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

I tried to call XXXX XXXX  and XXXX, to get answers on why and who authorized the inquiries and I informed them that those accounts are fraudulent. 
- XXXX : XXXX XXXX - XXXX XXXX  ( Bank ) : XXXX XXXX I have no knowledge of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires that i did not authorize XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX  XXXX, fXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong information addresses XXXX XXXX XXXX av XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  # XXXX, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NANE 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: Student loan

I took out these loans in XXXX-XXXX. they are Parent Plus loans. When I took them out I was XXXX a XXXX XXXX making very good money. And I planned on paying them with my yearly bonus. They were substantial. to make a long story a little shorter, the company went out of business. I lost everything I had invested there & all income.ever since I have tried to get a payment I could afford. I went from XXXX & finally Navient. Every time they would give me something I could handle, they would wind up increasing them to a payment I could not afford. I have been living on about 60 % of what I making before. I lost my home, had to buy a vehicle. ( My truck was taken by my employer when I was released. Said it was company vehicle. I had bought it thru the company. Never thought to get the title ) .I went to several companies to handle my loans. One was XXXX XXXX. They went under. Went to XXXX 2 years ago. They got me a XXXX payment for a year, XXXX again this year. I understand they were shut down. I have never tried to get out of the loans. I just want a payment I can handle. Don't care if it is for the rest of my life.I will be XXXX years old in XXXX. I had to retire in XXXX..Could n't do my job well enough. Not in the best of health, working part time. need help. 
Thank You, XXXX XXXX Than
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report. 
Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

I have tax statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that show I paid student loan interest. 

Sometime in XX/XX/XXXX, my loans were transferred from XXXX XXXX XXXX to XXXX  XXXX XXXX. I am at a loss as to why the loan information would not transfer over including information on how much of my loan I already have paid off. Meanwhile XXXX XXXX tells me that I am listed as forbearance the following periods : ( XX/XX/XXXX - XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was unemployed and can verify only this period as forbearance. 

I have asked that XXXX XXXX XXXX review my payments. 

We can send you a statement of account since we began servicing your loans. Unfortunately, we can't provide your account history before your loans transferred to us. Please contact your previous servicer for further information. See email attachment XXXX. XXXX XXXX XXXX has closed and can not be contacted. Why was this pertinent information not transferred about my prior payments? 

This is unacceptable. Who is to protect me from fraud? I am currently working with my past financial institution ( XXXX ) to pull statements of all my payments to XXXX XXXX XXXX. 

My load provider 's lack of information and records could cost me tens of thousands of dollars. I have remained working in public service so that I could qualify for the SLFP. I am so close to getting through my ten years of payments. The finish line is in site, and now to receive information that I have made less than half of the 125 payments is debilitating.
Product: Debt collection

On XX/XX/2021, I received a call from XXXX, an unknown male stating his name was XXXX XXXX ( or XXXX ) from Focus Financial Services to collect a medical debt for Memorial Health System. I asked him if it was a Florida Corporation. He answered, " Yes. '' I asked if he was licensed to collect a debt in the state of Florida. He answered, " I don't have to be. '' I said that he had to be licensed to collect without violation of my FDCA rights ; he answered, " I collect for a Hospital, so I don't have to be licensed ''. While on the phone with him, I went to the XXXX Florida Department of State website to verify the company. I found the record of 3 companies with the name he gave me : FOCUS FINANCIAL SERVICES , INC. XXXX INACT FOCUS FINANCIAL SERVICES, INC . XXXX INACT FOCUS FINANCIAL SERVICES, INC XXXX INACT All inactive, administratively dissolved for an annual report. 
I asked him why he was calling on behalf of the unexisting business. 
He told me to XXXX the company, the webpage https : //www.ffsservices.com. He told me that the business was located at XXXX XXXX XXXX XXXX #  XXXX, XXXX XXXX, FL XXXX, United States. I answered that having a website and information on XXXX does not allow him to do business in Florida without active registration with the Department of the State of Florida or license to collect the debt. And in my opinion, he was conducting fraudulent activity. He said he did not care about the Department of the State or Federal law requirements. 
From my first question about his inquiry 's legitimacy, he yelled at me excessively and was overly aggressive, which I believe is a coercive tactic. He was interrupting my questions to verify the business information ; I believe he did so to avoid direct answers regarding lack of registration and license. He was asking me to admit the debt and make a payment of XXXX XXXX dollars. I told him he was a fraud and I would be reporting him to Attorney General, Federal Trade Commission, and CFPB.
Product: Debt collection

