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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I was contacted by EXPERIAN via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called Experian Fraud Dept at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against Experian for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that Experian is acting unlawful. 

This filing is also being sent to XXXX AND XXXX as the updated FTC Report. 

Furthermore, XXXX on XXXX DENIED my request to remove XXXX  noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!
Product: Debt collection

I sent a debt validation letter, I never got a response or proof that the claimed debt is mine.
Product: Mortgage

Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing inaccurate accounts, delinquent accounts that has been paid on time, incorrect addresses, and unauthorized inquires with Experian for the last eight to nine months or evening longer. I Recently disputed on XX/XX/XXXX, andXXXX, XX/XX/XXXX, and XXXX of XXXX. I still didn't receive a response from my XX/XX/XXXX dispute I wrote to them. Of the Fair Credit Reporting Act, Experian has 30 days to respond or the accounts I disputed must be removed. There reporting a late payment on my XXXX account for XX/XX/XXXX, that account has never been late, I sent them proof of payment for that month, and they still didn't remove it. The proof was a written statement and a payment print out from XXXX, and they still never corrected the error. When I ask them to verify the accounts they never will send me anything in writing with my signature or contract with my name on it. Wrong/incorrect last for digits of social security XXXX is incorrect. Under The Fair Credit Reporting Act section 609, the creditor and the credit bureaus must prove that the account is mine. They never send proof. XXXX XXXX XXXX  is not my account. I asked them to send me verification and validate that this inaccurate account is mine, they would never send me validation, or verified with my signature or contract. The same with XXXX, never verify with a contract that I owe them. I would like for Experian to show proof of these inaccurate account with me bonded with a contract to these accounts or any proof of lateness. I have sent them proof, and I have not received and proof in return. I shouldn't have to prove anything, they are the ones reporting, so I need to see proof of why your reporting accounts inaccurate? Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XXXX of XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX DOB : XX/XX/year> SSN : XXXX DRIVER LICENSE NUMBER : XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I hope this letter finds you well. I am reaching out to request that my personal information be added to your records. My details are provided above for your convenience. 

Thank you for your assistance in this matter. I look forward to your confirmation. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon regular review of my credit report from the ( FICO ) bureau 's. i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.When reviewing my credit reports from the bureau 's. i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.
Product: Mortgage

I never received my escrow statement along with the refund check for {$77.00}. I contacted SunTrust by phone and after almost an hour wait the agent said they would reprocess the escrow statement and check and it should get to me in the next 2-3 weeks. I waited over a month and had not received the document or check from SunTrust even though my escrow account was debited back on XX/XX/XXXX. I followed up by sending a secure message through online banking on XX/XX/XXXX and the only update I received was directing me to a site that no longer exist to receive updates. I would like a copy of my escrow statement along with my refund check I am due.
Product: Debt collection

EOS CCA calls me every single day, sometimes multiple times a day. They claim I owe roughly {$35.00} and that they are collecting on behalf of XXXX. 

I did not trust it to be true at first, so spoke with XXXX and they have no record of ever passing my account on to this agency, especially since I am still a paying customer of theirs on auto-debit. 

I have asked them to stop calling me and continually block every number they call from, but still call from different numbers like I mentioned every day. 

They open the call by telling me that it will be recorded, and then say my name and try to confirm my address. I do not confirm my address with them, but it is very troubling that they have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX  % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ) please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX XXXX., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution.XXXX, XXXX, and TransUnion reporting me 30 days late. There was an error on their part. I was never 30 days late three times.
Product: Debt collection

I was sent to collections and received a letter about a past due amount with  XXXX   XXXX   XXXX   XXXX  out of  XXXX , IL. I sent proof to Collections Professionals that this debt was paid back in  XXXX  and was required to send them proof, which was faxed ov er. Collections Professionals, Inc (   XXXX  ) did nothing to verify that the debt was paid in full. I then received additional correspondence requesting the debt to be paid and had to call them a second time showing that the money was deposited from the insurance company into the Bank account of  XXXX . I believe it is a violation of  the Fair Debt and Collections Act no t to investigate and confirm the debt has been paid prior to repeatedly contacting me to pay the debt.
Product: Student loan

I submitted my application for re-paye. I was notified that I had missed the due date for this income based repayment program and then I was told I had a large balance due because I had missed this reapplication date. This took me by surprise because, based on my promissory note, and prior applications for repay, I was several months ahead of schedule when I submitted the application. When I brought this up with the company, they apologized and said that my loan had to be been reorganized under their company and thus my repayment had changed. They failed to notify me of this and thus never provide any documentation saying that I had a change to due date, that I was past due for this application, or that I should reapply for repair on a different schedule. They admitted fault in this, advised that I go on administrative forbearance, and continue to make my new payments. I did all of these things. However I noticed that my loan was still past due after 2 months under the new repay agreement and after I had supposedly gone into administrative forbearance. I called them back, and that 's when they informed me that my administrative forbearance had been denied. This is a surprise to me because I was told I was not applying for administrative forbearance, rather that it was granted given a special circumstance that had occurred. At this point, my loan is coming dangerously close to 90 days past due. I was then advised to reapply for administrative forbearance, disenroll from auto pay, then reenrollauto-pay, this trick as a called it within reset my past due amount enroll the amount owed back into the original principal of the loan. Further, they continually advised me to go into forbearance. Advising that forbearance would forgive this 5 to {$6000.00} debt that I supposedly had accrued. Unfortunately, I am a military member attempting to receive a military loan repayment. This program, unfortunately, will not make payments on loans that go into forbearance. Thus, FedLoan 's solution of forcing me into forbearance is a non-viable option for me. I was further advice to call them back today, XX/XX/XXXX. Since my last discussion with them, I have not received a response to my request to stop automatic payment, I have not been notified of the administrative forbearance approval, and when I called back today the loan company was closed for the holiday ( despite them telling me to call on this date ). My account will become 90 days past due despite my following all their instructions and my attempts and to correct their mistakes. Despite these efforts, it looks like that I will go into delinquency on the loan. This is particularly upsetting for me considering that I have made all of my payments on time since graduating from XXXX school. I would appreciate any help your organization could provide me in mediating this conflict with my Loan Servicing Company. Of note, I also have loans with other loan companies and have never had these sorts of problems. Thank you.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company is inaccurately reporting information on my credit report. 
These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear on my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file. 

Please be aware that continuing to report false information can have legal repercussions under the FCRA, including potential lawsuits and penalties. I trust you will act promptly to correct this issue. Please confirm, in writing, that the above-mentioned items have been corrected and will no longer be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXXI disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX. Experian investigated and it came back verified. in XX/XX/XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter datedXX/XX/XXXX sent on XX/XX/XXXX Experian got the letter on XX/XX/XXXX,,, i have copies of the delivery receipts On XX/XX/XXXX i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested..
Product: Checking or savings account

I am filing a complaint with the cfpd regarding Capital ones failure to deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate Electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation rises concerns about consumers protection laws and I request your assistance in investigating this matter to ensure my rights are being held. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Product: Student loan

In XX/XX/2015 I processed an additional deferment with AES. Oddly, after processing the deferment with AES I began receiving late notices so I contacted them again and they corrected the issue ; however, they never fixed my credit report which is preventing me from buying a house.