23daVinci/CFPB_Complaints huggingface dataset:
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. researched on how to remove the fraudulent accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$560.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau , and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State , or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Student loan

On XXXX XXXX, 2017, I contacted NelNet to inquire about the 6-month deferment lapsing and what my options were as I am still unemployed. I knew I qualified for an unemployment deferent [ UE ] and asked about it but was told I should NOT apply for the UE deferment because I was already on an Income Based RePayment [ IBR ] Plan for {$0.00} and the customer service rep. claimed this plan included " payment of all interest on subsidized loans and partial interest on unsubsidized loans '' so why would I want to apply for something worse than what I already have???? 

I asked for proof in writing of this interest payment and was treated to double talk. I asked for clarity on a number of thins some I got some I did not. I was in the end firmly advised against the UE deferment. 

When I finally found the document that showed the terms of my IBR it clearly states my interest is capitalized. Thus my need for a deferment and NelNet 's desire for my loans to accrue interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan early with a cashier 's check from XXXX that was deposited by XXXX to their XXXX XXXX account. XXXX is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided Experian with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.
Product: Debt collection

I have asked Client services on three separate occasions to provide me with debt verification, including : 1 ) the identity lf the original creditor 2 ) an Original copy of the contract between myself and he original creditor 3 ) the proper and legal assignment contract between the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor just buying debts for pennies on the dollar to collect illegally ) ; 4 ) proof you are licensed to collect debt in Colorado. 5 ) a line by line accounting of the original account ( transaction history, a full breakdown ) 6 ) proof that you the collection agency are in compliance within the statute of limitations for Colorado.

They just keep sending me copies of statement that shows no activity. They send statements of a charged off amount continually being charged more fees. I have asked them on 3 separate occasions to provide this or cease and desist from contacting me. I am still getting phone calls and mail.
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 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was a victim of a scam between XX/XX/2023 and XX/XX/2023 and during that time I reported my concerns to Venmo and my account was then frozen. I was asked to prove identity which I did in XXXX and then made one transaction to my XXXX XXXX XXXX company. My account was then suspended and I was told I violated the acceptable use policy I asked them how and nothing was said. I then filed a police report when I fully learned the scam I was a victim of on XX/XX/2023. The police told me to reach out to the companies I had used in the process and I did and now as a result they are stating I cant use Venmo. My family was not involved and my husband tried establishing an account and his account was then suspended as well and he was in no way involved. I want to establish a new account or have my husband be able to establish an account as we use this method to pay for our XXXX XXXX and its the only payment form used.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} XXXX Account charged off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX  XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX STATE XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Debt Amount : {$1900.00} Date opened XX/XX/2023 All of this above information is false, inaccurate and this is my second complaint. I have disclosed that I did not live at the residence the XXXX  account is associated with. The house was sold to XXXX and XXXX XXXX. I will be attaching the deed title to show proof. This debt belongs to the XXXX not XXXX. I have reached out to this company and they continue to state this is my debt and it is verified which is a LIE. 

I have not lived at that residence in years and this account is from XX/XX/XXXX of XXXX. This information, date, debt, address, is all false and incorrect. You are violating my fair credit report rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the FCRA to conduct a reasonable reinvestigation of disputed information by Credit report, leaving inaccurate or inverifiable account unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against experien alleging systemic issues such as failing to forward Consumer provided effiidencnce to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures aligned with my experience, where Experien has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm toy Credit standing.
Product: Mortgage

My father XXXX in 2009 and I assumed his mortgage loan thru Ocwen Loan Servicing, XXXX XXXX XXXX, FL XXXX, since I own the property. The statement have come in my name since the assumption but I notice that the last XXXX have been changed back into my father 's name. When I contact them, I am told that I am not authorized on the loan therefore they can not discuss anything with me. I have spoken with XXXX different individual. Only XXXX did a little research and found that the statements were coming in my name but would not explain why or how the account was put back into my father 's name. He also advised that he needed a couple of days to correct the mistake and would call back on last Friday. He told me not to call anyone else because XXXX or more people trying to handle the situation would only complicate things. I tried calling him back at the number he gave as his direct line but it goes straight to a voicemail. I have tried to speak with supervisors etc ... but was told they are busy or that I could write a letter to a XXXX for help. I asked for a number to the assumption dept but was told that I could not speak directly to that department, another thing that has changed since 2009. Please help with any assistance.
Product: Debt collection

