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

XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$1900.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6400.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1600.00} Account Name : XXXX : Account Number : XXXX XXXX : Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$21000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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: Mortgage

I have a foreclosure sale date scheduled for XX/XX/2018. I had submitted my offer to the bank for a short sale. When i phoned my lender they stated that i can submit the offer if i want to, but they doubt if they will be able to review it in time to postpone the foreclosure sale. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal. A fair resolution to me, would be for the bank to consider my offer and accept it so that i can move forward with my life. I am stressed out and worried over being put out of my home, but i know that this is my situation and i am trying to bring it to a reasonable resolution.
Product: Debt collection

on XXXX/XXXX/2015, I filed an dispute with XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .XXXX sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Product: Credit reporting

I have inquiries on my credit report that do not belong to me- XXXX, XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX
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 corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with US DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

US DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, you wrote on my credit report ( about my credit card, XXXX  XXXX ) that on XX/XX/XXXX and XX/XX/XXXX, I didn't pay XXXX  XXXX on time. This is your mistake, and I have always paid all of my payments on time. Attached is a letter from XXXX XXXX, that you made a mistake and that I did pay on time for both of those dates. Please fix this immediately my payment history with XXXX XXXX.
Product: Student loan

Account showed up as disabled in XXXX. Attempted to call office and stayed on hold for 2 hour until offices closed for the day. Emailed requesting access and explaining I had an error 100 code notes on the disabled account. Replies to email were sent to account, which was disabled. Attempted to call again and no response. Called again and after waiting an hour and troubleshooting with representative she was unable to allow me access to the account. She deleted the account and asked I reregister. When reregistering did not work she said her supervisor said she was not supposed to have deleted the account and that I would have to call back. I asked for an extension for payment due date in the meantime while this was being held and they insisted I had to call back.
Product: Debt collection

I dont believe the debt on my credit report is valid. Says open balance but never signed anything with them to open an account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.
Product: Credit reporting or other personal consumer reports

I noticed a debt collector XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX reported on my credit report on XX/XX/2023. I have no knowledge of this account. Someone has gained access to my social security number without my written consent to apply for anything in my name. Furthermore this debt collector XXXX XXXX XXXX has no license to collect any debt in the state of Georgia. Can you remove this collection off of my report or I will have to purse legal matters. 

15 U.S. Code 1681c2 - States to Block any 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.
Product: Credit card

XXXX, I went to the XXXX to get a XXXX XXXX XXXX, the exam and x-rays were free for first and new patients.that was done.The doctor did not do a thorough examination, an x-ray that needed to be done was not, because the machine was not working.The XXXX looked in my mouth and I was told I have XXXX XXXXXXXX, with no other explanation.I asked for my XXXX XXXX XXXX XXXX of XXXX, and was told to stop using XXXX XXXX to use brushes because i had XXXX XXXX.She said i needed XXXX XXXX, I assumed she meant the XXXX XXXX which was broken and to small to hold a XXXX or to be able to make a me a beautiful XXXX step was a consultation, to talk about a treatment plan, the cost, the services, and payment.the consultant did not discuss a treatment plan, payment or services that were available for personal payment or help with payments for services.I was told they needed to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they had to make it.I had to leave to get my grandson from school, so I asked could I come back.I did, after getting the XXXX XXXX XXXX XXXX, I returned to the consult, where I was shown models of partial XXXX and to pick whether I wanted flexible or the plastic which was less expensive, for what I thought would be temporary use.I chose the flexible, so he then shows me a paper with different payment months and asked me XXXX or XXXX, of payments, and said he could get me XXXX for credit so I wouldn't have to pay out of pocket.I had money, and XXXX but was told they didn't except XXXXThen I handed the phone to speak too a lady for permission to pull my credit because I had a lock on it for identity theft.I agreed, ,and in about XXXX, he said I was approved by carecredit for XXXXStill had not told anything about what treatment plan or the cost. Gave me an account number, and said I would receive my card in the mail. scheduled me appointment for the following week XXXX XXXX to come in and get my XXXX XXXXXXXXI got my card in XXXX, and returned for my appointment and immediately had to slide the card for payment before anything was done. after that I setup my account and tried to use the account number he had written down, and it was not recognized, when I did get the account setup I saw the charges and they did not match what I had on paper.I was not happy with the temporary XXXX XXXX and tried to email him from the information he provided on his card, and the information was not recognized.I went in to talk to him and he said the papers were not correct, those charges were not right and not to worry
Product: Checking or savings account

