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

I want to inform the Credit Bureaus ONCE AGAIN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had several issues with this company. When my mortgage was transferred to this company there was suddenly a discrepancy in the escrow and tax that was never an issue with the previous 3 companies. My payment went up significantly and I was given the option to refinance. I did that process 3 times and each time I was told there was nothing to close only for it to change multiple time every single time. There has been a reoccurring issue with communication between the departments. On one occasion i was told 5 diffrent things in a single day and thought the appt was set up to close. On the day of i find out that it was noted on the account but never entered in the system. At this point after trying to fix it i asked to file a complaint and was told to call in to the legal department only to be told there is no legal department and they refused to give me the information for corporate. I found it on my on and called and was hung up on several times. No can answer for all the issues with the escrow or for the issues for closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/XXXX a letter was delivered certified mail asking creditor to verify late payments on a joint account. Thirty-one days later after retaining a new copy of credit report, I notified the company they did not contact credit bureaus to have account marked as disputed violating state and federal laws, FCRA section 623 ( a ) ( 3 ) & FDCPA section 807 ( 8 ). On XX/XX/XXXX I received a response from the creditor stating account was verified with no documentation showing so. On Monday, XX/XX/XXXX they received another letter delivered certified mail of all the laws violated by the company and their response was send them any and all documentation I have regarding account.
Product: Debt collection

XXXX -The debt was for an unpaid balance for a credit card. The original creditor charged off the debt, closed the account and reported to the credit bureaus, which has affected my credit scores. Portfolio Recovery is a XXXX party vendor who is trying to collect the debt from me. I filed a complaint through XXXX XXXX to dispute the debt and Portfolio is still trying to collect the debt per my credit report. I have not received a bill or communication to pay this third party vendor. Portfolio Recovery is a XXXX party vendor who bought my debt and says I owe {$4700.00} according to XXXX XXXX. I want to see the application that I signed, that I owe this money to Portfolio. I do not have and never signed a application with Portfolio Recovery. The original debtor charged off this debt and I had to claim it as income on my taxes in XXXX. This debt does not exist any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan serviced by Aidvantage years ago. I had it set on autopay and they still reported melate. I tried to resolve it with them in 2015 and they never fixed the issue. They instead reported latepayments and reported it as a collection. 

I submitted a claim to the CFPB already claim # XXXX. 

Aidvantage replied to the CFPB saying they would remove it from my credit report in XXXX and they still have not removed it. 

Interest rates have been going on on home mortgages and I can pursue the company for financial distress since it is impacting my credit score and rate.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my ongoing dispute regarding unverified negative items on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX  XXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.
Product: Credit reporting or other personal consumer reports

Im unaware of this debt. I didnt have the opportunity to dispute this information. If in fact if you believe you gave me proper notification, then please send me the certified receipt with my name.
Product: Student loan

Student loan has been paid for years and now that XXXX sold or was acquired by Mohela, they are contacting me telling me there is a XXXX dollar balance that simply does not exist. 

My credit was XXXX until they started their games. Should be compensated for the issue. It's ridiculous.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint and formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Hence, I am seeking an immediate assistance from you to correct these following late open 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
Product: Mortgage

Company will not remove PMI in a timely manner even after being forced personally to file a request for PMI removal. The home reassessment from the town has been provided even though this should have been automatic since the the owed balance is less than 75 % of the home value. This has resulted in me paying three months of PMI for nothing and the company will do nothing about it. 

Also, The mortgage company has not provided a reassessment of my escrow amount. I have had to ask 5 times for revision and on the final time they somehow reduced escrow even with the increase in taxes and this being new construction and previously being assessed as land only. I now have to manage my own separate account for escrow and have already been sent a supplemental tax bill from the town that I had to pay directly. 

Company is unresponsive, the website doesn't work properly ( today I couldn't pay my mortgage payment for over an hour due to website errors ), and customer service is rude, confused, and uninformed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXX/XX/XXXX Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Transworld System Inc., I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and requires correction. 
Account Information : - Account Number : XXXX - Creditor XXXX XXXX XXXX XXXX XXXX Date of Reporting : XX/XX/XXXXXXXX XXXX XXXX XXXX  Amount : {$680.00} I discovered that the above-mentioned account is incorrectly reported as open account on my credit report. 
To support my dispute, I am requesting the Purchase Agreement dated between myself and XXXX XXXX which outlines the terms regarding the ownership and status of this debt. Also an original contract with signature. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I request that you investigate this matter and correct my credit report accordingly. Please provide me with written confirmation of your findings and any actions taken in response to my dispute. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX Box XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company Mr. Cooper Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Like many Californians I received a non-renewal notice for my homeowner 's insurance. I was miraculously able to quickly find another homeowner 's policy, rather than being forced into California Fair Plan and the inadequate coverage they offer. I have an impounded escrow account and rather than lose the offered policy waiting for my mortgage company to pay, I paid the premium myself. I asked my mortgage company to reimburse me for my insurance premium of {$980.00} on XXXX XXXX, 2019, with documentation including my insurance declarations page and receipt showing paid in full, and received no response to my correspondence. So on XX/XX/, 2019 I sent a RESPA request for my monies. I included all documentation again. This response was received by my mortgage company on XXXX XXXX, 2019. I received a response from them on XXXX XXXX, 2019 promising an answer by XXXX XXXX, 2019, and again nothing. I am attaching all documentation that I have provided them. Could you please help me get my insurance premium refunded to me which they have been holding in my escrow account. Thank you in advance for your help with this matter. 
XXXX XXXX
Product: Mortgage

