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

To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. 
Sincerely, XXXX XXXX Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you regarding a huge discrepancy I have found in my EXPERIAN credit report. 

XXXX BANK ACCOUNT NUMBER XXXX THIS ACCOUNT IS REPORTED ON EXPERIAN XXXX XXXX XXXX AND XXXX WITH TOTALLY DIFFERENT DATES OF ACTIVITY? DELETE ACCOUNT DUE TO INACCURATE REPORTING. 
ALSO, ACCORDING TO THE FCRA LAWS, ALL CHARGE OFFS MUST REPORT WITH XXXX BALANCE YET YOUR COMPANY REPORTS THIS ACCOUNT WITH A BALANCE. THEREFORE, YOURE NOT REPORT 100 % ACCURATELY. PLEASE DELETE THIS ACCOUNT FROM MY REPORT. 
THIS ACCOUNT IS A CHARGE OFF YET, I DID NOT RECEIVE A 1099-C FORM. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY REPORT DUE TO THE INACCURACIES.
Product: Checking or savings account

I was charged overdraft fees and a.hard time closing the account.
Product: Mortgage

To whom it may concern : I received a letter from USBank ( please see attachment ) that states that USBANK sold or transferred my FHA home mortgage to themselves, US Bank. It looks like potential fragelent activity. Potentially US Bank trying to change original terms of FHA loan, or something els of that meter. Also it could be that US Bank trying to increase amount of fund they are actually have on their books for some strange reason. It feels like it is highly likely illegal but I don't know. Kindly please investigate this situation. Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I paid off my PayPal credit card via a balance transfer from my XXXX card in the amount of {$870.00}. XXXX sent is on XX/XX/XXXX. It went to my old account # which I did not realize had changed when I got a new PayPal card. I have called numerous times, sent documents, faxed documents and 10 months later it still has not posted to my account as a credit and deducted from my balance. on XX/XX/XXXX, after a call it finally posted, only to be reversed on XX/XX/XXXX and has yet to be be reposted as a credit. 
I am beyond frustated and stessed out over this. and I want it resolved now! 
I appreciated and help and resolve you can help me with. 
Thank you
Product: Mortgage

In XX/XX/XXXX my mortgage was purchased by Fifth Third Bank from XXXX XXXX. Taxes & Insurance were escrowed. In XX/XX/XXXX Fifth Third Bank failed to pay the Homeowner 's Insurance premium. Efforts by myself & XXXX  XXXX XXXX failed to extract payment from Fifth Third Bank. XX/XX/XXXX my insurance was cancelled for non-payment. Payment was made late ; XXXX   XXXX reinstated the policy without lapse. Since cancellation, Fifth Third Bank has harassed and threatened me over providing proof of insurance for the lapsed period. In XX/XX/XXXX Fifth Third Bank notified me they had purchased a " Forced Placed '' insurance policy on their behalf from XXXX XXXX XXXX XXXX in the amount of {$2200.00}. Funds were taken from escrow for this purchase, creating an escrow shortage, and creating an increase in monthly mortgage payment. Payment already made was not applied, my account was placed in past due status, additional funds have been demanded, and I am threatened with foreclosure. Despite all efforts to get a response from Fifth Third Bank, they have ignored my phone calls, emails, and complaints filed with state agencies and government representatives. They are insulated from consequences of their bad acts, from their fiduciary responsibility failures, and from the stress, anxiety, and fear they have visited upon this XXXX year old retired veteran with a son in XXXX whose home-of-record is this house. Fifth Third Bank needs a trip to the woodshed.
Product: Debt collection

Paypal calls multiple times every day and doesn't leave a message. On XX/XX/2021 they called me at XXXX XXXX which is inconvenient to me, prior to me being at a funeral.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX Request I am a victim of trafficking, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8100.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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

I checked my annual credit report and I noticed something that seemed in error and disputed it with the XXXX agencies. Before I even heard a resolution apparently this collection agency filed a small claims for nearly double the amount owed and I had never received the court documents/summons. I am now got a letter from them in the format of court document demanding I give them all my finical information and only having one sentence saying this was " voluntary '' while making it look like a court order I do so for a garnishment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Product: Mortgage

Hi, I have an XX/XX/XXXX home loan XXXX XXXX  with XXXX XXXX  and XXXX  XXXX  with PHH mortgage. 
I have had this loan with PHH since XXXX for XXXX on a fix rate. I have been paying XXXX a month for the last 17 years. I called the other day to see balance and they tell me that I owe XXXX dollars. So, I ask because I had a loan modification in XXXX and the rate was to go down so I don't understand how it is I owe that amount when I have paid over XXXX dollars. I need help understanding and making sure that this is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting

Recently there have been changes to my Equifax Credit Report. I requested Equifax to mail me a new and up to date credit report. Equifax has failed to comply with my request. I am requesting Equifax to send me an up to date and current credit report.
Product: Credit reporting

