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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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 ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Student loan

Just thought I'd sound in also! I just completed my XXXX year of repayment. I received my degree in XXXX and entered repayment that XXXX. I have been enrolled in the XXXX program since XX/XX/XXXX. I have made XXXX payments total and XXXX while employed as a Teacher for the Department XXXX XXXX. I borrowed XXXX, have paid back XXXX and XXXX says I still owe XXXX. That is worse than credit card debt. I had given up on the XXXX program until XXXX of last year. A whole year I have been back on the bandwagon and still no " forgiveness ''. I don't even want " forgiveness '' I just want acknowledgement that I am done. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and now Mohela. All of them have made money off of my loans. Even the XXXX says I have had XXXX in total loans ; but that is false. I have only ever received XXXX from any source of student loan. The rest of the XXXX is made up in interest that the companies tacked on over the years as they kept selling my loans to each other. The servicing is horrendous and the biggest scam this country has seen. I have been eligible to retire since XXXX but I can't do that with a level head until I know this loan is done. If I pay the balance they say I owe today, that would be 50 % interest. My current issue is noone is recognizing my payments from XX/XX/XXXX - XX/XX/XXXX. My guess is because my servicer at that time didn't report my payments. They keep telling me I am waiting on some IDR review. Everytime I call the XXXX expert tells me they will do a manual review but ......
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the payment history information that appears on my credit report from CAPITAL ONE. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.
Product: Prepaid card

Netspend XXXX XXXX  opened 2 accounts in my name without my request or approval. When I called to find out why 2 accounts were opened in my name the customer service representative said that their company opened them without my knowledge.
Product: Debt collection

I have a debt collection reporting on my credit reports for an account that I never authorized. Based on the remarks listed, the account originated from a financial institution that I never opened an account with. This debt does not belong to me.
Product: Debt collection

Resurgent, claiming to be a debt collector, has sent numerous letters which everyone has been replied with 10 business days. 
The company has not given proof of validation, and regardless, they have reported this to my credit. 
This alleged debt was bought from a previous debit buyer and I have requested a history of this best. All I am receiving is a last statement from the situation company allegedly money is owed to. 
LvNV funding who is the debt buyer has already reported this, now this company is not only is not giving me sufficient paperwork and proof odmf debt, I have also reported identity theft to ftc, numerous time. This company keeps mailing me sets of 8 different packets each with different responses I am not going to give information or my social security asking they stop this communication method and stop the threats while they have dinged my credit. 
This account was a charge off in 2019. 
The I formation states these are not original account statements and has been provided by LVNV,. Now this has been bought and sold so many times that I have no idea where this is coming from. I keep records and letters sent to these types lf agencies. 
Although they say thus matter will be reported it already has I believe by tow agencies .please stop this .I am a spouse of an XXXX XXXX military and these people are ruining my credit Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX writing to dispute the following incorrect information on my credit report : [ XXXX XXXX XXXX, account closed account with a balance ] This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Product: Checking or savings account

Opened account and had {$500.00} direct deposit on XX/XX/2019 and no {$100.00} bonus has posted to my account. 

Terms say : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. ''
Product: Mortgage

I own XXXX different condominiums throughout the country, all serviced by different servicers, yet Midwest Loan Services is the only one who refuses to do any basic due diligence to secure condominium master policies on their own. Instead of spending any basic resources on securing the condominium master policy on their own, they spend resources on sending letters threatening to secure their own master policy, and billing the borrower. I sent the master policy to Midwest Loan Services through their portal and am attaching it to this complaint as well. Their practice seems especially fishy because they think it's prudent to do no due diligence whatsoever on reaching out to the condominium association, and probably getting kickbacks or other benefits from whatever master insurance policies they seem to be rushing to put on the properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that the credit reporting bureau, XXXX  has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with Chime bank, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX  balance, it still remains on my credit report. I have disputed with XXXX  and provided copy of my credit card statement with chime. It still hasnt been removed. XXXX  is doing shady business practices. I havent had these issues with any other credit reporting agency.
Product: Debt collection

Unpaid XXXX XXXX collection of {$270.00} from 2020 and I never received notice of the debt prior to applying it to my credit which is a violation of the FCRA. 
The account should not have gone to collections as I provided notice to vacate the home.
Product: Mortgage

t is obvious that Ocwen refuses to answer my concern regarding the satisfaction of my loan paid off to or thru them XXXX XXXX. 
Ocwen continues repeating the same answers and enclosing the same documents. 

