23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and noticed several accounts and addresses that are reporting in my account inaccurate. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$180.00} Inquiries Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XXXX XXXX Name : XXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Name : XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  Date XXXX XX/XX/XXXX Inaccurate addresses reporting on my credit report are XXXX XXXX XXXX XXXXXXXX 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: Student loan

I got {$2500.00} loan from XXXX XXXX XXXX in XXXX XXXX Ca, about 1995. But before the semester was over, I got injured at work so I could not attend any of my clauses any more that I notified them right then. few years later a man name XXXX XXXX from collection agency was calling about my student loan which was several times a day harassing me, saying " he will put me in jail if I don't pay up ''. I did not have any income but I agreed to settle with less and pay up in two payments. I sent them a cashier check for {$1100.00} and I supposed to pay another {$1000.00} in a 2 moth to settle the full amount. But right after a week I was getting bills and calls from them for the amount of over {$4000.00} that I am still paying it that every so often it goes back to the {$4000.00} again. is there any way we can wipe off?
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 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  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: Debt collection

In XX/XX/XXXX my employer notified me that an earnings and wage order ( EWO ) had been received and that my pay was going to be garnished. 

I was shocked, horrified, and dismayed because I was unaware of owing money. 
Once I received the information form my company 's payroll department ; I began trying to go back to the beginning to reconstruct or make sense of how the EWO was issued. 

It turns out that Capitol One sold my old debt from approximately XX/XX/XXXX to a third-party debt collector, which proceeded to retain legal counsel who a filed a claim, went to court, and won a judgement against me ; I had no knowledge of this court hearing because I was never notified or served in-person or via US mail. 
I called the phone number listed on the documents I obtained from my employer 's payroll department to make inquiries but was not helped or given any useful information. Yet, I was persistent and finally was successful obtaining documentation of the original amount of the debt owed to Capitol One, all types of fees ( which the person who took my call could not understand in order to explain ), money that had previously been levied from my bank account, and the alleged proof of service, which was fraudulent. They proof of service was given to a white female ; I live alone, am an emptynester, who does not have a roommate!
Product: Debt collection

XXXX XXXX  {$1500.00} XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my Privacy Rights Under The Privacy Act of 1974 I took action by asking XXXX XXXX  to send me information on this collection Debt in a form of a letter, still no action was taken on behalf of the company.
Product: Mortgage

I was laid off from my job during the XXXX pandemic in XX/XX/XXXX. I had requested assistance from my mortgage company, Select Portfolio Servicing, as I was not able to make ends meet on Unemployment. I was approved for the Unemployment Program which granted me a temporary forbearance plan which allowed me to make a reduced payment in the amount of {$640.00} beginning on XX/XX/XXXX. I was not provided the details of this plan that I was only paying principal and interest and nothing was going to my escrow and I would have to pay all the escrow back. This caused a large negative balance in my escrow account. I received an escrow analysis from Select Portfolio showing my escrow was short and I would need to pay an additional XXXX each payment over the next 24 months to compensate the shortage and at the end of the year XXXX, my escrow shortage would be satisfied. 

In XXXX my payment was increased significantly, I divided my payment up into bi-weekly payments rather than a monthly payment which I had spoken to Select Portfolio about many times. I tried to set it up with them to automatically deduct my payments from my checking that way which I was told they could only do a monthly automatic payment from my checking account. I was then directed to set it up with my bank through Bill Pay which I did. My mortgage payment was {$1200.00} which {$600.00} went to Principal and Interest, {$470.00} went to the regular escrow account, {$200.00} went towards the escrow shortage. Please see attached documents I paid {$650.00} bi weekly which was a total of {$1300.00} per month which was more than what my payment was. When they would receive the first check in the amount of {$650.00}, they applied the {$600.00} appropriately to the principal & interest and the additional {$49.00} to escrow. However, when I sent the second half of the payment ( {$650.00} ), they did not apply the funds correctly and applied it to the principal and interest again and nothing to my escrow. This went on for several months before I was aware of the problem. When I called Select Portfolio at the end of XXXX to check to see if my escrow shortage was now satisfied, they told me I had a shortage of {$10000.00}. I knew there was a problem because I was paying and extra {$200.00} per month the entire year of XXXX to satisfy the escrow shortage so how can I now have even a bigger escrow shortage. 