I contacted Equifax to dispute some items. They refused to send me updates on the status of the dispute and did n't provide me with updated report. They continue to keep items on my report that are inaccurate and therefore result in negative results when applying for credit and a lower score. Along with XXXX, XXXX County and XXXX XXXX XXXX they do not update or provide accurate information and Equifax refuses to remove items or properly notify of any result or action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX from XXXX and financed it through Affirm. I paid it off on XX/XX/XXXX of XXXX to this day XX/XX/XXXX it is still reported on the credit bureau that I owe {$300.00}. I have reached out to Affirm and they have refused. I filed a dispute with the credit bureau and Affirm restated I owe them the {$300.00}. When I emailed Affirm they agreed I did not owe the money but stated they would. It correct the reporting to the credit bureau as I paid it off early.
Product: Debt collection

On XX/XX/XXXX Portfolio Recovery called me regarding my account being in collections. I told them the account was paid and closed. Told me they will call XXXX and look into this matter. On XX/XX/XXXX I received a letter from Portfolio Recovery telling me that my dispute was denied and that I owe them the money. ( see attachment XXXX XXXX ) On XX/XX/XXXX I mailed a letter to Portfolio explaining in detail that I paid the account with attachments. ( Please see attachment Letter to Portfolio XXXX ) On XX/XX/XXXX I received a letter from Portfolio Recovery telling me that my dispute was denied and that I owe them the money. The same letter dated XXXX the only thing that changed with the date to XXXX. ( Please see attachment XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. XXXX ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XX/XX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit.
I opened a Credit dispute on this issue with XXXX XX/XX/XXXX. I am awaiting the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. Equifax and XXXX  will not remove the account until XXXX does their part. I have disputed this account several times with XXXX  and Equifax, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.
Product: Debt collection

XX/XX/XXXX, I was engaged in a legal battle and alerted my creditors of my situation. I had credit protection services on several of these accounts however, once I notified the company of my status they charged off the accounts. In summer of XXXX I offered to pay the charge offs in full for exchange to have the reporting changed and the accounts were dated and listed as new debts which reinjured my credit score. Both original creditors and debt collection companies refused any negotiations to remedy the issue and have sent me updated delinquency policies that I was not made aware of these changes. How can I fix an issue these creditors do not want to work with the consumer to fix? 

" We are required to delete our credit reporting trade line 7 years after the original delinquency date regardless of the paid status ''
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my XXXX, equifax, and XXXX credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!
Product: Credit reporting or other personal consumer reports

Per this act no students transaction history or records of any kind should not be reported without the consent of the student. 
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Parents or eligible students have the right to inspect and review the student 's education records maintained by the school. Schools are not required to provide copies of records unless, for reasons such as great distance, it is impossible for parents or eligible students to review the records. Schools may charge a fee for copies.

Parents or eligible students have the right to request that a school correct records which they believe to be inaccurate or misleading. If the school decides not to amend the record, the parent or eligible student then has the right to a formal hearing. After the hearing, if the school still decides not to amend the record, the parent or eligible student has the right to place a statement with the record setting forth his or her view about the contested information.

Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a XXXX XXXX, student handbook, or newspaper article ) is left to the discretion of each school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed any payments on the following account XXXX   XXXX XXXX. Please investigate to ensure the information is correct.
Product: Debt collection

This collection company stated I owe {$110.00} dollars which I know that don't owe. Called this company an asked to show proof that I owe this debt. This was reported XX/XX/2017. I request that this company show proof I owe this debt.
Product: Credit reporting or other personal consumer reports

Upon checking my report I notice that an account I do not recognize from XXXX XXXX ( XXXX ) {$2500.00} Is reporting
Product: Credit reporting or other personal consumer reports

I sent a debt validation to for specific debts found on my credit report with the three bureaus and XXXX is the only one who responded. XXXX and Experian has not. I have a tracking number showing when I mailed the method of verification letters. And I received an updated credit report from all the bureaus. XXXX was unable to produce their method of verification so they deleted the XXXX XXXX XXXX account and XXXX XXXX and XXXX and Experian didnt show me their method of verification but stated that the companies have certified the accounts as accurate and correct. They have not fulfilled the duties asked for them and are violating my rights. 
XXXX tracking number : XXXX Experian tracking number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 wromng person.
Product: Checking or savings account

{$330.00} was withdrawn from my checking account XX/XX/XXXX to satisfy a previous account that was closed XX/XX/XXXX with NFCU that did not have an outstanding balance. The last communication that I have had with NFCU with regard to this account that was closed was in XX/XX/XXXX and it was satisfied in order to open a new account with them which is still active to date. The bank advised that both accounts were active at the same time however they were not because I was not able to open the new account without satisfying the closed account. I have since had an auto loan with them in which I paid off early, a personal loan ( still active ), a savings account ( active ) as well as a checking account ( active ) and at no time did NFCU reach out to me outside of XX/XX/XXXX to discuss the closed account or any balance owed on the account instead almost 4 years later they debit funds out of my account without notice causing it to go into the negative. I asked that they send a copy of the last statement for the closed account they are collecting for as well as the 1st statement for the account that was opened around that time neither of which has been provided to me yet, I am asking that my funds be placed back into my account as it is not owed to them nor can they justify the lack of communication for almost four years on an account they believed to be delinquent that was satisfied. They could only advise that they do not send notices out nor do they call on delinquent checking accounts that are closed, please do tell how would a consumer know funds are owed on an account that was satisfied and not open at the time that the new account was established. I would like the last statement for the account they are saying had a balance as well as the 1st statement for the account that was opened in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$9700.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.