23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX , NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED 4XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX XXXX : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXXXXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Early warning systems almost 10 days ago and requested a copy of my consumer report. I requested this report through their portal. I have yet to receive a response from them. I have a right to this information. If they can supply this information to a bank instantly then they can e-mail, mail, etc me by now. Its clear from the attachment that I requested this report on the XXXX
Product: Credit reporting or other personal consumer reports

On or around the following dates, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I respectfully requested to be provided proof of the alleged items listed on my credit report, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed items are entirely inaccurate and incomplete, and as such represent a very serious error in their reporting. 

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

My student loan from XXXX XXXX in XXXX, GA is showing late payments when it's actually in forbearance. Besides, It has been XXXX  US Dept Of Education per evidence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Debt collection

The contract related to this account is unverifiable and and according to TILA violations the debt collectors intent is not relevant. The debt collector needs to be thoroughly reinvestigated for an accuracies and violations of the Consumer Financial Protection Act by engaging in unfair and deceptive practices the lender also failed the original truth and lending disclosure statement.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : TRANSUNION XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Product: Debt collection

I received a statement of {$25.00} from a collection company named XXXX billed by XXXX XXXX XXXX. I am only XXXX years old & have never had any bills from this company under my name or social security. I called the company XXXX and they tried to verify my mailing address & asked me if I lived in a different mailing address which I have not so they advised if I had not applied for this company that my identity had most likely been stolen and had to file this dispute.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Man named XXXX XXXX from " the legal outsourcing department '' calls from # XXXX. Stating its in my best interest to call back, he has faxed my employer preliminary wage garnishment forms and spoke briefly with my supervisor ... If I do n't respond to item number XXXX, so they can obtain an official statement from me, they will report back to their client to initiate legal proceedings. Number to contact is XXXX. Stated in another message that there are XXXX complaints stemming from my checking account. Their office has been retained to review and prepare this file for litigation against my name and ss # with my local county ( he names my county. ) before such files can continue, we are required by federal, state as well as county law, to show we have made every attempt to contact you and afford you and opportunity to resolve the matter voluntarily ... He goes on and on reading what he 's supposed to ...
Product: Debt collection

Good Morning, During the process of reviewing my credit report. I noticed the company Financial Data Systems Inc. on my credit reports as collections multiple times. It states the file was opened on XXXX/XXXX/2017 in several different amounts for this noted date. Amount # 1 : {$29.00} Amount # 2 : {$120.00} Amount # 3 : {$26.00} Amount # 4 : {$120.00} & Amount # :5 {$200.00}. I have contacted this company via certified letters asking for validation of these debt amounts because they do not belong to me. I did not receive a response from this company. I have also made attempts to contact this company via telephone & informed the rep that I sent out letters requesting validation & informed him that these debts were not valid. The individual attempted to still collect a debt after I informed him multiple times during the call that the debt did not belong to me & that it was IMPERATIVE they removed these debts from my credit report. I then contacted XXXX & XXXX via certied letters requesting that the debt be validated or deleted. In response I received correspondence stating that the debt was validated but there was no proof of validation as requested. Which in turn I sent a second round of letter to both the credit bureaus & the debt collector to attempt to resolve this matter. Financial Data Systems then sent an update to all credit bureaus on XXXX/XXXX/2017 causing an additional major hit to my credit. Financial Data Systems Inc is not licensed or authorized in the state of South Carolina to collect on any debt. Their license has been considered dissolved which means it is not legal for them to practice debt collection in the state of South Carolina. So I do not understand why this company is attempting to collect on debt especially debt that does not belong to me. I have exhausted all of my options as an attempt to reach a resolve in getting this debt removed off of my credit report with all bureaus.
Product: Credit card or prepaid card

As of XX/XX/2018, I have made 4 payments totaling {$750.00} to XXXX XXXX XXXX XXXX   XXXX, however none of them have been credited to my account. They have all been paid through Capital One Bill Pay and Capital One shows that all payments have been processed ( Exhibit A ) and cashed ( Exhibit B ). However, XXXX XXXX shows they have not received any payments since XX/XX/2018 the last payment they show was in the amount of {$280.00} ( Exhibit C ). I have received a delinquency letter ( Exhibit D ) and have been charged at least one late charge ( Exhibit E ). I do not want XXXX XXXX to report my account delinquent to the credit reporting agencies. 
As soon as I noticed this problem, I contacted Open Sky on XX/XX/2018 and spoke to XXXX ( around XXXX XXXX  EST ). She took down my phone number in case we were cut off. She said she would have to start an investigation and she put me on hold for so long we were either disconnected or she hung up. She made no effort to call me back. From the absolute void of information from XXXX XXXX since then, it looks like she made no effort to launch the investigation either. 
To date I have not received any notices from XXXX XXXX about the investigation, not to mention over Seven hundred dollars of my money missing. In short, I do not believe XXXX started any investigation and I find that criminal in light of the credit problems and monetary losses that are clearly foreseeable. The payments are as follows : XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} Unfortunately, I have so often found myself in the position of being told lies, incorrect information, etc. it has become necessary to file complaints with the CFPB just to get someone in authority interested the problem I do not want to find late payments have been reported to the credit reporting agencies, and I am apparently the only one who is trying to find a solution to my missing money. 
I have filed this complaint against both XXXX XXXX and Capital One in the event Capital has not remitted the payments to the correct account. Something is wrong and it appears the answer lies in one of the two Defendants.
Product: Vehicle loan or lease