I have asked Select Portfolio to fix this as this is their error for not managing my account correctly and I have not been able to get them to fix it. They just sent me a new escrow analysis which now my mortgage payment has climbed to {$1600.00}. This is a payment I can not manage monthly and need them to go back and disperse the funds as they were supposed to in the first place. In many months that I made payments they show the transaction history of no funds being applied or show it as an unapplied amount. 

Could you please help me address this with Select Portfolio as I have had nothing but trouble with this mortgage company since my loan was sold to them. I was previously with XXXX XXXX and I never had these issues.
Product: Credit reporting or other personal consumer reports

Re : Second Complaint Regarding Unverified and Inaccurate Collection Accounts on Credit Reports I am writing to file a follow-up complaint concerning multiple collection accounts that have been inaccurately and inconsistently reported on my credit reports by XXXX, XXXX, and Experian. This letter serves as a continuation of my efforts to resolve these discrepancies, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : XXXXXXXX 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/DEPT OF ED XXXXXXXX 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 XXXXXXXX XXXXDEPT OF XXXX XXXX/DEPT OF EDXXXX  XXXXDEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my previous attempts to rectify these inaccuracies , including direct disputes with the aforementioned credit bureaus and the collection agencies, the errors persist. Each credit bureau reports different information about these same accounts, which is a clear indication of inaccurate reporting and a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.C. 1681i, I have the right to challenge inaccurate information in my credit report, and the credit reporting agencies are legally obligated to conduct a reasonable investigation into these disputes. However, the responses to my previous disputes have been unsatisfactory, and the inaccuracies remain unaddressed. 

According to 15 USC 1681 : I HAVE THE RIGHT TO PRVACY AND I DID NOT GIVE XXXX, XXXX OR EXPERIAN WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Debt collection

Found a letter recently from Alexander and Rose Associates claiming that I owe and INSANE amount of money and along with the letter they sent a copy of a fraudulent lease they crossed out the end date of lease to XX/XX/XXXX. My lease states XX/XX/XXXX which I no longer lived there after XX/XX/XXXX. They crossed out the date and WROTE IN XX/XX/XXXX. I also believe they signed the property managers name.
Product: Debt collection

I received a debt collector letter for XXXX XXXX. Ive never applied for a credit card from them. I did had identity theft happen to me years ago that ruined my credit and all. Im in need of help
Product: Debt collection

Hello, my issue involves a debt I am actively disputing with The Bureaus Collection agency. While i have asked for verification numerous times in my disputes, and while they have yet to provide me with anything, I noticed today that they recently made a {$1.00} dollar payment into the account. I never made a payment to them because I do not even know what the debt is for much less ever received a response from them. I have noticed this happen before and did an online research. Apparently this is done to extend the statute of limitations of an account and also to keep the account active beyond the legal time frame. 

The credit forums explain that whenever a payment is made a legal agreement to repay is created. When no other payments are received, they can consider this a breech of payment contract and report a new time limit. This is WRONG. Nothing has been paid by me or anyone else, and I am disputing not only the account which is not mine but also this illegal practice used to re-age accounts. 

i am asking this federal agency to take a look at my consumer credit files, to reach out to this company and review all my dispute requests which have never once been answered and to put this company on the record for violating the law. This is illegal and wrong, to keep people locked into debts which they dispute. This is shameful.
Product: Credit reporting or other personal consumer reports

In XXXX I was a victim of identity theft. Ever since that Ive been checking my credit report with Experian but it doesnt do me any good because the same damaging information which impacted my credit is still in my credit report it is still showing the same information which I disputed for many years. XXXX not sure if theyre investigating Correctly or illegally. I am not sure if this is an internal matter or theyre doing your things illegally. On XX/XX/XXXX I finally got a nice gentleman that was trying to help me to update my phone number so I can use the app. Hopefully they get back to me on this matter but it seems that I have to go to rock homes of hysterical and frustrating drama just to check on my credit report on my app. I have to change my phone number every year because I was a victim of identity fraud and it seems that Im not sure about this company. Its kind of shady they give you four different numbers to call for four different departments and it seems that the people dont speak proper XXXX. I
Product: Debt collection

