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

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any itrms or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
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 XXXXXXXX XXXX XXXX XXXX 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 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 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: Debt collection

Dear Sir, Dear Madam, I was satisfied with the case involving XXXX XXXX. And now a strange case shows up that seems to be a fake debt since I don't have any loan or bought anything on credit and didn't pay it off. 

HUNTER WARFIELD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX But I don't know about HUNTER WARFIELD or about that debt since I was never convicted by any Court. 

And I'm thinking about some companies like XXXX XXXX XXXXXXXX XXXX XXXX which tried to scam me by inventing fake debts in different amount of money than {$1300.00}, but still they're stuck until a Court decision before a debt collector can be involved if their claims are proven by Court decisions, what is less likely to be proven. 

So, HUNTER WARFIELD defamed my reputation online by falsely reporting for debts I don't owe and I ask for damages reparation before all competent Authorities.
Product: Student loan

I 'd like to join  Navient Lawsuit .  XXXX   XXXX  and Navient are crooks ... I believe the amount of loan is incorrect. I have several correspondences that they ignored. They said I could n't get a deference, then said they gave it and threatened to garnish any wages. The school ignored my  XXXX   XXXX  etc. I was onky there a semester and a half. I also did n't understand the loan as much because they,  XXXX    XXXX    XXXX  gave me a  XXXX .
Product: Credit reporting

Hi, My Name is XXXX XXXX. I am having problems with XXXX XXXX of XXXX, Ga filing incorrect information on my credit. I took out a loan with XXXX XXXX years ago and paid half the loan before being forced to file bankruptcy in 2006. XXXX XXXX reported incorrect amounts to my bankruptcy lawyers saying that I still owed the total amount borrowed instead of half. My bankruptcy lawyer cleared the mistake up. Since filing bankruptcy and also being discharged XXXX XXXX has continued to file against my credit as if I had never filed bankruptcy and as if I totally defaulted on all my payments. I personally stopped by XXXX XXXX in XXXX and spoke with the owner. He was horribly rude to me. I told him that he was still filing defaults on my credit despite the fact I filed bankruptcy. He said, " Oh Well! '' I said sir, " I will take this to court if you dont stop! '' He said, " See you there! '' It has now been over ten years and this man is still filing negative reports on my credit. He has totally ruined my credit score and is causing me to have to pay a higher interest on my car loan. I have had to personally hire XXXX XXXX XXXX services to assist me in disputing these false defaults of payment. XXXX is currently working towards this and they had a credit advisor call me today. The advisor said that not only should XXXX XXXX not be making these reports due to bankruptcy but it is unlawful for them to even be reporting on this any longer due to the length of time it has been. XXXX directed me to your sight and advised that I file a complaint on this matter and if the problem persists that I seek legal help. Thanks for your time and looking into this matter for me. 

Sincerely, XXXX 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have an account with old navy & I recently moved I logged into my online account & updated my address a week ago I logged into my account today to check to see if my address was updated & when clicking on manage my account then clicking under address it tells me to call customer service this is not the first time this has happen they also put holds on my card or block my purchase 's where I had to send in information to verify myself due to me updating my address & number this is very inconvenient for me because it happen 's frequently I also been with them for a while & their denying me a limit increase my account is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy 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
Product: Debt collection

XXXX and Convergent Outsourcing are negatively reporting on my credit report with XXXX and XXXX that I am late and owe {$320.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.
Product: Mortgage

This is my second complaint to Wells Fargo denying my modification. On XX/XX/XXXX Wells Fargo gave a response that said : thank you for the opportunity to address the concerns about request for a loan modification and the authorization. We've carefully researched this matter and are providing a response. Here are important account details we'd like you to know. At this time, there is a bankruptcy stay on the account with a five year plan. Once the stay is lifted, then the account can be reviewed to rescind the foreclosure sale. Until this is completed, we are unable to move forward with any request for payment assistance. The account is due for the XX/XX/XXXX, through XX/XX/XXXX, payments. A foreclosure sale was held on XX/XX/XXXX. Foreclosure has been suspended due to the active bankruptcy. I'm glad we spoke with the bankruptcy attorney XXXX XXXX about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 
My response to this is : how could a foreclosure sale have been conducted if the property in question was in bankruptcy, ( information from HUD ). But Wells Fargo continue 's to tell the agency that were working for the homeowner ( XXXX XXXX XXXX ), that the property has been sold, ( in a phone call to Wells Fargo as well as an email sent XX/XX/XXXX ). See attached ). 
According to HUD I can apply for a modification even while in bankruptcy. 
In a conversation with my attorney, XXXX XXXX, wells Fargo said that they would send modification documents to his office, ( this has not happened as of yet ). See attached. 
I feel that I am being treated unjustly and would like to know what this company plans to do about it. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contact Information FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Statement Numerous unauthorized inquiries and alot attempts to aplly for various services inder my name. I observed a significant increase in suspicious activities associated with my personal information including financial products Additional my Old XXXX  XXXXXXXX XXXX i cant even get back in. had been compromised and I currently locked out before thta XXXX XXXX said i had filed i told them no thats not me. Unable to crucial information. im take. taken necessary authorities amd implement security measures. Effect data breach. And so many more others.. appropriate actions to mitigate future damage Tax Fraud Date that I discovered it XX/XX/XXXX Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.identitytheft.gov Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your https : //www.identitytheft.gov/ #/
Product: Debt collection

