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

I requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call Lakeview every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for Lakeview to  removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from Lakeview stating that the inquiry was finish and they would not removed the late payments.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to unauthorized access to my personal information. Consequently, several fraudulent credit inquiries have been made on my credit report without my knowledge or consent. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiries be immediately blocked and deleted from my credit file. 
Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. Factual XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. Factual XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Mortgage

NationStar Mortgage is added a {$110.00} 0n our mortgage bill for the Month of XXXX, according to the bill they sent us it is stated as fees and Charges and there is no explanation of the reason for the Charges. NationStar has not still explained to us why they have raised our Escrow payment to {$130.00} when our house value is at its lowest. 
We think the cfpb should look very closely at the practices of NationStar Mortgage randomly and illegally charging fees that are not warranted. 
My Family and I are barely earning above XXXX, for them to charge us such fees on top of an 8.5 % interest mortgage rate is just another prime example of their disregard of the struggles that families like us are still going through to keep us in our homes. 
Any fees illegally paid to NationStar Mortgage should be paid back in full.
Product: Credit card or prepaid card

Company still reporting against the statute of limutations for 10 years + to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, ALL credit bureaus, despite constant correspondence are still refusing and maintaining old information as current. There is misinformation that is 10 or more years old that is still on ALL of my reports. There are closed, XXXX and false accounts still on my reports, PLUS there are many unauthorized hard inquiries that ALL three credit bureaus refuse to remove! 
There are multiple accounts which were NEVER my own due to identity theft which ALL three credit bureaus REFUSE to remove! 

ALL mentioned must be REMOVED immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}
Product: Checking or savings account

Received an email from BOA on XX/XX/year> saying my contact has been removed from Bank of America. Went to a local bank trying to close my account since Im moving out soon anyway. They told me I can not receive my check for the remaining balance ( checking plus saving total around XXXX ) since my account is going to close on the next business day. Did not receive any kind of notice from the bank and I dont know when my money can come back. Im still counting on the check to pay my rent and credit card. There was no reason for closing my account either. As a XXXX  I have no jobs and no way to cover my daily expenses if they keep holding my money.
Product: Debt collection

XXXX sold a XXXX year old debt to Asset Recover Associates, Inc in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX XXXX under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost XXXXyears old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my XXXX has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.
Product: Debt collection

Correspondence was sent to  CapStone Credit Services  on  XXXX / XXXX /   2016 inquiring about a {$380.00} debt reported to  XXXX ,  XXXX  &  XXXX . I requ ested information regarding the facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for CapStone to c ontinue reporting this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier in XX/XX/XXXX I Paid off one loan and 4 credit cards and decresed my balances by {$6100.00} 1 ; XXXX XXXX XXXX originally $ XXXX balance of {$3300.00} in full ( always paid by auto debit never late ) 2 : 4 credit cards total paid : {$2700.00} 3 : XX/XX/XXXX XXXX XXXX XXXX XXXX Paid in Full {$10000.00} COMPLAINT 1 : XXXX : XX/XX/XXXX : XXXX points Pay off XXXX XXXX {$10000.00} XX/XX/XXXX + XXXX points XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX POINTS NO EXPLANATION SO I HAVE BEEN PENALIZED XXXX Points for paying off almost {$170000.00} in balances that were never late HOW CAN YOU ALLOW THIS TO HAPPEN? 
COMPLAINT 2 : The XXXX web site will not allow me to file a complaint " AT THIS TIME '' for weeks and the so-called file a dispute over the phone runs an endless loop for 15 minutes instructing me to go online-BECAUSE NO ONE IS AVAILABLE TO ANSWER MY CALL THIS IS A WILLFUL VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPRTING ACT. AS OF THIS JUNCTURE I HAVE NO CHOICE TO ATTEMPT A DISPUTE THROUGH YOUR SITE CAN YOU HELP ME? 


COMPLAINT THREE XXXX I have attempted to dispute on the site THERE IS NO WAY TO STATE WHY I AM DISPUTING : JUST A DROP DOWN WITH THEIR CHOICES OF WHAT I CAN DISPUTE AGAIN : THIS VIOLATES MY RIGHT TO DISPUTE AND I END UP WASTING HOURS FOR NOTHING I WISH TO DISPUTE WITH XXXX THE FOLLOWING XX/XX/XXXX Payoff XXXX XXXX XXXX XXXX {$10000.00} XXXX POINTS XX/XX/XXXX XXXX XXXX XXXX balance {$470.00} XXXX POINTS XXXX DROP MY CREDIT SCORE DUE TO CONSUMER XXXX POINTS LOAN-AND CREDIT CARDS BALANCES ( just after 1 loan is PAID IN FULL for {$6100.00} and cards have just been paid down {$2700.00} ) THIS IS INEXCUSABLE I WISH TO DISPUTE THESE ACTIONS THROUGH YOUR SITE AS I CAN NOT FILE AN ACCURRATE DISPUTE ON XXXX  SITE AND THERE IS NO OTHER WAY TO CONTACT XXXX FILE A NEW DISPUTE TRANSINION PAID OFF XXXX  IN FULL XXXX POINTS the same applies here as all of the above
Product: Credit card