I was helping XXXX XXXX XXXX account number : XXXX on her medical bills.On XX/XX/2019, I faxed to United Resource Systems ( fax number : XXXX ) citing fair debt collection practices act. I asked the company, among others, to stop collection effort and put the account on protest status. The company violated the law by calling Ms. XXXX and me repeatedly. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section XXXX ( XXXX XXXX. XXXX ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Mortgage

On XX/XX/XXXX We made a payment as always to our mortgage company SWBC Mortgage who is also sister companies with XXXX XXXX. The agent received all of our information and " applied '' the amount to our loan. Couple of months go by and we start receiving foreclosure letters on a missing payment from XXXX. We fax in bank statements showing the amount was drafted from our account only for them to tell us it is not sufficient, they then start asking for a transmit XXXX form from our XXXX XXXX which our bank says they do not have or ever provide. After speaking to numerous agents and managers they are unable to help us and they do not know where the payment went, they open numerous cases and keep telling us they will reach back out to us. It is now XX/XX/XXXX we had to resubmit the payment for XXXX payment of XXXX and still have not received a refund or any word on what happened to XXXX payment. Nobody is able to help us the payment was apparently applied to the wrong loan and they know the mistake was their fault but they have not refunded our money nor stopped any foreclosure notices!
Product: Credit reporting

There are things on my report that are not correct. Balance s that are incorrect. Things that are XXXX years old that should have dropped off.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the items i am asking you to verify as accurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company has acknowledged the errors and has committed to updating the status to never late. Other credit bureaus have already rectified the status of the accounts after the companies acknowledged the inaccuracies.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : CREDIT COLLECTION SERVICE Account number : XXXX Account name : CREDIT CONTROL SERVICES INC Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( XXXX, XXXX and Transunion ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX  XXXX  Acct XXXX ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ).
Product: Debt collection

A company called " Professional Claims Bureau , Inc. '' located in XXXX NY, sent mail to my address in texas ( which i have no idea how they even got this address ) claiming to have tried contacting me about a debt that ive never seen any documentation on. They provided no information on this debt as a baiting tactic, then in the letters they sent, they use manipulation tactics to try and guilt you into paying them ( they also sent 4 letters, with random dates on each one ). They also put language in there saying " if you dont respond or pay within 10 days we are assuming you have no intention of settling this ''. First off, the letter came 11 days later, because they mailed it via USPS standard mail to my texas address... so threatening to make assumptions about if i respond, is not ok. Secondly, they didnt bother to provide ANY information on what kind of debt this is, no itemized pricing... nothing. It could be a billing error for all i know. Third, im not going to be intimidated or manipulated into paying some out of state collection agency 4 bills, just because they use intimidation and manipulation tactics. This really shouldnt be allowed at all. I do not live in new york. And the fact that they somehow have my address in texas, irritates me because i have no idea who these people are. I would like them to stop pulling personal information on me.
Product: Credit reporting

Equifax refuses to remove unverifiable negative information on my credit report. They continue to show a charge off of an XXXX, unsolicited account, # XXXX, claiming I was a personal gaurantor on this account. I have repeatedly requested both Equifax, and XXXX, to show me ANY documentation with my signature as gaurantor, in any capacity on this account, and they have not been able to do so. Both XXXX and XXXX have investigated this issue, and have removed it completely from my credit history. I am respectfully requesting that you look into this matter with Equifax, and if as they claim, have signed documents that I was personal gaurantor on this unsolicited corporate account, to please mail me said documents so that I may see it for myself. Other than that, I feel you should require that Equifax remove this item completely from my credit history, just as XXXX and XXXX have. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX : XXXXXXXXXXXX : XXXX, Acct . # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX
Product: Debt collection

I have my proof of certified mail that was sent to the collection agency and it was signed for both. I live in the state of New York. My state laws indicate that the collection agency is not Authorized to Conduct Business in the state of New York.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on XXXX. 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 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 months that are reported late 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. 


XXXX, XXXX XXXX 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