Since Ocwen who all along has stated that they did n't have the original loan documents but has agreed with the Management company, XXXX XXXX, and obviously the investor they were representing, to pay for and issue an affidavit of loss documents and given that : Ocwen records seem to indicate that they indeed were in possession of my loan documents held by their custodian XXXX but are refusing to explain how is that all of a sudden Ocwen no longer has the loan documents, Ocwen indicates that they do not have to record the satisfaction of the loan with the County clerk 's office suggesting instead that I check with such office for any recordings ; and since it is obvious that Ocwen represents the investor not the borrower ( myself ), Ocwen has not produced any type of research information with previous servicing agents to make an attempt to obtain a report from them regarding missing documents, I, XXXX XXXX XXXX shareholder since XX/XX/XXXX was never informed that the loan I obtained from The XXXX XXXX XXXX in XX/XX/XXXX was assigned to XXXX XXXX and that the financial institutions were only servicing the loan. There is no record that XXXX XXXX ever filed for a XXXX yet in XXXX XXXX XXXX XXXX indicates that they obtained the loan from XXXX XXXX and therefore filed for a XXXX. 
I, XXXX XXXX XXXX, shareholder of XXXX at XXXX XXXX XXXX XXXX XXXX has never been notified nor requested authorization to transfer/assign and/or pledge the shares of the unit XXXX to collateralize any loan, since XXXX XXXX ' sister and/or related companies, under the name of XXXX XXXX XXXX and XXXX XXXX XXXX rental collateralized the building in XX/XX/XXXX without shareholder 's authorization and communication, ( I have only learned recently about the loan after my multiple requests to management company to provide me with missing amendments issued in XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX - amendments which by law sponsor/management companies are obligated to release to its shareholders ). 
Per the existing loan with XXXX XXXX XXXX issued in XXXX for $ XXXX, ( copy of specific clause attached ) there could n't be another senior loan, which seems to indicate that this loan may have been transferred to XXXX XXXX XXXX XXXX . However, XXXX XXXX has stated multiple times that there is only XXXX loan - the XXXX XXXX XXXX loan - which was supposed to be just paid off this month. 

It is too coincidental to me that my loan documents were lost without any explanation around the same time when the 'investor ' places a XXXX on my apartment and a loan is requested from XXXX XXXX XXXX XXXX against the building all around the same time. 
I have now contacted several attorneys and all of them conclude that regardless of whether a XXXX was continued or not a loan needs to be satisfied by the latest financial institution, in this case Ocwen.
Product: Credit reporting or other personal consumer reports

Recently while reviewing my credit report, I notice that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The hard inquiries that don't have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.
Product: Credit reporting or other personal consumer reports

I am showing a collection on my credit report from " XXXX ''. This is account was inaccurately placed on my credit report to which I requested that it be removed. The tmobile payment was completed and submitted to their company directly BEFORE this was sent to the credit bureaus for collection. This account was already paid off. It has not been removed from my credit report. I also contacted a representative by phone in regards to this account. I need this removed as it is not accurate.
Product: Credit card

I called Chase @ XXXX on XX/XX/year> I asked them why they were charging me an XXXX when they offer a pay over time option where its interest free. This charge is built into my monthly payment and when at first glance appears to be a good option until you look and find there XXXX fee. When you do the math its about the same as if you did it without there great plan of interest free option. I have been a customer of chase for over 15 years I have paid my payments on time and the bill over several times over the years with them. I simply asked for the false advertisement they are presenting of the interest free and then charging it back with there fee of XXXX be removed and they refused. When I asked the second rep on the call a supervisor to do the math and she will see what my complaint is about she agreed that the math works and its the same as charging me the interest per month but still refused to remove this fee. After several years of doing business with this company they were ok with me just removing my accounts from them and didnt care that i was contacting this office to review the UDAAP violation they are doing and have been in trouble for in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681 Account Name # XXXX XXXX XXXX Account Name # DEPT IF EDU XXXX. Account Name # XXXX XXXX  XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXXXXXX XXXX XXXXXXXX Account Name # XXXX XXXX XXXX Account Name # XXXX XXXX XXXX XXXX {$27000.00}. Account Name # XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section States : 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.

