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

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 believe I have fallen victim to identity theft. As a result, I have been advised by the three major credit bureaus to file a police report. My personal information has been compromised and has appeared in several data breaches. I believe this situation violates the Fair Credit Reporting Act. ( FCRA ), 15 U.S.C. 1681 et seq, as well as 18 USC 894 and UCC 3-401. Below I have outlined the accounts in question. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note I am asserting my rights under UCC 1-308 without prejudice, and reserve all rights related to this matter. Additionally, the following name does not belong to me : XXXX XXXX, XXXX XXXX XXXX, I'm only known by XXXX XXXX XXXX. I've never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. EMPLOYERS : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a debt that was received from XXXX XXXX  of {$190.00}. I have notified Portfolio Recovery, but it still shows on XXXX  and XXXX  as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which Portfolio Recovery stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.
Product: Debt collection

I DO NOT OWE ANYONE ANY MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent my XXXX letter in, its been well past 30 days and I havent heard anything! 
1. The following account is not mines. 
XXXX XXXXXXXX Account Number : XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX 4. Account Number : XXXX Please remove it from my credit report. 
5. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
6. The following account is not mines. 
XXXX Account Number:XXXX Please remove it from my credit report. 
7. The following account is not mines. 
XXXXXXXX XXXX  Account NumberXXXX Please remove it from my credit report. 
8. The following account is not mines. 
XXXXXXXX XXXX  Account Number:XXXX Pleaser remove it from my credit report. 
9. The following account is not mines. 
XXXX Account number:XXXX Pleaser remove it from my credit report. 
10. The following account is not mines. 
XXXX XXXX Account number:XXXX 1. The following account is not mines. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681b - Permissible purposes of consumer reports This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; I
Product: Mortgage

BMO Harris Bank N.A . is claiming not to have received an XXXX payment that in fact shows received. I have been speaking with a representative in the compliant department since XX/XX/2020 and he too is having difficulty having the account reconciled. I have also filed a compliant with the XXXX XXXX XXXX. The XXXX closed the complaint as the business claimed to have sent me a letter. The letter I received was that I still owe a payment. Prior to this, I was speaking with Customer Representatives over the phone that were unable to figure out why the payment was missing. I have statements showing the business has taken the money from my account .... 

- XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$770.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$760.00} ( applied to the XX/XX/2020 amount due ; the statement received showed a balance owed of {$480.00}. The representative I spoke with claimed the account would resolve itself as I have been making the payments. So, just to make my normal payment. ) - XX/XX/2020 = {$720.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$43.00} ( applied to the XX/XX/2020 amount due ; this was due to a Representative calling me and telling me if I paid this, I would be current, owing a payment for XX/XX/2020 ). 

I have yet to receive my XXXX statement ( and never received a XXXX statement ), which I was hoping to see the account reconciled. However, instead I received another letter stating that I missed my XXXX payment. I'm not sure if the bank is failing to apply the payment and keeping it in unapplied funds ( this was a theory of my Complaint Representative ), but this needs to be resolved. The compliant Representative XXXX XXXX has not returned any of my calls or emails since XX/XX/XXXX and his Manager XXXX XXXX has declined to get involved. Another email address that has fallen silent is XXXX. This is the email address Representatives keep giving to submit for review. I have emailed this email address four times to try and get a response. Just to be clear, I have emailed the XXXX address, made two complaints on the BMO website and two complaints on the XXXX with still no resolve.
Product: Checking or savings account

To Whom It May Concern : THIS IS JUST A FOLLOW UP JUST IN CASE YOU DID NOT GET MY DISPUTE DIRECTLY==> I recently reviewed an extensive copy of my CHEXSYSTEMS CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my chexsystems report. - ( XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX  XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX FTC Report Number:XXXX4 I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CHEXSYSTEMS REPORT IMMEDIATELY!. 


Bank Checking Account : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number : NA delete it from my XXXX REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I opened up an HSBC Checking Account online on XX/XX/2021. At the time, they were running a promotion where if you met the qualifying activities, you would receive a {$450.00} welcome bonus. The qualifying activities were to ( 1 ) open your new HSBC Premier checking account from XX/XX/2021 through and including XX/XX/2021 ; and ( 2 ) make recurring qualifying Direct Deposits totaling at least {$5000.00} per month from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. I met the qualifying activities and even one of the representatives said, on XX/XX/2021, that I met the qualifying activities when I spoke to them over chat. The representative even said, " You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. XX/XX/XXXX direct deposit was received from there within eight weeks deposit will be credited to the account. '' During this time HSBC switched my account to XXXX. I followed up with HSBC regarding my {$450.00} welcome bonus and they informed me that I did not qualify for the welcome bonus because I did not sign up on the " landing page '' where I was supposed to sign up on. Although it was not one of their conditions for the {$450.00} welcome bonus, I did sign up on the landing page of the website where they advertised the {$450.00} welcome bonus. After some back and forth with HSBC, they are refusing to honor the {$450.00} welcome bonus they advertised and will not provide it to me.
Product: Credit card or prepaid card

On XX/XX/2021 was charged a late fee for {$29.00}. I have never been late on this account. I never received the statement via the USPS. I contacted Wells Fargo in writing asking for the fee to be waived. Wells Fargo sent my a huge packet of statements instead and did not address my written request.
Product: Student loan

