23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX and XXXX both have me as having a home loan taken out in XXXX 2015 and i do not have a home loan. I am unable to get my credit reports or scores. It shows i have a student loan and auto loan and credit cards that i did not open. I want. Any and all forms and steps i need to take mailed to me. I want all three credit agencys to mail me my credit reports as well. I want my credit report to reflect i am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE FILED A IDENTITY THEFT REPORT WITH THE TRADE COMMISSION HOWEVER I CAN NOT GET THE BUREAUS TO REMOVE THE INQUIRIES THAT I DID NOT MAKE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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
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 Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Over the past several years, I have received letters approximately once per year from this company ( or another iteration of the same, but under a different name ). Oliphant, LLC, claims that I owe a debt in the amount of {$380.00} from a company called XXXX. I have disputed this alleged debt numerous times, and Oliphant has never provided verification of the debt. As such, they usually remove the unverifiable debt from the credit bureau reports. 

This past XXXX, XXXX, I received yet another letter from this company. As per usual, the amount owed, the original debtor, and the account numbers were slightly altered. In fact, the original debt was first reported approximately 8-9 years ago. I disputed the debt and received a reply that Oliphant acknowledges that they are unable to verify the debt, that they would take no further collection action, and that they would not report the alleged debt to the credit bureaus. 

In XX/XX/XXXX, I discovered that the unverified debt was on my credit reports. On XX/XX/XXXX, I submitted a dispute to XXXX and XXXX. Both credit reporting companies replied that Oliphant CONFIRMED and VERIFIED the debt. 

To date, Oliphant, LLC, continues to report the alleged debt to each bureau, thereby harming my credit and damaging my ability to obtain credit. 

I have retained copies of all letters sent to Oliphant, and its " partners '', over the years. In addition, I have retained receipts from the US Postal Service each time they have been notified of a dispute.
Product: Credit reporting or other personal consumer reports

COMPANY : XXXX XXXX FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} I CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT XXXX XXXX DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING XXXX XXXX REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE XXXX XXXX REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH XXXX XXXX WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE XXXX XXXX REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE CYBER ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM XXXX XXXX IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT INFORMATION TECHNOLOGY AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you guys will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED A COPY OF CONSUMER REPORT AND HAVE YET TO RECEIVE A COPY.
Product: Credit reporting or other personal consumer reports

I'm requesting that these accounts to be deleted. I've been challenging these bogus and erroneous accounts. I also attached an FTC in my previous disagreement, which I am also attaching to this one.
Product: Student loan

wanted to see if I qualify for any type of loan forgiveness or reduction s of any sort
Product: Student loan

I sent Nelnet an Affidavit of Truth on XXXX XXXX that was notarized, and sent through certified mail. The USPS shows that they received it on XXXX. I received an email today indicating that they received my Validation of Debt request. This was not a validation request, it was an Affidavit stating 7 facts of fraud and willful disregard for my privacy, and consumer rights under the FCRA & FDCPA. This company continues to operate in violation to Federal Law in regard to my 2 accounts.
Product: Mortgage

NationStar Mortgage aka. Mr Cooper is our mortgage company. They bought out our previous company XXXX XXXX XXXX in XX/XX/XXXX. 

We filed bankruptcy in XXXX to save our home Chapter XXXX. 
We got behind 4 payments afterward and agreed to a stipulation agreement paying an additional {$850.00} over and above our mortgage payment of {$1000.00} over a 6 month period and keep up with our mortgage payments for the entire time of our bankruptcy which was a 5 year repayment plan. 
In XXXX of XXXX we receive word from our bankruptcy attorney that the attorney for Mr Cooper states we were not meeting our stipulation agreement and were given until XX/XX/XXXX to cure what we still owed on the stipulation. 
We cured {$3100.00}. and change to bring the account current. 
We continued to make our mortgage payments. 
XX/XX/XXXX we receive an email from our bankruptcy attorney that the attorney for Mr Cooper had filed a motion for relief from stay on our property. 
The attorney for Mr Cooper provided a ledger which had very little payment info and nothing from XXXX at all. 
Because we were in bankruptcy all of our payments to Mr Cooper had to be certified funds, so we went to our bank, got printouts of every payment we made to them and sent it to them. 
They sent back a second payment ledger and within that document it stated that from XXXX XXXX to XX/XX/XXXX our mortgage payment had increased from {$1000.00} to {$1600.00}. 
I immediately contacted Mr Cooper to discover our payment increased due to XXXX taxes of {$4700.00}. Mr Cooper claims that because of the bankruptcy they could not send us that updated payment info directly but sent it to our bankruptcy attorney ... we never received the payment increase information, so we continued to pay what we thought our payment was, {$1000.00}. Also, these payment increases to our knowledge were ever submitted through the bankruptcy court as they should have been. 
This put us in arrears for an entire year not even being aware of a mis-stated tax error. 
We had to borrow {$12000.00} to save our house through the Public Trustee office. 
We did so XXXX XXXX. 
XX/XX/XXXX we did receive notification of a payment increase of our mortgage to {$1000.00} and we paid accordingly. 
Through the debt curing process of {$12000.00} it triggered another out of cycle escrow analysis again causing our mortgage payment to be increased again to {$1000.00}. 
Mr Cooper stated we would be receiving a refund check for {$6100.00} after the fact. 
Here`s the problem ... our mortgage payment would have never increased at all if it were not for their tax reporting error! We live in a small 1160 square foot house. 
There is no way our taxes would have ever been that much!

