23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, XXXX lost her salaried job and she was unable to find similar employment therefore our income reduction caused us to be late on our mortgage payments. 
XX/XX/XXXX, we were barely behind and were attempted to make payment arrangements, however Citi proceeded with foreclosure proceedings causing us to incur legal fees. To resolve this, in XX/XX/XXXX we entered into a repayment plan with Citi Mortgage from XX/XX/XXXX to the final payment in XX/XX/XXXX. Later we would receive a refund for a legal fees under the Independent Foreclosure Review because of Citi 's actions. 
We were lead to believe we would be eligible for a loan modification upon the completion of this plan, however Citi did not complete this. Instead, we fell behind on our payments again, and entered into a repayment agreement from XX/XX/XXXX to XX/XX/XXXX after which we modified the terms of our mortgage by extending the term. 
Please review this information to determine if the reporting of these payments can be updated to reflect that we paid the payments as agreed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Prior Cfpb Investigation related to this matter today XXXX XXXX it has been more than 30 days a considerably reasonable amount of time to contact me back in regards of these unauthorized inquiries, that I am unfamiliar with. In my last complaint I mentioned these inquiries that have resulted from Identity theft. 
The Inquiries are 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. 
I am asking the CFPB to step in and help me secure and make sure my rights are not being violated Thank you. XXXX
Product: Student loan

XXXX XXXX/Department Of education and Navient still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019 and reported as paid if full on my XXXX, XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX,  Navient and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. Navient and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from Navient and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

These accounts that are reporting are the result of a data breach. My information was compromised. Please XXXX the accounts listed on my FTC report. Thank you.
Product: Credit reporting or other personal consumer reports

A few months ago, I examined my credit report and discovered inaccuracies regarding the accounts : 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 XXXX XXXX XXXX XXXX XXXX. These is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditors, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.
Product: Debt collection

RADIUS GLOBAL SOLUTION MADE AN ATTEMPT TO COLLECT A DEBT ON XXXX FOR XXXX XXXX XXXX FOR AN XXXX  VISIT ON XXXX OF XX/XX/XXXX IN THE XXXX, AL. BALANCE OF OVER $ XXXX I HAVE NEVER LEFT CALIFORNIA. 

I HAVE HAD ISSUES WITH IDENTITY THEFT AND THIS CITY AND STATE ALWAYS COME UP. 

I HAVE NEVER RECEIVED A BILL FROM THIS COMPANY BEFORE OTHERWISE I WOULD HAVE REACHED THEM DIRECTLY AND THE INFORMATION THE COLLECTION COMPANY HAS IS PUBLIC RECORDS THEY ARE ABLE TO OBTAIN USING MY SOCIAL AND BIRTHDAY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has put a charge off amount for {$350.00} XXXX  on my credit report They said it was a charge of from capital one bank from XXXX. I never had a acct with capitol one ever since XXXX. That acct was opened fraudulently. I ask them to provide 4 things XXXX # The original contract from the original creditor with a wet signature 2 # The original creditor information 3 # A copy of all transaction from the original creditor 4 # A sign letter of permission from myself to the creditor to release and or sale my information to a 3rd party
Product: Money transfer, virtual currency, or money service

This is a matter that was requested for remittance from US Bank to XXXX XXXX, and it was organized as remitted to US Bank and was not received at XXXX XXXX, So it is a concern about loss of remittance. 

1 Remittance request date ; XX/XX/2020. 
2 From US Bank to XXXX XXXX. 
3 Amount ; {$1200.00} 4 I have many time calls to US Bank, but the calls is not possible. 
( US Bank Customer service XXXX & XXXX )
Product: Debt collection

Subject : Formal Complaint and Dispute Regarding Loan Servicer Misconduct Dear Consumer Financial Protection Bureau, I am writing to formally dispute actions taken by XXXX XXXX XXXX XXXX serviced by Upstart Network Inc., a loan servicing company responsible for managing my account. Specifically, I believe XXXX XXXX XXXX XXXX serviced by Upstart Network Inc. has acted improperly by notifying debt collectors about alleged non-payment of my debt without just cause or proper documentation. 