On XX/XX/XXXX I received correspondence dated XX/XX/XXXX from GC Services Limited Partnership regarding an alleged debt I owed to the XXXX XXXX County Superior Court,  which had been paid prior to GC 's involvement. I immediately called the number on the letter, XXXX, to resolve the matter. After waiting on hold for over one ( 1 ) hour for a representative to take the call I finally gave up without the call being answered. I thereafter responded by way of the attached letter dated XX/XX/XXXX, sent via USPS Priority Mail, which was received by GC Services on XX/XX/XXXX. 

Having no response by XX/XX/XXXX I sent an email to GC Services - a " screen shot '' of the email is attached, along with the full text of my correspondence. 

As of XX/XX/XXXX I had received no reply from GC Services. 

On XX/XX/XXXX I received a second letter dated XX/XX/XXXX from GC Services stating that I had not responded to the " previous notice, '' a copy of which is attached. 

On XX/XX/XXXX I again attempted to call GC Services at XXXX. After one ( 1 ) hour and eight ( 8 ) minutes, listening to the recording that a representative would be right with me, I finally gave up. See attached copy of photo of call log from my telephone.
Product: Debt collection

I disputed an account on my credit report. The original account was XXXX XXXX. Now XXXX XXXX XXXX owns it. 

I had car insurance through XXXX XXXX. When my car insurance contract was about to expire, I switched insurance companies and notified XXXX XXXX. They went ahead and charged me for the next XXXX months. I do not owe that money because my contract had ended. I did not owe XXXX XXXX anything.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXXXXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. Thanks!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Product: Prepaid card

I had an active XXXX XXXX account for many years until mid last year. My account was suddenly closed and all my money in the account returned. I tried to call and see what I could of done to have this happen to me and then and since then they just say I violated their terms and conditions but do no explicitly say how and why and what for. I have since tried to get another account but they are illegally storing my info in their system because I asked back in XXXX for it to be deleted but unknowingly because when k try to re sign up it says my email address and phone number are blocked.
Product: Mortgage

Please identify the true secured Lender on the loan. 
Provide chain of title
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX OF XXXX CARD was properly investigated but how is that possible if the open date is inaccurate, payment history is in accurate, the date last active is inaccurate, and date last reported is inaccurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Credit card or prepaid card

This a complaint against Capital One Quicksilver Credit Card, case number XXXX. I am disputing a purchase made on my CapitalOne quicksilver credit card for a service that was not provided. I had submitted the dispute to my credit card company after a failed attempt to resolve it with the merchant. It now appears my credit card company is taking sides with the merchant ( I guess for the gain made on the purchase ) rather than provide financial protection for its customer over a purchased service that was not provided. This has been the behavior of Capital One Bank, now is the Credit card arm to side with merchants that tend to collect money for services not provided. I am disputing a partial amount of {$480.00} of the total {$3500.00} that i paid. I provided the document Capital One asked me to provide and they turned around saying they can not assist with the claim based on what the merchant told them. It is a shame, that a credit card company that is supposed to protect its customer the consumer will turn their back on the customer to side with the merchant over a dispute that is clearly presented. This total irresponsibility and unaccountability of the credit card company.
Product: Credit reporting

I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score.
Product: Credit reporting or other personal consumer reports

I have disputed several accounts with XXXX, most of the accounts stem from the Comenity Creditor. A lot of these accounts were charged off and paid via XXXX XXXX XXXX. I have disputed them several times with XXXX and their updates yield no results after their investigation. They say that they have updated the accounts, but there is actually no exchange, except maybe the wording that says I disputed it. These accounts say there are closed and written off, when they are in fact paid in full or settled. Also, some have payment amounts that appear to be inaccurate.
Product: Credit reporting or other personal consumer reports

I notice this account appeared on my credit report. The original credit was with XXXX  XXXX charge off and Portfolio states I owe They need to provide me with charge off information 1099c filed, signed contract, billing statement, validation of debt, how much they purchased the account for. 
Request Deletion! 
Have they shared my information XXXX XXXX XXXX XXXX XXXX XXXX XXXX