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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Bureau shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I recieved mail dated XX/XX/XXXX from Phoenix Finacial Services attempting to collect debt owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$1200.00} for Date of Service XX/XX/XXXX,. I am not familiar with the debtor on any Date of Service rendered by XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I contacted XXXX XXXX XXXXXXXX XXXX XXXX after finding them online. They indicated that there was no account under my name with my date of birth. They also indicated that they do not work with Phoenix for debt collection.
Product: Debt collection

I looked at my XXXX credit report this weekend and saw credit score had dropped and also had added a Bill with diviserfied consultant XXXX for XXXX. I have never applied for credit or services with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I observe some inaccuracies reporting on my credit report. Please correct all of the accounts that follow. Please see the following accounts/items and update accordingly. If not I will have to file complaints to the Federal Trade Commission and the Department of Justice. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Cell Phone I am requesting that all errors in the item be deleted and correct the information. I am under a lot of stress knowing these inaccuracies will affect my future loans.Please mail a full copy of my credit report to me as soon as possible.
Product: Credit card

This is NOT my Account. I have requested Substantiated Evidence, including : An itemization showing the dates and amount of each Charge, Refund, Credit, etc. from inception to date for this account ending in XXXX. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

This information was requested from me from when I received the first statement for Acct XXXX  to XXXX  2024. I have never received the Proof of Documentation. 
They sold the account to XXXX XX/XX/year>2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX, Capital One and XXXX XXXX XXXX XXXX are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, Capital One and XXXX XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX, Capital One and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, Capital One and XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Dovenmuehle Mortgage / XXXX XXXX XXXX XXXX XXXX XXXX  ) will not complete the Covid Hardship Deferment process that they offered to me. When I called them in XX/XX/XXXX to explain that my tenant was several months behind in rent but could not evict her due to government Covid eviction restrictions, they offered to me a 3-month Covid Hardship forbearance at the end of which would become a deferment. When I called after the initial 3-month forbearance period ended in XX/XX/XXXX to find out how to complete this deferment process, they must not have understood my request because, what I learned later, they simply extended the forbearance period another 3-months. ( At this point I " skipped '' only 2 payments. ) After receiving past due letters I called them and found out that there was documentation needed in order to complete the deferment process and again they granted another 3-month forbearance period. I submitted the covid hardship form along with all of the requested documentation and resumed making the monthly payments. ( As my attached payment records show, I " skipped '' only 5 payments even though I was allowed to " skip '' 9 payments during this forbearance period. ) Even though I paid more than was expected from me during this time, I started receiving past due letters. After hours and hours of making many phone calls ( most of my time was spent on hold and being transferred ), emails, faxes, certified mail, etc, the only response I ever received, and continue to receive, is that I am missing documentation ( like paystubs ). I kept resubmitting the same requested documentation via fax, emails, etc. This went on for months until I received a summons at the end of XX/XX/XXXX to appear in court. The judge told both myself and the lender 's lawyer to contact Dovenmuehle/XXXX  to find out what is going on with my account and to find out why my payments have not been applied properly. ( I also learned that they had not been applying my payments to my account but rather to a " suspense account, '' which of course artificially made my account " past due. '' ) This is still going on. I called again today, XX/XX/XXXX, and was told, once again, that they are missing the same documentation ( paystubs, page 6 of a form that " got cut off in the fax, '' etc. ) My next foreclosure court date is XX/XX/XXXX. I am attempting to do what the judge instructed and find out what is going on with my account so that this can be resolved before this date. I have attached my payment records, my correspondence log, and the list of documentation provided to Dovenmuehle/XXXX, their lawyers, and the court.
Product: Credit card

