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

I am writing to delete the following information in my file, the items i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commission identity theft affidavit. However, I request that you remove these items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XXXX  ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

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Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX, Texas XXXX DISPUTING AND REQUESTING VALIDATION OF THE FOLLOWING : XXXX ACCOUNT # XXXX LATE PAYMENT REPORTED XXXX  ACCOUNT # XXXX BALANCE {$1500.00} XXXX  XXXX ACCOUNT XXXX BALANCE {$270.00} US DEPARTMENT OF EDU XXXX BALANCE {$97.00} 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

Aggravated identity theft 18 USC 1028A establishes the offense of aggravated identity theft. It prohibits the use of identifying information belonging to another person in connection with certain federal offenses or terrorism offenses. Enhanced prison sentences apply if identity theft relates to certain aggravating situations COLLECTION AMOUNTS NOT ACCURATE, INVALID AND REPORTING INACCURATE INFORMATION.
Product: Student loan

1 - Since XX/XX/XXXX I submitted and updated PSLF/TEPSL Form to update my " eligible Qualifying '' payments and Fedloan has repeatedly refused to update my total payments. On the submitted form, Question 8 asked is your employer a government organization and I answered " Yes '' and the form states if " Yes '', skip questions XXXX, If " No '' complete XXXX. My employer has certified the form and I have re-submitted four times since XX/XX/XXXX and my information has not been updated. 
2- Also, 6 payments made, I have been told are not " qualifying payments '' and don't understand why. 
3 - Fedloan has refused to give me appropriate access to select which loan I want to make payment on. I have two loans and on the smaller loan, I am now making principal payments only. When I go to the website, it doesn't allow me to select the loan I want to pay on and I have repeatedly asked for this access so every month, I have to haggle with them to re-apply the payment made to the appropriate account. 
4. My XXXX, XXXX payment made was not included in my total " qualifying payments '', I am just getting the run around on this. 
4- Lastly, the customer service provided is terrible. I am getting confusing instructions on what to do regarding all of the above.
Product: Mortgage

XX/XX/2017 I was informed that my HELOC interest rate would be changing monthly. This is not the correct term of the loan. my rate is tied to prime is to to change annually in XX/XX/XXXX. I have called several times and they tell me that the research they did does not show that it is tied to the prime annually. It is very clear on the recorded mortgage that it is tied to prime annually. Also, the max rate is not 18 %. That needs to be looked into also. 

In XXXX I spoke to someone again and they said yes the loan has been set up in the system wrong and it is only supposed to change annually not monthly. We also talked about the affect the hurricane had on me making the payments. She was going to see if they could move the payments to the end of the loan and check on getting the loan terms corrected in the system. I never received a phone call or any documentation in the mail stating that the research had been done, rate change was fixed and a credit given for any overages, and no solution about the hardship during hurricane irma ( 2017 ). 

I continue to get past due letters. I am on a fixed income and am approaching XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2025 I was hacked on XXXX and two separate social media accounts. Sometime within a two hour time frame three separate transactions were taken out of my checking account and deposited into this Revolut account that I didnt open. By the time I was able to get back into my XXXX account and get logged into Revoluts app {$500.00} was gone. I filed a fraud claim with Revolut and they denied the claim within 20 minutes, no investigation was done at all and they refuse to cancel the deposits, the account and refuse to answer any questions I have and state that they apologize for any frustration but are not able to offer any further assistance
Product: Credit reporting or other personal consumer reports

On XX/XX/2013, XXXX the balanced of {$2300.00} the original creditor is XXXX XXXX XXXX, I took a look at my credit report and noticed inaccuracies on my credit report.I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also stated to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation.I also stated to please mail me the proof of your investigation and proof that this debt or deleted account within 30 days.
Product: Mortgage

Ditech states I received a modification in XXXX this is not correct. I recceived a modification that started in XXXX and was completed in XXXX. Their records are not correct. But this is typical. If they were at all families with the modification process they would know mortgage modification is a long drawn out process for which XXXX XXXX XXXX would never have allowed nor is it permitted to have two modifications in a years time. It 's outside of the defined modification guidelines if Ditech knew what the protocol is for mortgage modification which they obviously do n't. I will forward the information to the Kansas Attorney General. Ditech needs to be educated on the modification guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a XXXX XXXX finance by XXXX XXXX, the vehicle was paid off XX/XX/XXXX, however I receive a late payment on my credit report XX/XX/XXXX in the amount of XXXX, I contact the finance company by phone and email and spoke with XXXX XXXX, she advised me to dispute the information back in XXXX so I contact Experian to dispute the information I speak with a representative and explain to them what happened and what I was told by XXXX XXXX which was Experian has access to their customer accounts and they pulled the wrong information XXXX didn't report it, which I feel should be illegal Experian shouldn't be able to just go in and look into consumer accounts I sign documents stating I didn't want my information shared, I agree to have XXXX  to report but not having my information open and readily available for a XXXX party to review when ever they want. After speaking. with Experian and they representative telling me they didn't just go into the system and pull the information it was reported by the finance company, I advised the representative that I need to dispute this information it need to be corrected this XXXX payment caused my score to drop XXXX points not XXXX but XXXX points. This was all in XXXX nothing happen, I email XXXX XXXX and asked if should could update my report showing the vehicle paid off she practically told me that I didn't do what she told me to that's why it hasn't been corrected, I tried to tell this XXXX lady that I did and have contacted them XXXX times, she kept saying that I needed to go to the website and dispute it that I can't dispute over the phone, I'm guessing that's the only way she knows how to dispute items, I said I had to call them I couldn't do it over the web she became very rude even threatening she stated I was calling her a liar because I disagreed with what she said and proceeds to tell me to come up there and say it in her face, this is an XXXX woman by the sound of her voice, so I'm appalled that she's so unprofessional and now its XXXX and I'm still showing a past due payment and a balance over {$18000.00} dollars and this is after I've purchased another vehicle in the amount of XXXX I only purchased again because of XXXX and the XXXX team they are some very good people. XXXX XXXX needs a class in customer service I have attached all emails between her and myself as well as myself and XXXX regarding putting the balance after the XXXX of the vehicle on the end of the new vehicle which was XXXX
Product: Debt collection

I have received several fictitious attempts from several companies attempting to illegally collect debt, and I believe Resurgent in another such company. 

