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

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time.

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated account that has surfaced on my credit report. After thorough examination, I have identified an installment account that does not accurately reflect my current financial status. This discrepancy spans my entire credit profile, including inaccuracies in Account Numbers and the covert concealment of certain account details, which contravenes legal statutes. 
XXXX XXXX XXXX  XXXXDept of ED XXXX XXXX XXXX {$4500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment. These disparities have been meticulously documented across all credit bureaus and will serve as vital evidence as I endeavor to rectify the inaccuracies within my credit report. 
Additionally, it's crucial to note that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' may constitute violations of consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). 
The outdated account I am disputing are as follows : I appreciate your prompt attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA regulations, I insist on receiving a response within 30 days from the date of this correspondence. Failure to address and rectify these inaccuracies within the stipulated timeframe will leave me with no alternative but to pursue further legal action against the credit bureau.
Product: Credit reporting or other personal consumer reports

The following accounts XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXXXXXX XXXX XXXX  - ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX  - ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX  - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Experian Or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft, someone has taken a student federal loan out using my information. Back in XXXX location XXXX Virginia, I have lost my purse, which pertained my social security card, credit cards, I.D, and other important information, it has been a few days since I've discovered purse missing. I have learned about fraudulent loan whenever I checked my credit report back in XXXX of spring, I have discovered there's over {$85000.00} in student loans taken out since XXXX, this discovery was very surprising and upsetting, I have filed a police and FTC identity theft report and contacted all 3 credit bureaus to dispute false accounts, after explaining and sending them supporting documents, all 3 credit bureaus has cooperated by deleting loans off my file within 30 days, I have contacted Navient to report fraudulent accounts ; I have explained what happened and confirmed with them I am not the account holder of loan, I have also sent police report via mail along with other supporting documents, within 30 days Navient sent me a letter stating they were unable to confirm my claim of identity theft on loan, I have never been so upset. I've also explained to Navient that I've tried calling XXXX   XXXX and received a busy tone, along with research school and discovered school no longer exist and that it's not accredited, not only do I have student loan taken out in my name, but the school does not exist! that's insanity. Navient and XXXX  XXXX has destroyed my life, I just want this issue resolved, so I can get my life back. please help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

this attorneys office sent me a document to collect on a debt from XXXX XXXX XXXX with my name on it. it is an account that was fraudulently used in my name and disputed by myself years and months ago again as it was appearing on my credit file. XXXX  XXXX XXXX rechecked the matter and confirmed it did not belonging to me after documentation was again sent to them as well as a police report. they removed the negative and fraudulent account and now today months later i get a civil suit notice with the attorney XXXX  XXXX XXXX i guess sold this account to and dint inform them this is resolved. the attorney reached out to me months ago and advised to respond if i disagree, i replied that day via call and then mailed a letter the very next day ... never heard back until today getting served. i read horrible and similar reviews of this attorney and their office and this sis not right at all, they =should n't be able to do this to people like they do. please help me and the little guy!!
Product: Mortgage

On XX/XX/XXXX, I made an additional escrow payment in the amount of {$4700.00} to offset my escrow shortage of {$5300.00} and to lower my monthly mortgage payment due XX/XX/XXXX. I made the additional escrow payment via Wells Fargo 's website. However, Wells Fargo 's system did not make apply any of the {$4700.00} to additional escrow as I submitted. Instead, Wells Fargo made a payment in the amount of {$1700.00} to the XX/XX/XXXX piti payment. Wells Fargo also made a payment to the principal balance in the amount of {$2900.00}. A total of zero dollars of the {$4700.00} was applied to the additional escrow as I requested. On XX/XX/XXXX, I noticed the {$4700.00} was not applied to 'additional escrow ' and I called Wells Fargo XXXX escrow department. The representative reversed the previous payments and applied them correctly. However, because of the incorrect application of the {$4700.00} that I requested on XX/XX/XXXX, I had to pay a significantly higher mortgage payment for XX/XX/XXXX. After speaking with a supervisor, it was explained that additional escrow payments that do not satisfy the complete escrow shortage amount are labeled as 'unapplied funds ' and are applied differently. Wells Fargo website does not provide a disclosure explaining this situation to customers.
Product: Mortgage

Fifth Third has been nothing but difficult when dealing with them. A few years ago I had to have a modification ... it took a year for them to actually help me. After a year of first them stating that they " had all the documents '' then getting a letter stating that they did n't get everything and I had to start over. I had retained a lawyer but they were shut down by the FTC - then suddenly Fifth Third did my loan modification within days However they had to do a " buy back '' but would n't tell me why. Flash Forward till now ... I again lost my job and called them within a day because on their website they state you do n't have to be late to get help. I called before I was late, then I received a notice stating they could n't do a modification. I continued paying my mortgage but again, without steady employment as I thought ... it became difficult. So I have resubmitted my application 2 times ( one was an appeal ) they have rejected them with different reasons but offer a short sale. I have tried and tried to get in touch with my Specialist at fifth third ... but he will not contact me. I have sent an email to their VP of the Mortgage Modification department ... Nothing. I have left messages ... nothing except for automated calls telling me my mortgage is late! I just need help and information yet they are unwilling to even answer my questions. I have my emails, correspondence, timeline of all events and the stomach issues to prove how terribly upset I stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Data Breech No response. 
My personal email is constantly being hacked since Experian was breeched a long time ago. 
I am constantly getting robots and recorded messages. 
I have tried and tried to contact Experian. 
They offer no help and no recourse for their security breech issues. 
They will not talk to you on the phone. Experian has no options for security breech issues. 
I need some answers and there in no response for their security issues!/ I am constantly fighting off fraud alerts from my bank. 
The fraud attempts are less then they used to be. It all started when signed up for Experian Credit Monitoring services. 
What can I do to get a response or resolution form Experian?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting you this XXXX complaint today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), As the Credit reporting Agencies, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

need help with modification my bank is citi bank and they are not trying to help us after they said they would
Product: Student loan