i have a letter from credit management a creditor that's on my credit report they have agreed and sent a letter i have sent to Transunion and called to notify them of and yet the item hasn't been removed. i dont know what more they need when I have a document from the creditor saying to remove the item.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX from XXXX that was closed with a balance of {$15000.00}. The account has been reported on my credit report as " charge off ''. On XX/XX/2023 I mailed XXXX a check " XXXX '' for a {$100.00} asking for them to settle my account and remove it from my credit report. They cashed the check and still did not remove the account from my credit report. So I want it done as the reason for me to pay them as in return to have the account removed from my credit report and settle the balance for good. I have attached a copy of the letter as well as the check and proof it was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted several times to dispute incorrect information with Experian Credit bureau and attached supporting documentation about XXXX XXXX XXXX  account. Account is showing charge off but was XXXX during XXXX XXXX  bankruptcy. They refuse to remove item or update incorrect information. I was advised that the verified information with XXXX XXXX XXXX but I was told from XXXX representative that information was not verified by them. I spoke with Experian representative on the same day and was told information was verified by XXXX. Information is still showing incorrectly and they refuse to verify and update correctly my credit file. Documentation was submitted showing correct information but they still refuse to correctly report on my credit file. 

I submitted dispute on Experian XX/XX/XXXX requesting incorrect information be updated and corrected for an old XXXX XXXX XXXX account from XXXX. Account was reported as charge-off and updated every month currently as late. This information is incorrect and should be reporting as a XXXX balance and bankruptcy XXXX XXXXr XXXX. I also attached court documents with dispute reflecting as so. But, dispute returned as accurate and amount owed increased and then XXXX XXXX XXXX reported additional late payments which caused my credit score to decrease XXXX points and damaged my credit and opportunity for mortgage loan approval. I called XXXX XXXX credit about XXXX on XX/XX/XXXX and was advised I was not found in their system, then I was transferred multiple times. After my fifth attempt, I was given a ( XXXX ) XXXX telephone number. Finally, I spoke with a representative XXXX and I advised the representative of the situation. I sent XXXX at XXXX XXXX XXXX in writing with letter request of validation of debt owed to XXXX email on XX/XX/XXXX. I would like the situation resolved and it be reported correctly to all three credit bureaus as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act reports on inquiries and account information 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. 

The following inquiries show on my credit reports from Experian, XXXX, and XXXX : Unrecognized Inquiries : XXXX. XXXX XXXX XXXX -- Alleged credit line increase request that was not completed online still appeared as hard inquiry. XX/XX/2021. 

XXXX. XXXX XXXXXXXX XXXX XXXX request on XX/XX/2021 appears twice, when it was only executed once. 

Account I want kept private : XXXX XXXX Credit Card.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late payment ( over 60 days ) amount {$140.00}. I moved from XXXX XXXX County to XXXX County. I went in person 3 times to the XXXX XXXX branch located on XXXX XXXX XXXX, XXXX XXXX, FL XXXX and updated my information. I had paid my card in full and never received any statement or phone call from the bank advising that there was an outstanding balance. I was able to confirm with XXXX XXXX that they had returned mail in my account and I was advised that my case will be reviewed. I was finally advised that there were no errors on the bank 's side that is why the late payment would stay as reported. 
My credit is been affected with this late payment report. I am not disputing at this time what those {$140.00} charges stand for. I just tried to friendly resolve this issue without any success. I never enrolled in paperless statement so I think I was entitle to a monthly statement and or at least a phone call from XXXX XXXX before they reported me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifteenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with XXXX XXXXXXXX on the following dates : XXXX XXXX XXXX All for the same issue of my current credit card Which was opened on XXXX XXXX not appearing on my experian credit report. I have filed a complaint directly with experian and it still has not been resolved. Inaccurate data is being reported and that is not okay. The inaccuracy of reporting is causing a great financial burden for me and my family.
Product: Credit reporting or other personal consumer reports

" Your agency is in clear violation of federal law!