Me and my wife are raising XXXX  children and feel addiment that we are due not only the full {$12000.00} back, but all of the insurmountable amount of stress this situation has placed not on only us, but family we had to borrow money from to cure this debt due to an error on their part. Thank you for your time
Product: Credit card or prepaid card

A few months the ago I had tried to resolve unexplained charges to my relia card for the XXXX time. I had not received any answers or any contact at all I never got statements as well and getting online to check my account was a night mare. Sadly I'm still trying to resolve charges that go back as early as XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX I began my student loan repayment with a company called Premier Student Loan Center. They informed me that they would charge me a fee over 4 months to complete my paper work for a student loan forgiveness program and that after the first 4 payments ( fee for filing ) that any additional payments, which were set at {$40.00} a month, would be going towards my student loan repayment. I made 4 payments of {$230.00} from XX/XX/XXXX to XX/XX/XXXX, after which I began paying the {$40.00} per month up through XX/XX/XXXX. They recently sent me an email requesting me to send in my work verification information. I sent them copies of my paystubs XX/XX/XXXX, then shortly after received another email that additional info was required and to call the phone number given. I tried calling the number and a message came on that the number did not exist. I then called my student loan provider, XXXX, and they informed me that I am on a loan forgiveness program and my payments are {$0.00} a month, and that the paper filing service I paid for they offer for free. Since XX/XX/XXXX I have paid a total of {$1100.00} for what was a free service and no money has been paid towards my student loans. The XXXX representative also informed me that they have had many complaints about this same company for scamming people out of money and that a complaint should be filed to get my money back. I have attached all the emails I received.
Product: Debt collection

On XX/XX/2024 I received several back-to-back phone calls from an unknown number while at work. I answered the phone to someone that I couldnt quite understand due to our language barrier, but the persons attitude was horrendous while trying to collect a payday loan on a debt claim that I applied for it when I lived in a city that I have not lived in for the past XXXX years. This individual did not want to hear that and they started to threaten me that they will take my paycheck at first. It was XXXX XXXX of my check and then I told her can she please give me verification of the depth that I owe and then it went up to XXXX XXXX that I would owe if I tried to get out of paying them I did not want to get out of paying anything. I just wanted to verify what they were saying as well as provide proof that I have been living in a totally different state than what they claim the loan was under. They refused to tell me the companies name they refused to give me an account number or tell me the total that I Owed, the lady tried to rush me to give or she would go to the courthouse the next day with the claim. I explained that I needed to call back because I was on my way to a meeting. This person was yelling adamant that I give them some thing as a down payment or way for them to hold a card on file and foolishly, I did provide them And checking number and told them to wait until we can talk again because I need to verify some things. They promised that they would send me an email with more information but they did not. They sent me a document for me to sign with a payment plan involved after looking up this company they are a scam and have been scamming people for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres alot of unauthorized inquiries on my   XXXX   credit report from companies i dont recognize ...
Product: Credit reporting or other personal consumer reports

Good day. Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my account.
Product: Debt collection

I have not received a letter in regards to the debt or been notified of my rights to dispute the debt.
Product: Credit reporting

Information not mine. 
XXXXAccount NumberXXXXAccount TypeUnknownTerms1 MonthDate XXXXXX/XX/XXXXXXXX2015Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmentStatus UpdatedXX/XX/XXXXXXXX2015Balance $ XXXXBalance Updated-Credit Limit-Past Due Amount {$100.00}
Product: Bank account or service

I was defrauded out of {$1100.00} when someone stole my debit card number and used it to purchase plane tickets on XXXX XXXX. I do not know these individuals whose names are listed on the itineraries. I did not make the purchase as could be determined by an IP address associated with the purchase and my location at the time. Further, I was in New York when the purchase occurred, which purchase was XXXX flights from XXXX to XXXX. I disputed the transaction and was credited back the funds, but upon investigation, USAA determined that I had authorized these purchases and was going to reverse their original credit, re-charging me the {$1100.00}. They never consulted me during the investigation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX ( account number : XXXX Below are the specific issues I have identified : XXXX. Incorrect information in all three bureaus : The account in question contains errors in all XXXX  major credit bureaus ( XXXX, XXXX, and TransUnion ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 
XXXX. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. 

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, XXXX, and TransUnion ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

Sincerely, XXXX XXXX.