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

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$790.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$740.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$980.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}
Product: Checking or savings account

I filed a complaint on XX/XX/year> about wells fago closing my cards because i set off the account with a bill of exchange, a rep called today and stated that they are shutting my accounts down with wells fargo.This is a vicious attack on me .Title 18, Section 242 US code.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached
Product: Credit reporting, credit repair services, or other personal consumer reports

When I had COVID they agreed that the account would not be reported late for XXXX of 2020 failure for this company to correct there promise will result in me taking the full action allowed by the CARES act of the UNITED STATES OF AMERICA and I wil discontinue any future payments until a resolution is decided by the local courts of law
Product: Debt collection

I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a XXXX XXXX acct with a General Power of Attorney and got XXXX. Shorty after returning from XXXX she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with Portfolio Recovery. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. Portfolio had no issue taking the 1000 dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX will not remove items reported with proper documentation off of my credit file they continue to keep the disputes going for over 30 days state they are fixing the issue but does not correct it even with the correct proper documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquiry XXXX XXXX XXXX, XXXX.
Product: Debt collection

I am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries on my name that occurred between the dates of XXXX and XX/XX/year>. These inquiries were not authorized by me, and I have attempted to dispute them with the credit bureaus to no avail. 

I have worked diligently to maintain a good credit standing and these unauthorized inquiries are negatively impacting my ability to obtain new credit. It is crucial that these unapproved inquiries are promptly removed from my credit report to prevent any further harm to my financial reputation. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized inquiries removed from my credit report within 30 days. I trust that you will handle this matter swiftly and efficiently to rectify this issue. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these unauthorized inquiries from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my XXXX XXXX and preventing my credit applications from being approved.
Product: Debt collection

A company LHR , Inc in XXXX, New York is selling charged of debt to other individuals. They are threatening me with wage garnishment. What are my options to stop this? From my research - LHR is a questionable company. And may no longer be in business. I do not want the added expense of a lawyer, but if that is what I have to do I will.
Product: Mortgage

To Whom It may concern, I XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, help me I do not want to be thrown out on the street with my family. 
Yours truly, XXXX XXXX XXXX
Product: Vehicle loan or lease

I obtain a vechile and credit acceptance was the finance company. I came upon hard times and car was reprossed I spoke with company who was selling the car to XXXX XXXX auction and I could pay the reprossession fee and fee at the auction to get the car. I did just that and got the car to get pulled over and was told that car was no longer within my name so I called Credit Acceptance who sent me all the information I needed to get the car back in my name and then came a repossessed the car with no knowledge of the car was and would not response to my request of knowing where the car was located and then I got told they took car back and since it was out of my name and gone was not my responsibility. Now in XXXX  they sent me information stating they were going to garnish my check but no follow up date on the court date then in XX/XX/2023 I got my check and found out they are taking XXXX every XXXX weeks equaling almost {$600.00} out of my check affecting my income. I went to get another car and now I am running into issues because of their false information and is now affecting more than it should placing me in hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Transunion ) 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. 

I am filing this FTC Identity Theft Affidavit to report nine fraudulent accounts and one fraudulent hard inquiry appearing on my consumer credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts and inquiries have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my TransUnion credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I formally request that TransUnion block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within XXXX  business days upon receipt of proper documentation.

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.
Product: Credit card or prepaid card

Received calls from so-called Discover card saying they are offering me a discounted interest rate on my Discover card. I do not have A Discover card and Ive asked to be removed from the list but they keep calling. 

Calling from number XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account number XXXX opened XX/XX/XXXX has sold my information to XXXX XXXX which is a company that is not licensed to collect in there state neither in the state of Georgia. 

XXXX XXXX XXXX  account number XXXX opened XXXX XXXX has sold a debt to XXXX  which is not licensed to collect in either. 


XXXX XXXX XXXX is a inquiry on XX/XX/XXXX that does not reflect to any open accounts on my profile. 

XXXX  XXXX  is a inquiry on my credit report that does reflect any open accounts on my credit. 

XXXX XXXX  XXXX XXXX on XX/XX/XXXX is a inquiry that doesnt reflect as a open account on my credit report. 

XXXX XXXX XX/XX/XXXX account number XXXX is not reporting correctly alleging that I was late on payments which is not true. 