I deposited XXXX into the bank, had it up for like 1-2 days, try to withdraw through XXXX they frooze my account, and every time I call they say, your account is under investigation, I will have to disconnect and they hang up on me, I have tried to access with everything I got, they are not helping at all
Product: Mortgage

XXXX XXXX notified me that my mortgage would be increasing by approximately {$700.00} per month. They reported the cause for the increase was to correct a significant deficit in my escrow account. They reported my account was {$5000.00} short. They report my loan originator is to blame for this. I can not afford such a significant increase in my mortgage. I now own the house and have to pick up a second job to cover the increase escrow estimate for next years taxes and the {$5000.00} shortage. Had nova not recklessly miss calculated my monthly payment I would not have purchased this house because it is outside of my budget with the correct tax calculation. My second job will have me away from home during weeknights and one Saturday a month. Nova home loans needs to make this right and correct their error by helping me recover from this and pay the {$5000.00}.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Payday loan, title loan, or personal loan

I'm being charged by Ygrene / XXXX XXXX, for work that was not done. No doors were ever installed on my property but I'm being billed for them and YGrene ( XXXX XXXX ) refuses to remove these items from my billing. 

I'm also being billed for 2 canceled contracts Ygrene contract # XXXX was not completed. Their contractor ( XXXX XXXX ) did not make me aware that the work was incomplete at the time he requested final approval for payment. 

No doors were ever installed. This was confirmed by the contractor himself, documented by their Ygrene representative and submitted for correction. However Ygrene refuses to correct this billing, siting time lapse. 

Also, charges for the two contracts XXXX and XXXX were cancelled and should be completely removed from my bill.
Product: Checking or savings account

I opened this account with Wells Fargo shortly after I moved to DC in XXXX to make it easier to withdraw cash because my XXXX XXXX XXXX XXXX card was not accepted at many ATMs in this area. The account I set up had no fees. Later that changed and so I attempted to close the account but was told that they would return the fees and stop charging. This happened a 2nd time but again they returned the fees and said that they would stop charging. Ive been very sick for the past couple of years suffering from XXXX XXXX and unable to manage my personal business the way I did in the past. But I learned that XXXX is once again charging fees! So I called but, unlike previous times, they did not offer to return the fees or stop them. I told the representative that I planned to file a complaint because I believe that this is deceptive and fraudulent and just plain wrong! Note : in reviewing my statements it appears that the monthly fees began being charged again back in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate account
Product: Debt collection

XXXX home phone services indicated that I obtained home phone service from XX/XX/XXXX through XX/XX/XXXX which is untrue. My building is and has always been wired to only XXXX services since the opening of XXXX. I have contacted the XXXX in regards to this matter of this debt collection that is not mine and I provided bills within that time period indicating I have had XXXX   since XX/XX/XXXX and I have also provided ample documentation from my landlord stating XXXX is the only wired service in this building and no other providers are allowed. The end result was that the case was closed on XXXX 's end due to the findings and documents provided on my behalf. Now I receive a different collection of debt letter from another agency, with another amount that is less than the original debt, with the same client account number. I am being harassed after going through this a time before and this is causing a disruption in my life especially when I didn't sign up for any XXXX XXXX  services. XXXX couldn't even verify an installation of services and there was no account or payment activity on the account.
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 XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a 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: Mortgage

I am writing to file a complaint with you about my mortgage lender ( loan depot ). They raised us almost {$600.00} a month for our FHA loan due to the fact that their companies merged and the new company wants 2 months in escrow. Weve had the mortgage for XXXX years now and this has never happened until they merged. We got the news right before the holidays. Ive requested to not have escrow but due to my loan I have to have it. Ive also asked to cut it up in lower payments and still nothing. We can barely afford our mortgage now never mind raising it even more. This is completely unethical and unwarranted especially with a government loan.We cant even get our person back on the phone again from them and have left numerous messages. Can someone please help. Thank you.