Today I read about the lawsuit filed against XXXX/Navient. I am a borrower with several student loans with these companies, dating as far back as 2007. I have been the target of deceptive repayment practices, misalocation of bulk, one-time payments despite explicit instructions, and willful, frequent changes to my repayment structures without my knowledge. Please contact me with instructions on how I should proceed. And thank you for what you are doing.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of fraudulent accounts and inquiries on my credit report resulting from a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/2016 I was contacted by Freedom Mortgage and they offered my the option to refinance my home. The suggested that we go with the XXXX as the was a quick and easy process. Freedom Mortgage continued to state that they were missing information that was provided several different times. After acknowledging that they had received the correct information they then took over XXXX days to get a loan processor assigned. We XXXX months later we finally got to the final stages and I found out my current mortgage was transferred from XXXX to XXXX. I was primsed that the transfer would have no adverse affect to me during the XXXX day grace period. I ended up making my XX/XX/XXXX payment in XX/XX/XXXX as a result of the loan transfer. Freedom Mortgage is counting this as late payment and XXXX refuses to update my records to reflect that the payment was not late in accordance with the loan transfer law. We have tried to resolve this with each bank but both are claiming there is nothing that can be done. I contacted HUD and opened case # XXXX as they claim that FHA guidelines would not block with Refi under these circumstances. I am not in fear that I am going to lose out on my current locked interest rate with Freedom. Freedom has acknowledged their errors to me as well. I did not ask for my loan to be transferred and now I am being penalized as a result. Not to mention, if loan was processed within the time frame promised, I would be in this situation. I feel some of the practices on both Freedom Mortgage and XXXX Mortgage are unfair and deceptive
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing a letter because I saw wrong information on my credit record. I want you to reinvestigate and correct those incorrect data on my file. 
XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$500.00}
Product: Credit reporting or other personal consumer reports

This loan was paid off in full in XXXX of 2013. XXXX XXXX never closed the account, alleging we were issued a refund in an amount greater than what was owed. Why would they issue us a refund if we were paying the account in full? Regardless, we never received this alleged refund. This is corruption. XXXX acquired the loan and asserted we owed {$1000.00}, and now XXXX is asserting the same false claim. XXXX XXXX and XXXX were both revoked from servicing federal student loans due to misleading business practices. How long before XXXX suffers the same fate? Well, heres complaint number XXXX! They are attempting to service a loan that was paid off in full 11 years ago. Due to the extensive length of corruption from XXXX XXXX and XXXX, XXXX has now absorbed the same unethical, inappropriate practices that lost XXXX XXXX and XXXX this privilege. This is affecting my credit score, and I am extremely dissatisfied. XXXX is making false claims, and they failed to correct it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX Reference File # XXXX RE : CEASE AND DESIST To whom it XXXX concern XXXX TRANSWORLD SYSTEMS is a debt collector and XXXX has made it known in the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) that there is evidence of the use of abusive and unfair debt collection practices by many debt XXXX including XXXX TRANSWORLD SYSTEMS taking action on invading my personal privacy trying to harm my reputation of credit by furnishing such alleged debt to consumer reporting agencies. 
Upon receiving this notice. I demand you to CEASE AND DESIST further communication regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). XXXX TRANSWORLD SYSTEMS is confirmed an debt collector who failed to comply with the Fair Debt Collection Practice ( 15 USC 1692 ) may be held not only civilly but criminally liable for any damage sustained in your attempt to extort me if you violate the CEASE AND DESIST. 

I DECLARE UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE XXXX THAT FOREGOING IS TRUE AND CORRECT ( XXXX XXXX XXXX ) Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with Flagshit credit acceptance llc to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX  months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and flagship doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all 3 bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.
Product: Credit card

I've had a credit card with Capital One for a few years now. I was always up to date with my payments until unfortunately I had a period of financial hardship. I would call Capital one to ask for an extension and was told nothing could be done. I began just sending what I could. I would call customer service to explain my situation but payments were all being marked as late. Once I got back on track financially I began sending way more than the minimum payment. Sometimes making a large payment per week. 

I once again called customer service to inquire about these late payments on my credit report, informing them about my situation, how this negative late payments are affecting my credit. I couldn't qualify for the house I wanted. And now It's getting difficult to rent another home. However the answer was always " there is nothing we can do, we can not remove any negative late payments from your credit report '.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent EXPERIAN a dispute letter on behalf of four total accounts XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 




EXPERIAN only investigated 2 of the accounts ( XXXX and XXXX XXXX XXXX ) .Somehow they removed the other 2 accounts without an proper update. They lied and stated the accounts were not listed but I have before and after documentation that the accounts were listed. They had XXXX XXXX XXXX listed as a duplicate account with the same balance due on each account which is an error on there end. This is why they tried to sneak and remove the account and falsely say the account was not listed on my consumer report.