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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

It has been reported on my credit reports that I have an account with Capital One bank that is not my account. I received a letter from Capital One bank stating that they purchased the account from XXXX and that this is my account. I contacted Capital One Bank again today online and when asked to verify my birth date they stated that was not the birth date on my account. The reason is because this is not my account. I have previously had accounts with Capital One that have been paid ans closed. I never had an account with XXXX. This is not my account and I would like this information removed from my credit report asap.
Product: Debt collection

Portfolio Recovery Associates bought an old credit card debt and have called repeatedly, despite me telling them to cease and decist. They have ruined my credit with reporting a collections debt and they have sent threatening letters
Product: Student loan

EdFinancial Services is the current student loan servicer. I completed my last eligible payments for PSLF. I sent in the PSLF certification application forms to the address that XXXX told me to send them to about three months ago. I've heard nothing since. I called XXXX today, but they told me they hadn't received this packet I'd mailed, and that my best bet is to fax the forms in. I am concerned about ensuring my law school debt is forgiven prior to the change in administration and am seeking the CFPB 's supervisory authority over my servicer to ensure my PSLF certification application is timely processed. There are several COVID-era payments that are not showing up as counting towards my total number of eligible payments for PSLF, and I would also like that issue rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because Equifax let XXXX XXXX ( including my own ) social security numbers out into the wild, there should be a 1 year reprieve on the cost to freeze/thaw credit. I had no choices in picking the credit bureaus so now I should not have to pay because XXXX of them made a giant blunder.
Product: Debt collection

I had Identity Theft on XXXX XXXX whit US BANK in WA. someone start usying my bank acc. online. Frauds people get access to all my accounts like personal and business. I close accounts and opened new one. Banker sad it will be all good. But few days later find out some one use accoute again. I did it several times, and in same time I didnt use online bank, only branch. All this didnt help in my situation. Fraud people had my SSN, address, phone number and my date of birth, and all other info to verafite them self like my. I had tons of equires on credit report. Even up to ten aplication for credit in US BANK, and they ready knows about my situation. Finaly Im stop using US BANK and close all accounts, how I was thinking. I did claims whit banker in branch. It was many of claims, I didnt even count them. Get approvals on claims and some checks for it. I brought all check in same branch and whit banker deposited by accounts what they for. All this in XXXX XXXX. I know, I should have some left balance on some account, like my business credit card. We finded out Two balances left. Its my business credit card and PRIMIER LINE, that how they calling credit line attached to checking account. MIDDLE XXXX XXXX. In middle of XXXX XXXX I paid off balance on PRIMIER LINE About {$2700.00}. and keep paying for mu business credit card. Each mount i get statement for business card, but NON ONE for PRIMIER LINE. I think that was close and done. On XXXX XXXX trying to pay off my business in branch, finded out I HAVE a balance on my PRIMIER LINE  abour {$450000.00} and some late fee. From XXXX to XXXX nonone contact me and they had my info, because still own them on my business card. Banker of branch in XXXX, WA tryed help me. But nothing happened. Than manager get in charge. He called to his Boss about my claim and get refuse. Again all that situation come back to me. I did baches of calls to Customer service, just spend hours of my life for nothing. They just transfer and transfer you around and non of them can help, dont have access or power to look and talk about. Sins XXXX to XXXX XXXX XXXX i didnt get ANY letter about progress of investigation or review on my account or case. They spend a time on words. Now that account under collection. When I asked BANK to get me a proof of investigation and result on official paper, they dejected and refused. No explanation. Please help me to review all my accounts and find out where and how was formed balance on PRIMIER LINE. Need to review and investigate all accounts what was Frauded, because they was connected to each other on Online banking and been compromised. I hope you can help me to find the TRUTH. Thank you
Product: Debt collection

I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Payday loan, title loan, or personal loan