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate.

DELETE this immediately! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX - XXXXXXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Experian XXXX Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Removal of Identity Theft-Related Account Dear Experian Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that there is an account listed on my credit report that is a direct result of identity theft. 

Account Information : Creditor : XXXX XXXX XXXX  Account Number : XXXX I have already taken the necessary steps by filing a dispute, providing supporting documentation, and contacting the creditor involved. Despite these efforts, the account remains on my credit report, negatively impacting my XXXX XXXX and financial standing. 

I understand the importance of accurate credit reporting and the role it plays in financial decisions. As a consumer, I have diligently followed the established procedures to rectify this situation. However, the persistence of this erroneous entry compels me to express my concern and take more decisive action. 

I want to make it clear that if the account resulting from identity theft is not promptly removed from my credit report, I will have no choice but to explore legal avenues to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I believe in the importance of a fair and accurate credit reporting system, and I trust that Experian shares this commitment. 

Enclosed with this letter, please find copies of the relevant documents, including the identity theft affidavit, police report, and any communication with the creditor. I urge you to review this information thoroughly and expedite the removal of the contested account from my credit report. 

I appreciate your prompt attention to this matter and expect a resolution within the timeframe stipulated by the FCRA. If my concerns are not addressed satisfactorily, I will be left with no choice but to pursue legal remedies. 

Thank you for your understanding and cooperation in resolving this issue. 

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

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$120.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Product: Mortgage

Freedom Mortgage processed a late payment due to a shortage of escrow. I was not notified by Freedom Mortgage of my escrow shortage, nor given the opportunity to pay the shortage. I have never made a late payment. My XX/XX/2022 due date XXXX XX/XX/2022 I was credited by my bank XX/XX/2022 in the amount of {$2700.00} which was short of the new escrow catchup payment to which I was not notified until I received my XXXX statement in the mail on XXXX XX/XX/2022. Freedom Mortgage chose to render this amount to a separate account showing me delinquent for the full amount. I promptly called and requested the late fee be waived, which they did. And, I paid the amount determined due with my {$2700.00} already paid. Freedom Mortgage sent another paper mail reference foreclosure proceedings and reported my late payment to the XXXX credit reporting agencies. I requested they notify the credit reporting agencies of their mistake. They never attempted to contact me by phone or email at all claiming t have mailed me for action. They simply sent the next XXXX statement as late owing the {$2700.00} plus {$290.00} escrow shortage plus the new escrow catch up payment {$2900.00} and the {$89.00} late fee. 

If this is the manner Freedom Mortgage notifies VA loan customers to the credit agencies on a routine basis I request you further investigate the matter. 




Secure message sent XXXX XX/XX/2022 to Freedom Mortgage : I am writing to request you retract my XXXX late payment report to the credit agencies to which you refunded the late fee. Please notify the XXXX credit agencies this was an erroneous late report. I was never notified by email, telephonically or by mail of my escrow shortage. I also was not given the opportunity to make a XXXX time payment. I paid promptly once notified. Please let know when this action is complete or your decision as soon as possible so that I may take the appropriate legal action if necessary. If this is a systemic problem within your company in servicing VA loans please correct. 

No response to date on credit agency erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter pertaining inaccurate and unknown things on my credit report on XX/XX/2021. It has been well over 45 days and until today I have not received a response. It appears my disputes are being ignored and I feel like I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these items, within 30 days gives a reason to immediately remove these items from my credit report. It has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately, otherwise I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

CBNA, inquiry on XX/XX/year> has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.