The details of the situation are as follows : Account Information : Loan Servicer : XXXX XXXX XXXX XXXX serviced by Upstart Network Inc. 
Account Number : # XXXX Loan Type : personal loan Issue Description : On [ XX/XX/year> ], I received communication indicating that XXXX XXXX XXXX XXXX serviced by Upstart Network , Inc. reported my account as delinquent to [ XXXX XXXX ], despite my payments being ( current/in dispute/subject to other circumstances, such as a forbearance or modification agreement ). I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws such as 15 usc 1692c ( c ).
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a zero balance. These reporting errors are unacceptable, and I demand they be corrected immediately.

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : 1. Drew v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications.

2. Ramirez v. Equifax, LLC A {$60.00} million settlement was awarded due to failure to properly handle disputed information and identity theft claims.

3. Jenkins v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm.

These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX ( Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} ) Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account. 


2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting

I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with XXXX equfax about an account XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XX/XX/XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never lived at the place they are reporting on my credit,
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Balance : {$9700.00} : Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} : Date Opened : XXXX XXXX, XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Debt collection

I received a notice in the mail from Bull City Financial Solutions , Inc stating I owe XXXX XXXX {$1000.00} and that {$450.00} has already been paid and {$620.00} is still owed and that I have until XX/XX/XXXX to call in to dispute the debt. I called on XX/XX/XXXX and spoke to a man claiming his name is XXXX and I filed my dispute stating I don't owe the money and what I do owe from my hospital visit on XX/XX/XXXX both hospital and physician bill is on a monthly payment plan of {$50.00} that is paid through the billing service used by the hospital and physicians. To this day I still haven't received the itemized bill with list of charges, insurance payments, direct payments, etc from Bull City Financial Solutions , Inc. pertaining to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} CREDIT XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : PROFESSIONAL XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Law improperly used my information. I used their services for approximately 11 months with little to no gain in my credit score.
Product: Credit reporting

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Sallie Mae provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted Sallie Mae on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XX/XX/XXXX) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX credit summary. Please have this delinquency expeditiously removed from my XXXX, XXXX, and XXXX credit report. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

U disputed this debt numerous times and I provided a police report because I am a victim of identity theft
Product: Bank account or service

I have XXXX accounts with Bank Of America and they have altered the account numbers so that they can continue to report it to the credit bureaus despite the accounts being written off and over ten years old
Product: Checking or savings account

I mailed my XXXX XXXX taxes ( {$2200.00} ) to the IRS using a Chase check in XX/XX/XXXX. The check cleared for amount I wrote, so I did not look any further into it. In XX/XX/XXXX, my tax return came back low, by the same amount as my XXXXXXXX XXXX payment ( {$2200.00} ). When I pulled up the image of my check, I saw that it was written to someone who is NOT the IRS, and I've never heard of. Certainly not how I had written it. While my account is with Chase, and the check was mailed to the IRS in Kentucky, the check was cashed at a XXXX XXXX XXXX XXXX. I immediately went to my branch and reported it -- within 4 hours of discovering the altered check. My branch manager has tried and tried to help me, talking to everyone and continuing to appeal, but Chase 's back office has ruled that the check was forged, and Chase policy is that I only have 60 days to report a *forged* check from the date of the check being cashed. However, their policy, I've been told, states that checks that are *altered* are eligible to be refunded if reported up to a year from the day they were cashed. I requested that policy in writing and haven't been able to get it. I reported it the theft and alteration of the check around day XXXX. I have had multiple conversations with Chase. Their back office has ruled it was a forgery even though I have been telling them from the beginning the only thing changed on the check is the payee. It is not a forgery, but a stolen check that was altered -- washed and rewritten to someone I didn't intend.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$17000.00}.
Product: Money transfer, virtual currency, or money service

My card was over charged numerous of time for different amounts and nothing was done about it