I took out a loan for XXXX. Ive been paying this loan faithfully every month of XXXX any the loan isnt moving downward. It still states I owe XXXX. Actually it states I owe more. Ive never heard of a loan that increases every month. This is robbery at its finest. I will be paying back 3 times the amount of loan
Product: Debt or credit management

I my name is XXXX XXXX XXXX XXXX ) and I was a client with Lexington Law since 2017 and beyond they had a settlement regarding fees that they were charging clients and sent out checks but I did not receive one at the time my last name was different and Lexington Law spelled my first name wrong ( XXXX XXXX ) ( XXXX XXXX ) I signed up with this company several times I have emails that was sent to me regarding updates on my credit report going back 2017 and my client number was ( XXXX ) I used 2 different email : XXXX and XXXX and when I called Lexington Law they stated it was another client with the same issue as me so can someone look into this and reach out to me regarding this matter. 

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

Lexis Nexis is giving insurance company false information about my driving record and claims. XXXX XXXX, XXXX and other insurance company has give me quote and reason perium is higher is because of Lexis Nexis false report stating I have violation. I have never had a violation. I ask Lexis Nexis to remove this incorrect information, I was told it was remove but every time I get a new quote the same incorrect information from Lexis Nexis. I call them again was put on hold and no one answered or when the did answer phone worker hang up phone. I have made a report to department of financial services case number XXXX. Department of financial services said  the do not regulate Lexis Nexis and I show write them a letter. This is my last option. I have this problem more than 1 years now.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX XXXX # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an 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: Credit reporting or other personal consumer reports

XXXX - XXXX Last updated XX/XX/XXXX Balance {$530.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$170.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number XXXX Remarks Placed for collection XXXX XXXX XXXXXXXX Last updated XX/XX/XXXX Balance {$650.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment - Original Creditor XXXX XXXXXXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone Number XXXXXXXX XXXX XXXX  XXXX XXXX Credit Limit Current Balance {$300.00} {$470.00} Credit Utilization XXXX XXXX Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXX - XXXX Credit Limit Current Balance {$0.00} {$1300.00} Credit Utilization XXXX XXXX Account Type : Account Status : Open XXXX XXXX XXXX XXXXccount Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Limit Current Balance {$20000.00} {$24000.00} Credit Utilization XXXX XXXX Account Type : Account Status : Open Since : Last Account Activity : Flexible spending credit card Closed XX/XX/XXXX XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX Reported on : XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX Reported on : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized by me and are unrelated to my financial activities. I request their immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

I purchased items XX/XX/XXXX from Kohl 's in XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I realized that the items where not in the bag. I called the store on XX/XX/XXXX to let them know that I was missing items. I spoke with the store manager and he said that the items where at the store and that they would get them credited back to my Kohl 's card. I called Kohl 's when I returned to check if the missing items were returned to my card. The assistant store manager told me that they were credited back to my card and that if the credit didn't show didn't show up by the end of the Statement closing period XX/XX/XXXX that the total I was not to paid was {$100.00}. I made a payment of {$200.00} on XX/XX/XXXX to bring the account to the {$100.00}. I called XXXX store along with Kohl 's customer service to find out what was the hold up on the credit. Both sources informed that they were working on the credit and that once it hit it would be a XXXX balance. XX/XX/XXXX the credit was still not on the card. I called XXXX store again and was told that it was being held up on the credit card side. I called Customer Service again and explained what I was told and that I didn't feel I should have to pay a late fee since I was told for the last 4 months that the credit I never made another purchase on this card after XX/XX/XXXX. I kept calling XXXX, XXXX, XXXX and they kept waiving the late fee 's, which if they really believed these were late fee 's due to me not paying my bill why would you refund them all? In XXXX I was finally able to get ahold of someone who was willing to look at everything with me. She seen that there was never a credit made to my account in XXXX nor XXXX for the missing items. According to the letter from Kohls ' this was a courtesy that they would put in for {$150.00} refund on late fees, and a store credit of {$91.00} which was later changed to a {$51.00} credit. I was mailed a check for {$37.00} which why would you mail me a check if I was really late? This has affected my credit and took it down XXXX points plus reports that these were all late fee 's. There would not have been a balance as of XX/XX/XXXX if the credit would have been applied. I have talked with the Attorney General of MN and they said that this source would be best to reach out to as Kohl 's feels that there was nothing wrong with this and that the payments were late even though the credit that should have been on the XXXX statement at the latest wasn't applied to my account until XX/XX/XXXX. I am begging for help with this.
Product: Debt collection