I applied for an Income-Based Repayment Plan on XX/XX/. My student loans are serviced by Mohela. As of XX/XX/, the Income-Based Repayment Plan has not been processed and I have received no word from the company. I contacted Mohela on XX/XX/XXXX  to ask for a status update, but so far I have not received a response. In the mean time, Mohela sent me a bill for {$5100.00} due on XX/XX/. This is a sum I can not afford and would otherwise not be billed if my Income-Based Repayment Plan were processed on time. I am concern this will put me into delinquency.
Product: Credit reporting or other personal consumer reports

I started looking to purchase a vehicle back in XX/XX/2024, while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX XXXX, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
Two weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024
Product: Mortgage

After numerous copies and complaints, XXXX XXXX XXXX  concedes that modification payments were made to XXXX and XXXX but are not reflected in the foreclosure judgment balance. 
All the affirmations made upon the court are incorrect as to the balance of {$120000.00}. They also concede that a modification was approved but was not given to me. But after conceding to these facts they state there is nothing they can do since the home was sold at a foreclosure sale and they no longer have anything to do with the property. They state the loan holder ( Wilmington Savings Fund Society , FSB d/b/a Christiana Trust, not individually but as trustee for XXXX XXXX XXXXXXXX XXXX ) at the time of foreclosure. is still the loan holder and it is their responsibility to correct any issues. XXXX states they are only a servicer and the loan holder can only make the corrections. 
XXXX states XXXX  is responsible I would think the LOAN HOLDER is not the servicer. I am tired of going back and forth someone is responsible. I believe they have repeatedly discriminated against me ignored the facts,
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION/XXXX  .. XX/XX/XXXX = Closed .. Balance = {$0.00} .. Monthly payment = {$0.00} ... Current Payment Status = 120 DAYS LATE ... .. I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single XXXX XXXX account. After much work, I brought my scores up into the mid and high 600 's by XX/XX/XXXX ... I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later ( the first week of XX/XX/XXXX ) ... I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my credit files. I frantically pushed my numbers as fast and as far as I could until late XXXX. I then began the process of purchasing a place for us to live, knowing my options would be limited but time was quickly running out. I finally found a lender that would accept me and just as we were about to sign, during the first week in XXXX, the entry shown above posted at the bureaus ... I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home ... I had successfully disputed this account last year. The notation was removed and the status was changed. It reappeared, again. ... This entry has destroyed my life. I see now that it has refreshed at the beginning of the year every year since the account was closed. I have been permanently marked delinquent. Lenders laugh at me ... Reporting an account that has a {$0.00} balance as late is beyond irresponsible in this arena. The bureaus should have questioned this entry automatically instead of blindly letting it stand, so I blame them too.
Product: Credit card or prepaid card

On XX/XX/2020 my bill on two Capital Bank cards did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

Received notice at a previous address that a credit account was created by XXXX under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). 

Now I am received a harassing debt collection notice regarding this account that I already told XXXX was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with theFair Credit Reporting act convergent XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX  Account # XXXX opened XX/XX/XXXX, inquiries XXXX XXXX opened XX/XX/XXXX XXXX has violated my rights. 

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.
Product: Credit reporting

XXXX and XXXX have both removed the judgments from my credit report due to inaccurate reporting. I am asking that Experian do the same, as the judgments were never reported as satisfied under XXXX v. Equifax Information Services, LLC Civil Action No. XXXX and XXXX XXXX XXXX v. XXXX XXXX XXXX , Case No. XXXX, U.S. District Court, XXXX District of Virginia. Both credit reporting agencies have removed the judgments for reporting them inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Dear carmax auto finance RE : Request for Removal of Late Payment from Account : XXXX I am writing to bring to your attention an issue regarding a late payment that has been reported on my account. I recently discovered that a payment I made was not processed in a timely manner, leading to the late payment being reflected on my record. 

I would like to highlight that I have been a loyal customer of carmax auto finance for about 5 months and I have always maintained a good payment history. Unfortunately, due to unforeseen circumstances and a delay in the processing of my payment, I was unable to meet the payment deadline for the month of XXXX billing cycle. I submitted the payment and somehow the bank didnt take out the payment I have a statement where the money was in my account. And that I authorized carmax to take it out and it didnt. I called carmax everyday to fix the issue. 

I understand that late payments can have a negative impact on my credit history and overall financial profile. Therefore, I kindly request that you review my account and consider removing the late payment notation from my record. I believe this is an isolated incident and does not accurately reflect my creditworthiness. 

I genuinely value the business relationship I have with carmax auto finance, and I hope that you understand my situation and consider my request for the removal of the late payment from my account. I assure you that I am committed to maintaining a timely payment history moving forward. 

If there is any additional information or documentation required to facilitate this request, please let me know, and I will promptly provide it. I would appreciate a written confirmation once the review process is complete and the necessary changes have been made to my account. 

Thank you for your attention to this matter. I hope for a positive resolution, and I look forward to continuing our mutually beneficial relationship. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Student loan

In XXXX and XX/XX/XXXX I submitted the information for the PSLF program. One day I submitted my work with the XXXX of Nebraska. The next day I submitted my work from XXXX and XXXX XXXX. The payments made during my time at XXXX and XXXX XXXX has not been reflective on my PSLF payments. I have been a full time employee for non-Profit and State employment for XXXX years. I want to know when Fed Loan will process my time with XXXX  and XXXX XXXX as the new waivers from President Biden waives if the loans were in the wrong payment plan. I was previously with XXXX who had verifed employment yearly while I was making payments from XXXX to when I consoldated in XXXX. It is extermely difficult to get answers from Fed Loan thru the phone and I do not get responses from emails. I need assistance on getting an adaquate count of my payments as I should be completed with all payments at the end of XXXX of this year.
Product: Credit card

XXXX Complaint number was NEVER addressed. See description on pre iis page.