her death the property wasn't in default. XXXX XXXX wouldn't allow me to assume the loan as per federal law and caused the loan to go into default by making me submit the same paperwork over and over than telling me the time expired and having to start all over again while going through this process they filed foreclosure on the property. At the foreclosure hearing the court ordered in my favor as they hadn't followed the law and the court dismissed the foreclosure and advised their attorney to advise their client to correct their error which they refused to do. The response I got from the bank was being jerked around and they filed numerous foreclosures which they ultimately I filed bankruptcy. After the was bankruptcy dismissed. They have supposedly sold the loan but I don't know to who. They can't or won't account for the XXXX I paid during Bankruptcy. I went into bankruptcy owing XXXX I paid XXXX and after bankruptcy I still owe XXXX. So now the bank has violated my rights as a heir to my property which has been my primary residence since 2009 they are also in violation of Federal Law and in contempt of a court order and they are still trying to foreclose on my home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and ( XXXX : XXXX ) | was never late on the accounts XXXX & XXXX. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from XXXX. 
Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. Enclosed is an email that proves I requested this information, supporting my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS MY POLICE REPORT, FTC REPORT IN REGARDS TO THESE HARD INQUIRES BEING FROM IDENTITY THEFT INSTEAD OF THEM REMOVING THE ILLEGAL IDENTITY THEFT HARD INQUIRES FROM MY CREDIT REPORT SECTION ( 605B FCRA ) THEY'RE STALLING SENDING LETTERS THAT MAKE NO SENSE REMOVE THESE ILLEGAL IDENTITY THEFT HARD INQUIRES FROM MY CREDIT REPORT OR I WILL BE FORCED TO TAKE TRANSUNION TO SMALL CLAIMS COURT I HAVE ATTACHED ALL THE PAPER WORK ( POLICE REPORT, FTC REPORT ) INCLUDING THE HARD INQUIRES I NEED REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advised equifax and XXXX that I have no knowledge of these accounts. Requested that they be removed within 30 days. The credit company 's failed to remove them. I spoke with XXXX on XX/XX/2023 and they removed the accounts as they were determined inaccurate accounts. I will attach a screen shot showing they were removed off my XXXX account. The other credit bureaus have failed to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, Equifax, XXXX  ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX XXXX  XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX - Non Specific Equifax 1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX Credit Card 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX Credit Card 5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX  1. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX  Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX Account # XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

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

15 U.SC 1681 section 601 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

SPS loan servicing has not reduced my principal amount owed, In fact has increased the principal balance.
Product: Student loan

I currently have 12 loans which Mohela services. I work for a state agency so my payments should be counting towards public loan forgiveness. However 3 of the loans are in a " Forbearance '' status and 5 are in a " Grace Period Status '' and I was told by Mohela this means that any payments on those loans do not count towards PSLF.

I do not know why the loans have those statuses, I never requested that they be in a grace period or forbearance period. I want them to all be in repayment status so that I am making qualified PSLF payments towards those loans. 

I have called Mohela twice about changing the status of these loans to a repayment status, once in XX/XX/XXXX and XXXX in XX/XX/XXXX. Both times they told me they would change the status to repayment but they never actually made any changes. So I have essentially been working for a state agency for the last 7 months yet none of that time will count towards PSLF because Mohela refuses to change the status of my loans, statuses which, again, I never requested in the first place.

I just want them to change all of my loans to repayment status so that I can be making qualified PSLF payments, and I am frustrated that the last 7 months of time I have been working for a public agency are not counting towards my loan forgiveness.
Product: Mortgage

We have started a short sale with OCWEN ( mortgage servicer ) & it 's been almost nine months & they are not willing to work with the highest offer. The current buyer is offering 90 % of what OCWEN wants & OCWEN is still not accepting it. It looks like they are trying to foreclose instead of working with short sale.
Product: Credit reporting or other personal consumer reports

The account listed below has been paid in full and closed, and I am requesting its removal from my credit report under the relevant provisions of the Fair Credit Reporting Act ( FCRA ). 

Under 15 USC 1681b ( 2 ), I believe including this account on my credit report is improper, as it is no longer necessary for credit reporting purposes. Additionally, the account is governed by 15 USC 1681 ( q ), which restricts the continued reporting of outdated and irrelevant account information once it is closed and paid in full. 
Furthermore, as per 15 USC 1681c-2, accounts that have been paid and closed should not remain on the credit report indefinitely if they no longer accurately reflect my current credit status. 

Given that this account is paid and closed, I understand that it should no longer be listed on my credit file. Therefore, I am requesting that this item be removed by the relevant sections of the Fair Credit Reporting Act. 

Please conduct a thorough investigation of this matter and promptly respond to confirm that this account has been removed from my credit file. I would appreciate your assistance in resolving this matter quickly, and I look forward to receiving an updated copy of my credit report reflecting the removal of this account. 

Thank you for your attention to this matter. If you require any additional information or documentation, please feel free to contact me at XXXX or via email at XXXX. 

Respectfully, XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXXXXXX This is a snapshot of my Report Confirmation XXXX XXXXXXXX