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

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reporting Debt owed, but " No Contract '' with them.
Product: Debt collection

I have asked thos company to show me what this debt wa for & not given imformation.
Product: Credit card or prepaid card

credit card was settled on XX/XX/2022 for the amount of {$710.00} card is still showing on my credit report for {$1100.00} I received the 1099-c of cancellation of debit I have contacted the company and the credit reporting but no one has helped
Product: Debt collection

This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt
Product: Debt collection

I attempted to hire the company to service my residential garbage disposal needs. However, I was disappointed with their services & cancelled immediately. 

My garbage was picked up one time on Thursday, XXXX XXXX. The next week, my garbage was skipped. The company had told me that they had two pickups per week. However, my garbage sat all week at the end of my driveway. After my garbage sat untouched, I phoned the company. I voiced my disappointment with their service & promptly cancelled. Then, I hired another local garbage service company.
Product: Debt collection

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 

Experian : 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/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Specialized Loan Servicing , LLC, ( SLS ) has not been working in good faith with us to process a mortgage modification for our small family farm. In fact, they have been untruthful in regard to missing documents, resulting in multiple reapplications and costly delays. After I filed a complaint with CFPB in XXXX of 2015, SLS finally offered us a Home Affordable Modification. It was processed and SLS said that they sent the finalized document to the courts for approval on XXXX,2015. They lied! Every month, they said it was in process with the courts and every month they lied. The final document from SLS still has not been received by our attorney or the court. We are just asking for a chance to be able to pay the mortgage on our farm at a reasonable interest rate. My family of XXXX generations is facing foreclosure if we can not come to some agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an original complaint against XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX regarding a wrong reporting 30 day late pay on the credit card account complaint number XXXX. ( I have also attached the email confirmation for this ) On XX/XX/XXXX I was emailed by CFPB stating that my complaint will be referred over to the Federal Reserve ( I have also attached that email ) On XX/XX/XXXX I received an email ( attached ) from the Federal Reserve stating that they received my complaint from the CFPB and that it can take up to 60 days to resolve. Fast forward to XX/XX/XXXX I received an email from XXXX XXXX from the Federal Reserve stating that the investigation of my complaint has been completed. ( attached email / Letter of result " I highlighted the key words here '' ) on the letter dated XX/XX/XXXX XXXX XXXX told the Federal Reserve that they are reporting my account closed across all 3 credit bureaus. ( which I highlighted in attachment ) This is false and it continues to report open. I advsd XXXX of this and she proceeded to ask me why the bank returned the payment which I responded why ( all attached ) and she never addressed the fact that the account was still reporting open. I gave it some time so fast forward to XX/XX/XXXX I emailed XXXX advising her that XXXX XXXX was still reporting my account OPEN on my credit report ( email attached ) so she can see the company was lying and not reporting correctly. She did n't respond to the email but she did call me about a week or so later advising me to give it some time to update ( at this point it was 43 days since the Federal Reserve later stated the account should be showing closed ) Im aware it can take 30-45 days to update a report sometimes even 60 days, so I waited. 60 days would be XX/XX/XXXX. Fast forward to XX/XX/XXXX I checked my credit report ( attached ) and as of todays date the account is STILL showing open. I emailed XXXX to update her. But I have also attached all correspondence. At this point I just want this account REMOVED for reporting incorrectly. Per the FCRA any inaccurate information reporting MUST be deleted. They continue to report when I no longer have business with them and they themselves said the account should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in   XXXX   that was identity theft. My last conversation with   XXXX   stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water an d  one car insur ance bill. I received proof that it was received. I waited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with Equifax, XXXX and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Data Breach Incident Dear Customer Service Department XXXX I am writing to formally dispute and express my concerns regarding the recent data breach that occurred within your organization. I have been notified that my personal information was potentially compromised, and I would like to address the situation as it directly impacts on my privacy, security, and well-being. 
Incident Details According to the notice I received, my personal data was compromised during the breach that occurred on [ date of breach ]. The data that was potentially accessed or exposed includes [ list specific information if available, such as name, address, Social Security number, financial data, etc. ]. This incident is of serious concern, and I require immediate clarification and resolution. 
Request for Investigation and Resolution I request the following actions : XXXX. Full disclosure of the breach details : Please provide a clear and detailed explanation of how the breach occurred, including the type of information exposed and the timeline of events. 
XXXX. XXXX taken to mitigate harm : I would like to know the specific steps you have taken to resolve the breach and prevent any future incidents. Please also provide information about any steps I can take to further protect myself. 
XXXX. Assistance with identity protection : If applicable, please provide free credit monitoring or identity theft protection services for a specified period, as this breach has exposed my sensitive personal information. 
XXXX. Confirmation of dispute resolution : Please inform me of your efforts to resolve this issue, including any compensation, corrective actions, or further steps you will take to rectify the situation. 
Request for Confirmation Please acknowledge receipt of this letter and provide a response to my inquiries no later than [ set a reasonable deadline, e.g., XXXX days from the date of this letter ]. I am prepared to pursue legal action or further escalate the issue if a satisfactory resolution is not achieved in a timely manner. 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution to this dispute. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, there was a XXXX collections dated XX/XX/2017 with the original creditor being XXXX XXXX and subsequently sold to Allied Business Services. During the phone conversation with them, they agreed that this collections would be a pay-to-delete. However, they have only relayed " Paid and Closed '' on my credit reports. I have relayed these messages to Allied Business Service and they are insisting that they do not delete from credit reports. I have also disputed this with the appropriate credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Quicken loan performed a hard inquire without my knowledge or consent. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have disputed with all XXXX credit reporting agencies, I have over 7 year old accts they will not remove. I have a collection that all but XXXX agency ( XXXX ) will not remove. 
None will provide me with full account numbers proving they belong to me.
Product: Credit reporting or other personal consumer reports