Eastern Revenue is continuously calling me to collect on a debt that is already being paid to the collector through XXXX XXXX XXXX, XXXX XXXX, XXXX ext. XXXX. The debt has been paid six consecutive months with a payment plan in place on a monthly basis. I have proof of said payments via canceled checks front and back and XXXX XXXX College has been receiving their money. I have contacted XXXX and spoke to XXXX XXXX XXXX, bursars office, whom has confirmed receipt of the payments and that XXXX has not had any communication with or does not know whom Eastern Revenue is. Eastern Revenue has not sent me any written documentation with regard to the debt and I continue to receive calls from XXXX XXXX XXXX. Eastern Revenue has now put this information on my credit report and has tainted what I have been working so hard to maintain in good standing. I have contacted Eastern Revenue and all I get is that I need to make payments over the phone in order to take care of a debt which is already being taken care of.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This accounts are hurting my ability to obtain credit. Its my understanding that the credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate. 

XXXX XXXX ( Account number XXXX ) XXXX  XXXX ( Account number XXXX ) XXXX  XXXX ( Account number XXXX ) XXXX  XXXX ( Account number XXXX ) XXXX XXXX XXXX XXXX  ( Account number XXXX ) XXXX XXXX XXXX ( Account number XXXX ) XXXX XXXX XXXX  ( Account number - ) XXXX XXXX ( Account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notices accounts on my consumer report that should not be furnished. I have done some research and have provided all the proper documents to have these accounts removed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX XXXX XXXX to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. XXXX did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.
Product: Mortgage

An escrow account was created even though I have responded to and included all the info that was needed when the company sent it's original letter which was in XX/XX/XXXX. 

My monthly mortgage payment increased from {$1000.00}. to {$1200.00}. per month without my knowledge for the XX/XX/XXXX payment. 

After one hour on the phone I was assured the problem was solved and a refund check would be issued within ten business days. This was in the middle of XX/XX/XXXX. I am still waiting for the check. 

The mortgage amount taken in XX/XX/XXXX was still {$1200.00}. Calling the company for the third time, on XX/XX/XXXX, I was on the phone for another hour and I hung up in discuss after being left on hold forever. Several hours later, I got in touch with a supervisor who stated she would return my call by the end of the day on XX/XX/XXXX. I sent an email which was not answered by supervisor on Fri. XX/XX/XXXX On XX/XX/XXXX, another email was sent to the supervisor basically saying I was no longer paying the mortgage until I get a solution from the supervisor. She sent an email back to me apologizing profusely and saying she call with a solution as soon as the escrow dept. got back to her. I t is now, XXXX XXXX  on XX/XX/XXXX. I have heard nothing even though the supervisor said she had all the paperwork she needed from me. Supervisor name-XXXX   XXXX Phone # XXXX or XXXX. email address- XXXX.
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 XXXX, Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 FTC Identity Theft Criminal Complaint # XXXX, XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I had a home loan that was modified and later foreclosed on. Green Tree later bought that company and continues to report the debt to the credit bureaus despite the fact it has been more than 7 years since the account first went delinquent. In addition the amount they are claiming I owe is significantly higher than what I owed at the time. $ XXXX versus $ XXXX. Each time I speak with Green Tree they are unprofessional and are intimidating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I saw a lot of preapprovals on Credit Karma. At first I paid no attenion but I continued to get notices. I would recieve offers Daily when I would log in and check my credit score. I started feeling I was in the best place to apply. I told my kids and family that we had relieved these preapprovals and we would get out of dept and the personal loans would be helping my business move forward. Sometime in XXXX I applied for two personal loans and 2 credit cards. I recieved tons of letters in the mail. I was told by Credit Karma that I was preappoved for these loans. I was marketed for months on these loans. I was decieved by the Credit Karma. I had no job and the bills were billing up. I developped some severe Anxiety from this. I have developed a really high stress and increase in XXXX XXXXI still have companies offering me preapprovals but after I was decieved by Credit Karma I get XXXX over these incoming emails. I thought they were good for people and helping them out. Now I feel every bank and others are trying to get a finacial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.