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows :
Product: Credit reporting or other personal consumer reports

XXXX XXXX for a credit card XX/XX/XXXX never applied. 
XXXX XXXX XXXX XX/XX/XXXX Do not know what this is for XXXX XXXX XXXX I'm guessing a credit card XX/XX/XXXX XXXX XX/XX/XXXX Never applied XXXXXXXX XXXX XXXX XX/XX/XXXX Never applied XXXX XXXX XX/XX/XXXX Never applied XXXX XXXX XXXX XXXX notified me that my information was stolen from the database I have never applied to any of these companies. this is affecting my score badly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXXXXXX 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

I have requested in writing that all of my old addresses be removed as I keep getting mail forwarded from the old addresses. I only have one address XXXX XXXX XXXX XXXX XXXX SC XXXX, that is the only one that I want on my credit file. XXXX and XXXX XXXX have removed them BUT Experian refuses to take them off my report. PLEASE REMOVE NOW.
Product: Mortgage

BAYVIEW LOAN SERVICING FAILED TO ANSWER COMPLAINT Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. XXXX. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in I.C.2 in a communication to be sent to the borrower as indicated in I.A.18. XXXX. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case XXXX be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the XXXX XXXX XXXX, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXXXXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
Product: Debt collection

This account that i do not recognize was opened as a result of identity theft and needs to be removed immediately., continued reporting/collection of an account that was opened of because fraud
Product: Credit reporting or other personal consumer reports

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me.
Product: Debt collection

Portfolio Recovery keeps calling my house and asking for people that do not live here, even after I have told them there is no one here by that name.
Product: Mortgage

I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.
Product: Debt collection

I was XXXX from XXXX XXXX until XXXX XXXX. During that time, a relative used my personal information to obtain credit, goods and services in my name. There have been car loans, bank accounts and not so successful attempts to get a mortgage. I have been pretty successful in providing documentation to creditors and debt collectors listed on my credit bureaus and subsequently having the negative information removed. Except the following two companies. Receivables Management Systems Account Number : XXXX This company is collecting for XXXX XXXX, a express medical facility. I have been able to provide significant information that proves that this debt was not incurred by me. I provided all of my records from the XXXX XXXX XXXX here in Maryland which lists the date I began my XXXX to the day that I was released. Since XXXX, I have left voice messages for a supervisor named XXXX, who never seems to be available when I call him. I have had better luck speaking with a representative named XXXX XXXX, but even then she is limited in what information she can provide. When I last spoke with her on XXXX XXXX, she told me that the agency was waiting to find out from XXXX XXXX if I was serviced there as an XXXX - which I certainly would not be. I left another message for XXXX XXXX yesterday, after waiting a full two weeks and I still have not heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a letter from the Consumer Protection Division of North Carolina and I filed a complaint against the company Upstart. Their investigations concluded that with identity theft documents and multiple complaints, they were still trying to hold me liable for debt that they could not validate. They mailed me a number of copies of documents saying I took out the loan but none of them proved it was me nor did it bear my wet ink signature of any sort. At the time I was in the middle of trying to purchase a home and this debt was holding me up so I was going to attempt to settle the debt even though it was not mine. I contemplated for weeks on making the payment but I decided against it as it would hold me liable for this debt and I never agreed that it was mine. In their letter, they stated that they conducted multiple investigations but they never went outside of their company to find out if the debt was truly valid. They wanted me to provide them with bank statements proving the account the money went to was not mine or to return the funds. If you did a proper investigation into the matter then you should already have that answer but they also stated they would investigate further with that information. They wanted me to settle for {$2700.00} on a debt that was original {$7900.00} but I like I said I refused to take ownership by doing so and I didn't pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted a dispute with Experian on XX/XX/2022 about companies reporting late payments to my consumer report without my written consent. When Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

I want all late payments removed from my consumer report from XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

My Discover credit card was charged for a Texas rent payment in late XXXX of XXXX - a transaction of {$920.00} dated XX/XX/XXXX to XXXX XXXXXXXX XXXX. I disputed this transaction immediately stating that it was not mine and they refunded the charge while they investigated. I also froze my account and had a new card issued. Discover then determined that the charge was valid and put it back in place so I paid it even though I live in Missouri. Then early this year they informed me that someone in Texas had made this transaction so I called Discover and they said it would be handled by their Fraud department and I would receive my money back. This has never happened. 
I contacted them again in XXXX of this year and they realized that I had changed account numbers to prevent fraudulent charges and they again told me that I would receive my money back. It is now XXXX and this has still not happened. 
I am requesting your help since Discover has not been able to handle this simple request.
Product: Bank account or service

Chase Bank located in XXXX, CA XXXX closed my personal account without any notice and refuses to tell me why? I 've had an account there for more than 5 years and also have my mortgage with Chase.