I had signed and agreed to 0 % interest for 5 years for a medical procedure that was not covered by insurance. I set a direct payment from my checking account to CareCredit and therefore was not late with any payments. Two years later, I received a statement that was over and above the balance. I called and spoke to XXXX and was told that interest had now been added. I explained that my agreement was for 5 years, interest free. I then told him that I would pay the remainder of the balance of {$11000.00} in full plus XXXX and XXXX payments but that I would not pay any interest on the balance. XXXX tried to to waive the interest but the system would not let him. He told me to contact customer complaint in 3-4 days. I did and received a new reference. The issue has not been resolved and collection companies continue to harass me via emails, USPS and phone calls to pay the interest with a new amount of {$3300.00}.
Product: Payday loan, title loan, or personal loan

Company keeps calling harassing my references after telling them to stop.
Product: Credit reporting or other personal consumer reports

I am writing this dispute for incorrect personal information on my credit report. I looked at my credit report, these are names inaccurate XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and addresses XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX listed do not belong to me. Please investigate these accuracies and remove them from my record. Enclosed are copies of my identification and proof of residence for your reference. This is a formal dispute and request to investigation under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. The FCRA mandates credit report agencies to maintain accurate information in consumer reports. The following provisions support my dispute : - 15 USC 1581 e ( b ) - Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Product: Mortgage

My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.
Product: Debt collection

I have no product with XXXX and they keep calling me. I have told them to stop and remove my number from their records.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX  XXXX XXXX XXXX XXXX balance of {$560.00} XXXX XXXX XXXX XXXX with a balance of {$720.00} XXXX XXXX XXXX with a balance of {$750.00} XXXX XXXX XXXX  XXXX with a balance of {$550.00} XXXX XXXX XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXX with a balance of {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$120.00} XXXXXXXX XXXX XXXX with a balance of {$450.00} XXXX XXXX XXXX XXXX with a balance of {$710.00} XXXX XXXX XXXX XXXX with a balance of {$340.00} XXXX XXXX XXXX  XXXX with a balance of {$630.00} XXXXXXXX XXXX XXXXXXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXX XXXX XXXX  XXXX with a balance of {$130.00} Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Someone stole my identity and used my credit cards from capital one for goods without my consent or knowledge. I have been diagnosed with XXXX XXXX and was in able to protect my identity and credit cards during my XXXX treatments Capital One is making me pay for 3 credit cards that someone or company has stolen access to my personal credit cards information and used the credit cards for their personal needs. I have not used the credit card, but I have been trying to pay each month for credit cards that I have not been using
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries.

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 or other personal consumer reports

In XX/XX/XXXX i opened a credit card with XXXX XXXX XXXX. the inquiry should fall off in XX/XX/XXXX however Equifax and XXXX told me that it will fall off in XX/XX/XXXX. I feel the inquiry should fall of in XX/XX/2023 since that would mean its 24 months old
Product: Credit reporting or other personal consumer reports

Account # XXXX This account was reported as a collection/charge-off is negatively affecting my credit score. The reporting of this account is incorrect as it still shows a balance after it was charged off. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting ( XX/XX/year> ) while the report shows as a charge-off? I am sure you aware that this is a violation I demand the immediate deletion of this account to ensure your agency is reporting only complete and accurate information on my account.
Product: Student loan

Nelnet has been harassing me every day through email telling me that YOU ARE IN REPAYMENT. I am still in school! I am part time, they keep saying they need to verify the info with the school, but they haven't yet continue to charge interest and fees on subsidized loan. So I submitted application to defer payments since I make so little. I only get XXXX hours and sent them my paystubs and they keep giving me the run around. So I submitted a complaint with XXXX and I filled out the form, provided evidence and they say " We're sorry we can't submit your complaint ''. Well I guess we are at an impasse. I am living in poverty, still in school part time, and can not pay XXXX extra a month on top of maintaining my grades for a scholarship that keeps my loans lower than most. Also they send me emails every day but when I visit the website, it says repayment is due in XXXX. So WHY ARE THEY HARASSING ME EVERYDAY NOW? They started harassing me XX/XX/year> after the first complaint was ruled in my favor in XX/XX/year> and XXXX dropped the interest and closed the case. Every XXXX  months it seems they harass me. It's making me want to quit life, they need to leave me alone until I graduate and get a decent job.
Product: Credit reporting or other personal consumer reports

Each time I speak with a representative. They start and dispute. Which is a stall tactic to me. Because if I already have my documents on file. Why do you keep starting the dispute process over and over and ignoring what have already been sent. Ive asked multiple time for them to block and or delete the information on my credit file that is not mines.
Product: Debt collection

On or about XX/XX/2019 I received a letter from Phoenix Recovery Group, XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX regarding a debt. Within 30 days I faxed a dispute regarding the error, of which Phoenix acknowledges receipt. The frivolous debt stems from a contractor/home investor contract between myself and XXXX XXXX. It is important to know that MsXXXX XXXX terminated my services and hired XXXX XXXX, an unlicensed contractor in XXXX XXXX, TX, which clearly as per XXXX XXXX building code officials will indemnify me and my company from any liability and warranties regarding the said project. Phoenix Recovery Group subsequently reported false information of a debt on my credit profile to the credit bureaus. Additionally, Phoenix Recovery failed to properly execute effective service of any petition for civil suit. Any reporting to of a judgement without properly serving a Defendant ( s ) in Texas is unlawful and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1.XXXX XXXX XXXX XXXX XXXX  XXXX. has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover 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, credit repair services, or other personal consumer reports

I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. Iberia Bank, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX