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

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Balance : {$630.00} ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several letters to XXXX and Equifax regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.
Product: Credit reporting or other personal consumer reports

Im filing this compliant regarding the inaccurate item in my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly withy he reporting agency it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Debt collection

I do not owe money to this company. I never conducted business with this company, or a rental property associated with them.
Product: Debt collection

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

NELNET is violating my consumer rights under 15 U.S. Code Chapter 1692-15 U.S. Code SUBCHAPTER VDEBT COLLECTION PRACTICES.

There are multiple federal violations that the NELNET is grossly violating. I have also submitted an Affidavit of Fact and a demand of removal from my consumer report.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I XXXX XXXX XXXX, am the ORGINAL CREDITOR and extended the credit to NELNET. 

I am holding NELNET is civilly liable for their gross negligence. Attached is a copy affidavit of fact that includes the FDCPA violations and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative accounts in my credit report that don't belong to me, please remove them as soon as possible from the three credit reporting agencies.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I was never given notice that my car would be repossessed. I was never given notice of the date my car would be sold at auction. I was never given notice the amount my car was sold at auction. I was never refunded money for my auto warranty and Gap Insurance. Balance showing is {$26000.00} which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confirmed that XXXX and XXXX is the data furnisher of public records to Experian. Experian specifically states that you have to file a dispute with XXXX. I filed my dispute XX/XX/23 Case # XXXX, XXXX states they have removed my disputed information from my file and forwarded the information to Experian. Experian agents stated that they use XXXX to collect and add public records but they will not use them to remove any XXXX records. This entity continuously violates my rights to privacy and continues to report inaccurate information that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. I also believe my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the XXXX. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military XXXX and my security clearance remains at risk.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX  XXXX XXXX ....
Product: Credit card

Hard Inquiry listed twice, in the same day, for the same card. 
Should only be one hard inquiry for one card.
Product: Vehicle loan or lease

I was tild that i could only get a bill from the auction company once i finally spoke to the company they said that since the bill was between them and the loan company they could not give me a copy, i informed the loan company and was still told I couldnt have a copy, i have now asked for an account summary 2 times and have not received it.
Product: Credit reporting or other personal consumer reports

Summary of Complaint : XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. 

Details of Complaint : The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on XXXX. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus. 
I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies. 
Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy. 
FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute.

CFPA ( Consumer Financial Protection Act ) : Discover 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

Attached you will find a copy of my id, a copy of my social security card, a copy of my most recent bill, a copy of my FTC complaint, a screenshot of the account removed from XXXX and the letter for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a loan with Prosper, I had financial problems due to COVI19 and because of this it became impossible for me to pay the monthly payments contracted with PROSPER. I tried to recover as soon as possible, and I was always in contact with PROSPER negotiating agreements to pay off the debt. They offered me that if I showed that I had been affected by COVI 19 they could give me some flexibilities for payment. I sent them the corresponding documents and they agreed to accept me as AFFECTED. They were going to deferral those months and they were also going to add a note saying : Affected by Natural or Declared Disaster. This does not negatively impact your FICO credit score. They did that the first few months and then withdrew the note and my credit drops affecting me the possibility of being able to access some services such as buying a car or even getting a rent or a home. I have attached evidence of the emails with them where they agree to put the remark. After time and after several calls and complaints now tell me that they removed the remark and will not put it back. ( I have attached the Emails )
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Mortgage

On XXXX/XXXX/XXXX, I was told Bank of America 's process changed and they never received notice of my husband 's death. 

On XXXX/XXXX/XXXX, Full Reconveyance recorded as Doc # : XXXX - XXXX states, XXXX XXXX, as successor by merger with XXXX, XXXX, duly appointed Trustee under Deed of Trust dated XXXX/XXXX/XXXX, made by XXXX XXXX XXXX as Trustor, and recorded on XXXX/XXXX/XXXX as instrument XXXX - XXXX in the office of the County Recorder of XXXX XXXX County, California, has received from Beneficiary there under a written request to reconvey and in accordance with said request and provision of said Deed of Trust, does hereby reconvey, without warranty, to the person a persons legally entitled thereto, the estate now held by it thereunder. By : XXXX. Civil, Asst.Vice President. I paid Bank of America in full, and received Full Reconveyance. 

On XXXX/XXXX/XXXX, Bank of America 's letter to me states, Bank of America recently learned that XXXX XXXX XXXX, who was a valued customer, has passed away. Please accept our condolences during this difficult time. Based on the information received XXXX XXXX XXXX has been removed from the statements on that referenced account. Our records indicate that you are jointly liable on the account. Consequently all statements and correspondence will continue to be sent to your attention at the address listed above. If Bank of America 's information is not accurate, please contact us immediately at XXXX so that appropriate corrections can be completed. If an estate is available for XXXX XXXX XXXX, please contact us at the number above or forward and the executor contact information to the following address Bank of America, Attn. : Consumer Deceased Processing, XXXX XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. In accordance with the original contract terms regular monthly payments must be made to Bank of America until the full balance outstanding is satisfied. This payment application continues, regardless of any requests by you or any effort by Bank of America to seek recovery from XXXX XXXX XXXX 's estate. Again, we are sincerely sorry for your loss. XXXX XXXX, Consumer Risk Operations Group. 

On XXXX/XXXX/XXXX, XXXX signed the First Amendment of his revocable trust ( XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX. I am the spouse ( not XXXX XXXX ), and sole beneficiary/successor trustee of said Trust. 
On XXXX/XXXX/XXXX, XXXX signed his revocable trust ( XXXX XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Mortgage

My loan was transferred to Select Portfolio Servicing ( a mortgage service organization ) on XXXX of this year. 

Request After a month or XXXX I asked them to run an escrow analysis on my account as it seemed to me that they were withholding too much in my monthly escrow payments for the annual payment obligations I had. 

The total of my annual escrow liabilities is {$14000.00} ( School Tax, property insurance , county tax, & local tax ). This breaks down to ~ {$1200.00} per month without any buffer. 

They are charging me {$1600.00} per month which calculates to {$20000.00} per annum. So they are collecting $ XXXX for $ XXXX of obligations. 

On top of this, I have built up an escrow overage of {$4500.00} in XXXX, so in XXXX I will not only be paying them {$20000.00} but I am starting the year with {$4500.00} already in my escrow account. 

I asked them XXXX  times to run an updated escrow analysis as they appear to be over withholding on my escrow obligations. They refused to run the analysis until next year ( XX/XX/XXXX ). The reasoning was that they only run escrow analysis " once '' a year and that I would have to wait until next XXXX. 

On XXXX of XXXX, they will have XXXX {$9900.00} ( monthly overpayments of {$5400.00} + my beginning escrow balance of {$4500.00} ) Can you please help me. They are not listening to me, and have denied my reasonable request for an updated escrow analysis. 

Call me at ( XXXX ) XXXX if you have any further questions. 

Thank you and best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent 15 USC 1681 section 602 A states I have the right to privacy.15 USC 1681 604 A section 2 It also states a reporting agency can not furnish a account without my written instructions. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon researching this debt, I 've discovered it 's a time-barred debt that I thought was removed from my debt years ago. This debt is from XXXX, according to the paperwork I acquired from the XXXX XXXX County courthouse, however, I believe this was originally from XXXX. This debt was unknown to me until I received a writ of garnishment from my employer. When I contacted the Vinci Law Office on XXXX XXXX, XXXX I was advised they could n't tell me when I was served court paperwork, and to go to the courthouse to obtain that information. On XXXX XXXX, XXXX I got the Affidavit of Service, which has false information. It says a substitute was served at my ( previous ) residence on XXXX XXXX, XXXX to XXXX XXXX as Sister and Resident. However, I was the only tenant at that address, and the only person I know close to that name is my ex-mother in law ( divorce final in XXXX ), whom has never been to that house, and is not my sister. Not only do I believe this to be a time-barred debt, but a FALSE Affidavit of Service was filed. Due to these unlawful debt collecting practices, I request this to be removed immediately.
Product: Debt collection

Date : Thursday XX/XX/2022 Time : XXXX EST Duration : XXXX Minutes Company : XXXX. Data Number Called : XXXX Details : My phone call started with an IQ Data representative -- can't recall her name, but she was very nice and professional. She presented XXXX payment options : the first was to pay in full ( {$5800.00} ), and then they would remove the account from reporting ; the second was to pay 80 % of the debt ( {$4600.00} ) and it would show as a paid settlement. I informed her that neither of these worked for me right now due to my current financial, unfortunately, so I would just have to ride it out and see if my financial flexibility improved. She said she understood and suggested that I speak to her manager, as they might be able to present a better option. I was then connected to XXXX XXXX, who was quite rude and very aggressive. Once again, he presented the same two options : pay in full, or pay 80 %. The option I presented to them, paying about 40 % of the debt, did not work for them, so I said I understood that 'they had to do what they had to do ' -- meaning they had to stick with their offer and not accept a reduced offer. However, Mr. XXXX replied quite rudely and asked me 'do you really want me to do what I have to do? This will get ugly and cost you a lot more money when we take you to court or put a lien against your income. You just provided updated information to us about your address, income, etc ... .so now we have all the information we need to 'do what we have to do '. I told him I had about $ XXXX that I could pay today to resolve the account. He asked 'Where 'd you get that money? If you saved up that money once, I don't see why you can't save up the rest '. I flat out told him he was being rude and making grand assumptions about my financial standing. Seeing that we could not come to a resolution, we ended the call shortly after that.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies affecting my creditworthiness. I am requesting the credit bureaus to investigate and rectify these errors promptly. The account details requiring verification are : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I've tried many times to contact them to ask them why my loan payments have changed my loan payments went up significantly from last year I was on auto pay they took me off of auto pay. I can't get in contact with anybody any time I call I'm on hold for hours, I can never get a human on the phone it's a XXXX XXXX trying to navigate to get to the point of speaking with someone. They never respond to me, They'd never answer me they'd just send me emails saying that I no longer have auto pay my loans have went up. I feel like they are intentionally leaving me at limbo so my loans keep going up and I'll never be able to pay them off I'm currently at {$25000.00}.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires the deletion of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are incorrectly reported, with wrong amounts and dates.