In XXXX XXXX XXXX, Citibank Wayfair Credit Card sent me an email letting me know that they thought there was a fraudulent charge on my Wayfair account ( which I used only XXXX time in XXXX to purchase a vented gas heater, never for anything else ). I called in, spoke to someone in the Customer Service and then again the Fraud Dept. I let them know that it was indeed NOT my purchase as they already suspected. I was assured that they would send me a new card ( new account number too ) and they would remove the charge ( XXXX, for {$19.00} XXXX XXXX  ). I figured that was the end of that. Then I got a new XXXX Statement via email telling me I had an account balance past due. So I called them again. Discussed it with both their Cust Service & Fraud Depts and was again assured that they would remove the fraudulent charge and the Late Fee of {$42.00}, I think. I was pretty sure that would be the end of that. NOPE. Got next month 's Statement, with additional Late Fees but it appeared that they removed the Fraudulent charge ... Go figure. So I called in again. Same thing, I requested that they fix this issue and remove the Late Fees and they again assured me that it would be fixed. NOPE. Same thing now in XXXX XXXX XXXX. I've phoned them XXXX or XXXX  times now and sent them electronic messages regarding the issue which is why I'm submitting this ; I no longer believe that they will fix this issue. HELP me please. Thanks in advance. 
RE : Wayfair Citibank XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report and a CFPB complaint about several issues that were never addressed concerning unknown or dubious addresses and accounts listed on my credit report. I have found the following unknown accounts : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I would like to request a PIN and Security freeze until I can get this reinvestigation started.
Product: Credit reporting or other personal consumer reports

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report
Product: Credit card

XXXX XXXX XXXX cancelled my credit card without warning and reissued a new card without notifying me. There was no suspicious activity on my account. They refused to tell me the specific reason that they closed my account saying only that " a vendor '' compromised my account. Which vendor? When? I registered a complaint with a customer service representative named " XXXX, '' who gave me a reference number of XXXX. He refused to give me his employee badge number or to provide any other information. I believe that I am entitled to know what activity occurred that affected my account and that XXXX XXXX XXXX should notify me rather than simply taking unilateral action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
Product: Debt collection

Our rental home is 45 days from going into foreclosure. Weve been battling a company called SLS. Llc ( specialized loan servicing ) for years, since XXXX. At the beginning they pretended to be a legitimate company ( after XXXX XXXX XXXXXXXX sold to them ), with a special program designed to modify our mortgage interest from variable X % percent we were paying to a more reasonable rate, ( in our case a fixed rate at X % ), which we agreed to, and signed papers ). The whole process was part of a scam to string along the homeowners, as long as possible, so as to be able to mount up tremendous charges to the underlying mortgage holder, that sls was supposed to be servicing the loan for. They did this by telling us the exact amount of the new payments and interest, and then they would send more paper work as if the payment wee were sending was never enough and we should refi again! Meanwhile we had the payments on auto pay so as not to. miss a payment. The result is that the our credit is damaged by the predatory lending of SLS, who BTW stopped accepting our $ XXXX/month payments and made us loo like we were delinquent. At first, we thought it was just us, but we went on line and found that this was part of a system wide scam as we read what other people had to say it was the exact same story as ours. Even though we have letters documenting these events ive come to believe theres nothing we can do to change the outcome and we are really getting tired of fighting these people. We have a savings account with the $ XXXX  month payment which equals what SLS CLAIMS we are PAST DUE for sitting and waiting to be paid. These people need to be out of business and should be made to remove ALL derogatory reports on our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to pay my PayPal bill on XX/XX/2018 on line. Could not bring up payment screen. Called PayPal about the issue and was told my account was on hold for Bankruptcy, I informed them I am not bankrupt, never have been, nor filed for bankruptcy. Was put threw to their investigation department, was told to call back in 10 working days which I did. Was told that I was still under investigation. That I would get a phone call or letter to the results of this investigation. Almost a month has passed still no call no letter. Account still frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Product: Credit reporting or other personal consumer reports

I have unauthorized and improper inquiries done without my consent on my credit report with Equifax, I need them to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) plays a critical role in protecting consumers in the financial marketplace. To enhance the effectiveness of the CFPB and ensure that consumer rights are adequately protected, it is essential to update and refine consumer law instructions. This ensures fair, transparent, and ethical practices by financial institutions, promoting confidence and stability in the financial system.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my auto loan, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). additionaly, the FCRA specifically sections 15 U.S code 1681i and 156 U.S, code 1681s-2 i formally request the you investigate and correct any inaccurate information related to these late payments on my credit report. below are the details of the affected payments Date of reported late payment : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXXBalance Owed : {$19000.00}.
Product: Debt collection

I literally choose a different auto insurance so I paid my money to them how do I owe when I was no longer insured with them called and explained and they never fixed I sent declaration page from current policy I am insured with XXXX
Product: Debt collection

Rent recovery solutions is charging me XXXX for a monthly rent that was initial XXXX at XXXX at XXXX XXXX!! I tried calling this company to get an explanation of the charges but they either hang up on me or dont answer! I dont believe this is a legitimate company and I need information to be removed from my credit report
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.