After years loan modification has damaged our credit, we have been stressed out, and we got XXXX time trail modification. We paid XXXX XXXX XXXX modification from XX/XX/XXXX- through XX/XX/XXXX with all hope and Affordability modification but after all payment SELECT PORTFOLIO SERVICING INC collected approximately {$34000.00}. We have not received affordable modification and, we believed they are violated the California law because they collected the money after 5 years expired statue limitation, my Account due date start XX/XX/XXXX. We did not receive an offer for the modification ; They did not increase the term, did not forgiveness,, did not principal reduction, and did not lower any payments. 
The SPS collected the money after California statue expired we have requested again after one year we received a new trial modification on XX/XX/XXXX and we have have to pay 3 month trail modification again, they will not increase the term, not give us forgiveness, not give us a principal reduction, or give us lower payments. Select portfolio servicing collect the money by new trick and never reduce the Affordability modification.
Product: Mortgage

I lost my job of 6 years on XX/XX/2016. I contacted my mortgage lender, Pacific Union Financial to discuss options. I applied for the loss mitigation almost immediately. After being contacted by Pacific Union a few times for clarification on some of the multiple documents that were requested of me to prove my current situation, I eventually received confirmation from Pacific Union that my loss mitigation package was complete on XX/XX/2016. They communicated to me that it would take 30 to 45 days to review and make a decision on my loss mitigation approval. 
It has been 66 days with no update on my loss mitigation approval. When I called yesterday I was told there are no guarantees.. 
I continue to receive loss mitigation paperwork in the mail from Pacific Union Financial advising me of the very option I applied for over 3 months ago. I 'm finding the entire process and lack of communication completely unacceptable. I need an answer and should have had one by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but XXXX never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped 30 something points because of this. then dropped an addition 21 points and XXXX can't explain what happen.
Product: Debt collection

Today XX/XX/year> I checked my credit and saw that this collection is on my account.I have no recollection of getting any letter notifying me of this debt.I don't know this company.
Product: Debt collection

I dispute the failure of compliance with the law regarding the reporting of fraudulent accounts on my credit report. Despite bank confirmation and assurances to remove the accounts, they remain. Other bureaus have removed them. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX XXXX BALANCED {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCED {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCED {$120.00}
Product: Debt collection

Calling repeatedly after I have told them to stop. Sending mail correspondence after telling them to stop. I 'm currently disputing the charges they call about with the company themselves that hired them. This collection is unwarranted.
Product: Student loan

Hi, I 've been providing instructions to Navient about how I want overpayments that I 've been sending applied but they have not been honoring my requests. I recently downloaded and submitted the form from the CFPB article " Stop Getting Sidetracked by your Student Loan Servicer '' and the only response I received was a form letter telling me how Navient applies overpayments ( the only sentence in the letter that even seems to match my request to have overpayments applied first to higher interest loans, then to loans with lowest balance, etc seems to be " Once all loans are current, the payment will go to each loan in the billing group, prorated according to its monthly payment amount, or a lesser amount if some of the the monthly payment amount has previously been paid '' ). 

I would really like to be able to pay off my highest interest rate loan first, but Navient does not seem to allow this, and does not even seem to be responding clearly to my request. 

My account is in good standing ( loans from XX/XX/XXXX-XX/XX/XXXX, and I have never had a late payment ). I have XXXX FFELP loans and XXXX PLUS loan, with interest rates ranging from 5.8 % to 8.4 %. The loans were taken out from XXXX ( which had much better customer service ) and sadly were purchased by Navient a number of years ago ; had I known this would happen I would have chosen a different provider at the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

My name is XXXXXXXX XXXX.I am an XXXXXXXX XXXX and i have been with XXXX for more than 6years. 
In XXXX i got a SBA LOAN and i was approved as an Independent contractor.The funds was deposited in my checking account with Citibank, i used some for utility bills that i had pending because of the pandemic [ COVID 19 ] then i transferred the remaining money to my savings account which is also with Citibank. 
A couple of days later i realized that my savings and checking accounts has been frozen without prior notification, i immediately contacted Citibank in regard to the accounts and they said they were investigating. 
After a year and half i was contacted by the attorney general that Citibank has released the funds in my checking account and the money was given to me in XXXX. 
I contacted Citibank after that to ask them about the funds in my savings account and they responded that they had returned it to SBA LOAN, I called the SBA OFFICE to be sure they had gotten the money but they said they did not receive any money from Citibank. 
By XX/XX/XXXX i am expected to start my loan repayment which is the problems i have now because i didnt even get to use the money. 
I would really appreciate your help in looking into this matter as i am so helpless and troubled right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.