XXXX XXXX XX/XX/XXXX account number XXXX is not reporting correctly alleging that I have made late payments which is not true.
Product: Debt collection

This debt was charged off by original debtor after insurance company paid them off after a fire at said residence. The debtor had insurance on home which they took out. This debt was charged off by original debtor.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action.I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter. 


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

First and foremost, Experian has been reporting and updating XXXX  which is a closed account on my credit report. I have written and requested several times to investigate and reinvestigate information on how and why this information is accurate. I have requested how they obtain this information, who they have corresponded with and what information was provided that the information listed is indeed correct. 
Secondly, This account has not had a status change or updated since XXXX of 2017. So, where is Experian getting this updated information from?
Product: Student loan

I have worked in the public sector for over 15 years. I graduated from school in XX/XX/XXXX, and have been paying on my loans since then. In XX/XX/XXXX, I knew about loan forgiveness for public sector employees. I contacted my loan proceeded in XX/XX/XXXX and asked what I needed to do to qualify for the loan forgiveness. At that time, I was set up on an automatic withdrawal to pay the amount every month at about {$350.00}. I have not missed a payment since XX/XX/XXXX. In XX/XX/XXXX, my loan was taken over by Mohela. I left everything the same, even though my principle ( which had doubled to {$42000.00} ) was not decreasing. Today, I talked to Mohela about getting that loan forgiveness, and they told me that I was enrolled in extended payment ( with am expect repayment date in XX/XX/XXXX which is 35 years after taking our the loan ), and extended payment doesnt qualify for forgiveness. I have been paying on time for 9 years, with the principle of the lon not decreasing. When I talked to a supervisor about this, they told me they were sorry and that the extended loan repayment was to help consumers. How can they even try to say that? I will also be writing my senator and congress representative about their predatory practices. This is disgusting!
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 items XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-XXXX  //LATE open - Balance {$900.00} -Date Opened : XX/XX/XXXX XXXX //LATE open - Balance {$770.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$3500.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$6500.00} -Date Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I posted an item on XXXX XXXX. First time seller. In the first 1h of posting the item I received 4 messages. I replied to one and the 'buyer ' told me he would pay me asap and have his son pick up the item later in the day. He suggested XXXX. I said ok send me the money ( {$550.00} ) and I gave him my XXXX info ( email and phone number because I wasn't sure which one I had connected to my account ) and then he said he sent it and he wanted an screenshot of the email of confirmation. I found the email from " XXXX pay '' and it indicated that only a maximum of {$500.00} could be transfered so the money was pending. The email also said that the transaction couldn't be cancelled and that in order to continue with the transaction I had to create a XXXX Business account and the only way to do that was for the 'buyer ' to send me {$1000.00} and then I had to send {$450.00} back to the 'buyer ' so the transaction would process. The 'buyer ' was insisting and constantly texting me as to put pressure and make me believe that he trusted me by sending {$1000.00} and asking me whether or not he could trust me with the 'extra ' {$450.00} he was adding so the transaction could take place. I asked for his XXXX info and send the {$450.00} which was pending on my XXXX account connected to my Chase checking account. Then I proceeded to get a phone call which appeared on my cell phone as " Chase '' and I answered. The " representative '' told me he was calling because of a XXXX transaction that needed approval. He proceeded to confirm it was me by asking 3 security questions related to addresses I had lived in the past and places I had worked at. Then they sent me a code on a text which I had to give to him so he could verify my identity and proceed with the transaction. After that call, the XXXX transaction was delivered and so I informed the 'buyer ' that I did all that was required but then the 'buyer ' kept saying he still had issues with the money. I proceeded to get another email saying that a Government fee of {$1000.00} had to now be paid in order to get the money transaction to proceed. Unfortunately, it was only until that point that I realized all was a very elaborated scam. I called Chase bank and they said they couldn't do anything about it because it was a cash transfer. I called XXXX and they said that they are aware of many scams and they were sorry but there was close to nothing they could do about it. 
The other 3 people that also contacted me on XXXX XXXX were also scammers. They initiated the communication in the exact same manner offering to pay through XXXX. They never replied or left the chat after I asked for other ways to do the transaction or for the transaction to proceed in 2 payments.