I received a collection letter from Resurgent Capital Services regarding a debt. 

Via certified XXXX mail, I requested validation of the debt. 

The only items Resurgent replied with was computer generated invoice type paperwork, and never provided competent proof or evidence that I had any contractual obligation to provide payment to Resurgent.
Product: Checking or savings account

Theres a hard inquiry that I dont recognize on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Early Warning Services is reporting inaccurate information to my consumer report.
Product: Student loan

I was paying $ XXXX for my student loan. Then the government put it on pause. When the pause was lifted, they raised my monthly payment to $ XXXXmonth. I have tried calling several times and am on hold for hours. I finally did reach someone who transferred my call to her manager but I was then again on hold for hours. Please advise what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this XXXX round CFPB to complaint of the same thing over and over again. I am submitting this CFPB Complaint as a response to the Credit Bureaus recent investigation on my Credit File. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking you for more information regarding these particular items in question. I took the liberty to investigate my own Credit file and took note of two things : 1 ) the Credit Bureaus still report the disputed accounts as late despite the fact that I never missed a single payment ; and 2 ) there are accounts that are reporting on some Credit Bureau that have already been updated or was never late in the other credit Bureaus. The Credit Bureaus are not reporting accurate information on my Credit File, which is a clear violation of a consumer 's rights under the Fair Credit reporting act. I am now requesting once again to please investigate the following accounts and correct the information they report on my Credit File : XXXX XXXXXXXX XXXX  XXXX XXXX Opened XX/XX/2021 Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance {$720.00}
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on the account listed as XXXX/DOFED there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.
Product: Debt collection

Being sued by debt collector XXXX XXXX for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XXXX or XXXX. My husband and I filed bankruptcy due to an auto accident in XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company capital one started reporting on my credit report that I opened said account in XXXX. Yet I never had attempted to open any credit account in XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened an account around XXXX, XXXX. They are reporting a balance of {$3700.00} on my credit. They have a company called XXXX XXXX collecting. 

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I XXXX XXXX XXXX have requested two times that the information from XXXX XXXX or XXXX be removed from my credit report since I did not authorize or open any accounts with your agency. Therefore, Im requesting XXXX XXXX to cease and desist all contact methods and to send me a debt validation letter. I have frozen my credit report and report it the fraudulent account to all credit bureaus and also I report it to identity theft. Some of the laws you XXXXay be subject to are as follows : 18 U.S. C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate credit reporting by the XXXX credit bureaus on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported, but my credit report contains errors that have not been corrected despite my efforts to dispute them. 

ACCOUNT NAMES ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) INNACURACY : EXPERIAN XXXX EXQUIFAX , AND TRANSUINION INNACRUATLY REPORTING DELIQUENT PAYMENTS AND CLOSING AND ACTIVITY DATES
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name it shows on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX. They were added to my report and they didn't send me any notification. I tried disputing this with experian and they never removed them from my report. Experian allowed this company to remain on my report after the dispute and I wasn't properly notified by mail. I found out about this after it was added to my report. I attached the notification received and the copy of the dispute results without any notification still being sent to me. this isn't right and this company needs to be deleted. This violated my right to dispute.
Product: Credit reporting or other personal consumer reports

Frontline asset strategi is attempting to collect on a XXXX XXXX and XXXX and XXXX are all in violation of 15 uscode 6802 the gramm leach bliley act
Product: Credit reporting or other personal consumer reports

XX/XX/24 paid {$35.00} minimum XX/XX/24 paid {$35.00} minimum for XX/XX/24 on accident but they wont allocate which Im not concerned about. However They reported my XX/XX/XXXX payment as 30 days late and I Paid XX/XX/24 {$700.00} before 30 days so how is it 30 days late. They told me if my bill is due XX/XX/XXXX and statement closes XX/XX/XXXX then if I paid XX/XX/XXXX they WILL report it 30 days late but that is in fact only 4 days past due Paid XXXX was all set till XX/XX/XXXX and I paid 14 days late so Im lost at how they report saying based off the statement date and not the due date but even then Im not 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  2016  ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE . Experian and   XXXX    refused to freeze my credit per OREGON LAW.
Product: Checking or savings account

Last week I paid Kraken XXXX dollars for XXXX XXXX coin. Without even giving me a reason, they cancelled my account and still have not refunded me my money. This is not right. This is fraud. So Kraken cancels my account and they also keep my money! XXXX  XXXX XXXX has been none too helpful in getting my money back. Kraken representatives are not helpful. 

I implore you to thoroughly research this company Kraken. How many more elderly women like me are they defrauding? 

My email address associated with this account is XXXX XXXX
Product: Credit card or prepaid card

Paying bill on time through my banks bill pay. Company Not processing payments in a timely manner once they are received. Charging {$35.00} late fees. Customer service representative barely speak english and would not reverse late fee. Demanded i make payments over phone and insisted on me making another payment, even though one was not due for another 22 days.
Product: Credit card or prepaid card

Status of this dispute can not get a hold of executive office
Product: Debt collection

Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim. 

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX ) These accounts need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$4600.00}