I received a phone call this morning at XXXX regarding payment on our mortgage, which had already been made the previous day. I had advised a representative on XXXX/XXXX/16 of the payment and gave the confirmation number. I still received a phone call today at XXXX regarding this month 's payment.
Product: Debt collection

XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  Social Security Number : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX. 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

This issue began back in XXXX of XXXX when I received a notification that my monthly payment had increased due to a over payment in property taxes that had due to a solar program loan ( HERO ) that was paid off during a refinance transaction with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I phoned Flagstar to let them know about the overpayment of property taxes in XX/XX/XXXX. I forward a copy of the revised tax statement for XXXX. They were to make the adjustment to my mortgage payment once the County of XXXX had refunded Flagstar ( {$1300.00} ). I contacted the county of XXXX  in XX/XX/XXXX and was told that Flagstar had received the refund. I then called Flagstar to verify the receipt of the refund ( {$1300.00} ) in XX/XX/XXXX. I was then told by a representative in the tax department that the refund had been credited back to my escrow account but I could not see that on XXXX, internet account and for some reason an analysis of my escrow account now would have to be done before I could possibly receive a refund ( that was two weeks ago ). I want to make sure that Flagstar keeps their word to notify me in writing what the new mortgage adjustment will be for XXXX 's mortgage statement and what amount of the refund will be returned to me. Flagstar has weak communications when changes have been made to the consumer 's loan account mostly their on-line payment system and poor and inaccurate loan information updates.
Product: Mortgage

I filed documents with ocwen showin evidence of a Equity trust they have me in which is a Pooling service. 

Ocwen states there are several mortgage in the PSA and Equity is just a name. The issue I have with this is my loan is a conventional Loan the word Equity should not be associated with the PSA. It clearly states EQUITY TRUST. My Deed Clearly states it is not and EQUITY DEED. 

Next XXXX XXXX  is not even in my loan documents and they show them in the trust SEC as my Beneficary/ They show XXXX as a Beneficary which is not in my orginal deed. My orginal deed Beneficary Trust is XXXX as listed in the deed Next The cut off date as in the SEC Report shows From XX/XX/XXXX-XX/XX/XXXXI would like to know how my loan was put in this PSA. I closed on my loan XX/XX/XXXX. The trustee at the time was Mortgageit not XXXX XXXX please explain? 

The law states no new instruments can be added to a trust once close please explain how it is possible for Ocwen transfers that are past the trust date XX/XX/XXXX-XX/XX/XXXX. Ocwne do not know about the orginator of the loan per to you the CFPB that means a broken chain of command in title.Please explain? 

Explain how Ocwen is doing a Non-Judicial forecloser when it clearly shows they accelerated the loan in XX/XX/XXXX which is pass texas law for non-judicial foreclosure document attached showing Ocwen is now duel tracking I sent a modification pack within the seven days per law they are to stop the foreclosure while in review. Ocwen is reviewing and has the sale date still on the property. This is illegal. 

I also want to know why Ocwen lied to the CFPB and sent fake documents showing the loan was accelerated in XX/XX/XXXX when in fact as the document I provided shows XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I recently made a credit report and I'm looking at a lot of incorrect information from the XXXX XXXX XXXX XXXX report that is seriously affecting my credit. I ask for an investigation so that it can be corrected and deleted from my credit report as soon as possible.