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

I XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately XXXX XXXX XXXX XXXX These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX  XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, Experian and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently. 
All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

The loan companies Omni, XXXX, XXXX XXXX  and XXXX XXXX too allotments out keeping me financially Crippled. Beginning in XXXX to XXXX. I will attach the credit report b
Product: Student loan

Completed SAVE plan for Mohela on XX/XX/2023. 

Had my loans placed on Deferment while application was being processed. XXXX seems to still be in process. 

I have not been informed of my application being complete. I have not been informed if I qualified for XXXX XXXX. 

Received letter and email on XX/XX/2023 that I was passed due on my first payment and that an additional pay would be due XX/XX/2023. 

I was never informed that my deferment had ended from the XXXX plan application. 
I was never informed of my first loan repayment ( I received a past due letter instead ). 

I haven't received communication via phone, mail, email, or within Mohela module of such changes. I was simply informed of my past due bill and my upcoming bill. 

In the past I've had conflicting information from Mohela on my status. Mailed information has deferred from what is listed within the Mohela website account. 

Till this day I am not sure if I've been placed on the XXXX Plan. By the looks of the amount due I think I am not in the XXXX Plan. 

Having to take time off work to address this during business hours has been challenging. 

Any information of any changes from XXXX until present would be greatly appreciated. 

I fear my credit score being impacted.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am truly incredulous- I got a notification from XXXX that my score dropped XXXX points, so I looked closer. Some company that has absolutely 110 % never contacted me in any way shape or form, placed a collection on my credit and DESTROYED it. I PAID THE BILL TO THE MEDICAL OFFICE< APPROPRIATELY. I have never been contacted by this " National Healthcare Co '' and I know that the surgery center has all of my info as I have had XXXX surgeries there. The medical office may have made a mistake but this credit collection company should have CALLED or WRITTEN. I have tenants moving into my house in XXXX  days- and I am in escrow. I am attaching receipts to this bill for XXXX dollars that was paid in XXXX. It took some time as I was working with the insurance company which I finally gave up on due to TIME it takes to deal with insurance so I paid it. The fact that they did not call me, I know to be illegal and against the fair credit reporting act. If this does not come off my credit by XXXX  when I wake up- I will file a lawsuit immediately, online. Not only will I be sued as I have tenants moving in, and this will make me fall out of escrow, this company in XXXX  will have to travel to XXXX XXXX for Court Dates- and I am 100 % within my rights as I paid my bill, in good faith. This needs to be deleted AT ONCE>I will file a lawsuit with XXXX XXXX XXXX XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts appearing on my credit file due to Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Due too hippa law information was shared to a collection agency and or 3rd party without my consent or permission!!!
Product: Debt collection

I checked my credit and saw an account for Wakefield & Associates for XXXX XXXX, XXXX. I have no idea what XXXX XXXX is I XXXX them and saw they were a medical billing. The fact they disclosed my medical record ( yes my bill is a medical record ) to Wakefield without me signing a medical release is a HIPAA violation. Not only that, I had already told the hospital I was homeless and needed financial assistance because I did not have medical insurance. I even completed the financial assistance forms at the hospital. I am not sure if the hospital works with XXXX but I never received any mail from them for any medical bills nor did I ever receive the right to dispute.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove the late payments from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX our mortgage was paid in full due to a refinance. In XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) reported a 30 days delinquency for XX/XX/XXXX, XXXX has not corrected my Equifax and subsequently reported another 30 day delinquency for XX/XX/XXXX despite my account being closed and paid in full with never being late and XXXX  claiming the issue is corrected. I am on the verge of losing a real estate transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother XXXX XXXX in XXXX, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from midland credit I offered to settle the amount of my XXXX  XXXX card for XXXX dollars they agreed I sent in a letter stating this was the amount we agreed upon and If the check was cashed this debt was to be documented as paid Im there system once they cashed the check they called me and said I still have a balance of XXXX dollars and I told them I paid what we agreed upon and 2 weeks later they reported to the credit bureau that this account was in collections. I sent them copies of the check and letter as proof and they have not responded.
Product: Student loan

I am XXXX XXXX and need a forgiveness from XXXX. Ihave been told by them there is no guarantee they will cancelmy loans. What should my next step be concerning this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Mortgage

Loan was with XXXX XXXX XXXX, was transferred to Nationstar Mortgage now Mr Cooper, letter from XXXX XXXX XXXX  dated XX/XX/2012 said fax in modification paperwork and balance reduction and modification will be done! Was faxed and then transferred. Mr Cooper always says that was modified with XXXX XXXX XXXX but was not or would not be complaining! Mr Cooper always refutes the information and again WAS NEVER MODIFIED WITH THE BALANCE REDUCTION! THATS WAS I WANT AGAIN NEVER MODIFIED WITH THE BALANCE REDUCTION! Mr Cooper will sell to someone at value but inclosed is proof, DO THE RIGHT AND ETHICAL THING AND  HONOR LETTER AND QUIT GIVING EXCUSES!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote a letter to Transunion disputing the last payment date of a tradeline that reports a last payment date of XX/XX/XXXX but the account had been charged off since XX/XX/XXXX. I notified them that I did not make a payment on said date and the account should be removed for re-aging of the trade line. Transunion responded with a verified as accurate letter disregarding the information I presented and failed to do a proper investigation.
Product: Credit reporting or other personal consumer reports

Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to Experian. 
Experian takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. 
Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the FTC at www.identitytheft.gov - A U.S. Postal Inspection Service Report I sent in a valid identity theft report that was filed online with the FTC. You sent me back a generic response saying the accounts were verified and another saying the information above that the complaint was official. This is my third and final attempt and submitting this official electronic identity theft report. This time Ive included screen shot from the official government site, as well as the corresponding emails that Ive received after submission of the complaints.

This CFPB complaint has been led to request according to FCRA 605B ( 15 USC 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

Today a new account was added to my XXXX credit report by P & B Capital Group LLC in the amount of {$1400.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : 1. The amount they think I owe 2. the name of the creditor 3. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  are all in violation of the FCRA. Every negative item on my credit reports is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been battling with XXXX XXXX XXXX and XXXX XXXX XXXX, regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity XXXX XXXX XXXX XXXX that the account was sold to I was told since they are not the company reporting the account that it is XXXX XXXX XXXX XXXX responsibility to fix the errors or delete the account. 
Furthermore after XXXX  XXXX XXXX made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
XXXX  XXXX XXXX is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently check my credit report and there was erroneous and fraudulent accounts and addresses on my credit report. The avenues of XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report and a report with identitytheft.gov
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I contacted Experian credit bureau in writing. In my letter, I requested for Experian to release to me the furnisher who has reported a judgment against me. Prior to contacting Experian, I had contacted the court house listed on my Experian credit report and they could not find or verify anything under my name. I just want Experian to tell me where they are getting this information from so I know what my next step will be to getting this false item removed from my Experian credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 This is fraudulent, I have blocked a similar text a week ago and have also emailed the text to XXXX XXXX text from XXXX the text states : Your On-line has been *Disabld* Proceed Here : http : XXXX
Product: Consumer Loan

DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates.
Product: Mortgage

I am reluctantly submitting this complaint after making a good-faith effort to resolve this issue. We refinanced our mortgage in XXXX, XXXX. The loan was subsequently sold to an investor ( XXXX XXXX XXXX XXXX ) and Shellpoint Mortgage Servicing became the servicer on the loan. We are required under the terms of the mortgage to escrow for taxes and insurance. That is where I have run into trouble with Shellpoint. 

Our annual homeowner 's policy premium of {$7200.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I was startled to learn from my insurance company, XXXX XXXX, that they had not received payment. Since then, I have called Shellpoint on the following dates asking that they resolve this : XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. With the exception of the first call when I was reassured the check had been mailed but there were mail or processing delays, on each call I was reassured that they would reach out to XXXX XXXX and straighten this problem out. Notably, on XXXX I was told the most recently-mailed check would be cancelled, and a new one sent immediately. Presumably, this would have been received by now, but now on XX/XX/XXXX XXXX XXXX says it has not. I do not know what the difficulty is, or where this is going wrong. 

In the meantime, I also found an email address online, XXXX, and emailed it on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I know this is a working email address because each email received an autoreply that my message has been received and follow-up will be pending. These emails have been ignored. 

XXXX XXXX, with whom I've had this policy for three years without problems until Shellpoint became my mortgage servicer, tells me that they have attempted to get Shellpoint to send them payment multiple times. XXXX XXXX has has now given up on Shellpoint and is billing me directly. As of XX/XX/XXXX, my policy is severely overdue for payment and a cancellation notice will likely be sent out in the near future. 

I have tried to be understanding. These are strange times. Perhaps the initial check got lost in the mail. However, it is inexcusable that after seven weeks, despite constant calls and emails from both me and XXXX XXXX, my escrow company has failed to execute its fiduciary duty to pay my insurance bill on my behalf. My spouse is a XXXX XXXX XXXX  and we are at risk of contracting COVID-19. What if we were sick and incapacitated and unable to keep hounding Shellpoint to make this payment, and the insurance on the roof over our head lapsed? 

I have had four mortgages in 15 years and never once had to think about, or get involved in in any way, my escrow accounts. Shellpoint has failed to make the very first payment due now that they are newly my servicer. I respectfully ask that the government step in and help ensure that this problem gets resolved expeditiously, as I have lost confidence in Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in late XXXX early XXXX I disputed with this creditor I asked him to validate The debt and all they sent me was a screenshot that's not proof I asked him for my signature which I have a little attached and my claim you'll see all the results that they sent me