15 U. S. C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The  presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX XXXX XXXX  you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint mortgage ran an escrow analysis, but failed to recognize that we are paying for flood insurance on our own. I sent them proof of coverage. In addition, their process to have the coverage removed is very time consuming and difficult to reach the correct departments.
Product: Debt collection

After reviewing my credit reports, I noticed an unfamiliar account listed from Midwest Recovery Systems for {$90.00} in or around XX/XX/2018. I have never received any written correspondence or documentation from this company in reference to this debt. I have never received notice of right this dispute. I didnt receive any information to verify debt. Also, I have never received any services from this company, nor have I signed any form of agreement binding me to any monetary/financial obligations owed to this company.
Product: Mortgage

We had a mortgage from XXXX after XXXX and XXXX XXXX XXXX and DITECH was our mortgage servicer. We applied to DITECH for a HARP refinance. They refused to give us the Harp interest rate and in fact denied our refinance because we would not agree to the conventional loan rate. We were very eligible for HARP. In fact we were successful refinancing with another mortgage lender. Perfect credit. Never late on payments. Ditech would also not refinance us VA even though I am a US veteran. Even at the conventional rate they refused our loan refinance due to a existing mobile home on the property. This is in addition to our single family dwelling.They said it was required by HARP that we remove the mobile home in order to get a refinance. The mobile home was a source of additional rental income. We spent XXXX dollars to have the mobile home demolished and they still would not give us any interest rate other than their conventional interest rates. DITECH IS THE MOST CRIMMINAL ABUSIVE COMPANY WE AND THOUSANDS OF OTHERS HAVE BEEN ABUSED BY. We want a ruling here on our rights to HARP refinancing vs. Ditech making their own rules in order to make it easier for them to sell our property in case of default. ( to get rid of the mobile home ) Also denial of refinancing according to HARP and VA guidelines. We feel there has been discrimination here of a US Veteran and senior citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice I have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. The account number and fraudulent account details were included both times in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B. Each time Experian has processed disputes and " verified '' my name and social security number that have been breached and each time Experian has ignored my police report and the crime of identity theft documented in the police report. Experian refuses to honor my police report and refuses to comply with federal law pertaining to victims of identity theft. Experian 's policy has directly and repeatedly violated the Fair Credit Reporting Act.
Product: Credit card or prepaid card

XX/XX/XXXX, my wife was diagnosed with a XXXX XXXX XXXX XXXX XXXX in her XXXX. The XXXX went to her XXXX and XXXX and XXXX in a short time. While my wife was in XXXX XXXX XXXX PenFed Credit Union would call me while I was with my wife in the XXXX XXXX. I had explained to then the cituation that I could not afford to pay the Credit Card because my wife was no longer working. A person from Penfed who was a man called twice and was very, very rude. He was arguing with me and demanding the money. I told him my wife was fighting for her life and we could not afford to pay. After talking to two ladies at Penfed, they said he was not supposed to do that. I kept getting calls from Penfed while she was fighting XXXX. I was harassed while I was helping my wife fight for her life which ended on XX/XX/XXXX when she passed away in XXXX. Another company called. Another company recently did the same thing when I was harassed by then and the man threatened to sue me. He was very mean to me. The company is called XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include 21 unauthorized U.S. Department of Education accounts thats on all three credit reports, two auto loans fraudulently opened with XXXX and XXXX XXXX XXXX, and 40 hard inquiries that I did not authorize on my TransUnion report. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent. These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from my credit report.