I want the CFPB to publish this description on Credit score
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

Contacted them and asked for documentation in XXXX and XXXX. Never received any documentation.
Product: Student loan

I recently switched banks. When I went to change my bank account that was setup for autopay, I put in the new account information and everything seemed fine. I then find out several months later that Navient had flagged my account for fraudulent activity. None of my payments had been processed and they were telling me that I was behind on payments. I then went to check the autopay settings and my bank account information had disappeared. When I tried to re-enter my account information it said that the account was flagged for fraudulent activity and that I needed to have my bank send their fraud department a letter stating that it was my account. I called my bank to inquire if Navient had ever tried to withdraw the money, my bank said that they had not nor had they tried to contact them in any way. I had my bank send them a letter certifying that it is my account over a month ago but they still have my account flagged for fraudulent activity and wo n't let me pay with electronic withdrawal. I have tried contacting their fraud department numerous times but nobody ever answers and the calls just redirect to their overseas call department which are no help at all.
Product: Mortgage

My home is set for foreclosure auction on XX/XX/XXXX by Specialized Loan Servicing. I have a good job and make sufficient income to afford a fair and reasonable mortgage payment. My issue is that SLS has denied me access to available options and has refused to consider allowing me to fix this problem. I have owned my home for 15 years and live here with my XXXX year old son and XXXX   nephews, ages XXXX and XXXX. We don't want to be put out on the street when this is a problem that could be solved. I had a major hardship a few years ago when I was unexpectedly laid off and defaulted on my loan. I have tried to work with SLS to fix this problem but have been denied access to federal, state and internal programs that I should be considered for.

I worked for years doing XXXX XXXX for the XXXX  and XXXX  and had stable income. A few years ago I had some financial issues and applied for a loan modification and was put into a step modification program. I paid on this for several years as the rate and payment continued to increase. Problems began inXX/XX/XXXX when the XXXX I worked for had their budget cut and the funding for my division was ended and I was laid off. As a result, I defaulted on the modification payment. I contacted SLS as soon as this happened to try and begin negotiating some type of new modification or forbearance or repayment plan. I also started my own XXXX  business but it took a few months to get it off the ground. As soon as I was in a better position I tried to make a mortgage payment to SLS but they would not accept it unless I paid all past due payments at once. I continued trying to negotiate for a modification but eventually their agents told me since I had a modification in the past with a low interest rate that I was not eligible for another. I do not believe that is accurate information so I hired an Attorney to help me who advised me to file Chapter XXXX bankruptcy. I did this for nearly two years until my grandmother ( who raised me ) fell XXXX ill in XXXX and I had to go there to help care for her until she passed away in XX/XX/XXXX. I have tried returning to negotiate some type of modification or agreement with SLS but have been given the runaround and transferred from department to department with no assigned contact that was willing to work with me or help me. I was told the only option was to sign over my home.

I have spent the last few years building my XXXX business and I have sufficient income to afford a fair and reasonable mortgage payment. I just need the SLS agents to work with me and look at my current and correct financial information and give me access to all programs including modification, forbearance, recapitalization of delinquent amounts or even repayment plans. I can afford a fair payment, this whole problem could be fixed and SLS could get their money back if only they would work with me.