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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

My mother died 5 years ago. One year before that she signed the deed over my to name. When she died I contacted Bank of America 's legal department and they sent me a whole bunch of papers that I had filled out notarized and signed back to them. I called now because Governor XXXX put into effect that mortgage payments can be waived for 90 days. Since I am not working because the school I work at is closed due to the virus and I am not being paid, I called Bank of America to try to find out how the 90 day waiver worked. I am being told that I can not speak to anybody unless I get a court order saying that the house is mine. I have been paying this mortgage for 5 years my name is listed all over the contact information I am the daughter of the person that owned it, I have lived in this house since I was XXXX  and sent them all the paperwork you needed. Now in the time of state of emergency you're telling me I need to go to court to get a court-approved document saying I own the house when I already have a deed, to speak to somebody. They are asking for me to obtain a document from a court saying I can talk to them when all the courts are closed because of this virus. They already have all the paperwork in their possession. I am the last of my family I have no other family living. She did have a will and everything was left to me since I was the sole survivor or heir however you want to put that. I have given this information to them before and they have told me the information I needed when I called and now all of a sudden during state of emergency they're telling me I need to go to court to get a document saying the property is mine when I have a deed saying it is. This does not have to go through probate court because there is nothing to probate and they will not understand this. The property is listed as an estate on their Bank documents how would they know to listed it as that unless they got all the information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  / Equifax / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX  listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the XXXX XXXX XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now! 

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from XXXX and Equifax. Thank you and happy new year
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX, XXXX. - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX & XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original sign

ed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my
ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 consumer 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

On XX/XX/2022 While at a XXXX Bank branch in XXXX Florida we discovered a personal loan of {$6400.00} in an account in my name in XXXX XXXX XXXX FL with XXXX XXXX XXXX XXXX 

My Credit Score drop from XXXX to XXXX because XXXX failed to verify the proper identity of the loan 's owner. The owner failed to make any payments on their obligations. XXXX is a loan agency based in California. The XXXX bank agent informed us that the account was in my name and used my SSN. The bank agent told us that the phone, mailing, and email addresses were not the same as our contact information. 

XX/XX/2022 I created a new email address ( XXXX ) and reached out to the XXXX Customer Complaint email address ( XXXX ) and demanded that they correct their error. 

I received a reply fairly quickly on XX/XX/2022. 

I found out the unauthorized XXXX account was created on XX/XX/2022 with account # XXXX using my name. This information was posted on XXXX XXXX, XXXX, XXXX, and TransUnion. 

XX/XX/2022 I received an email from an unknown person at XXXX stating they filed the proper paperwork and will follow up as soon as possible. 
I replied thanking them for their fast reply but feel the message from XXXX was auto-generated. 

XX/XX/2022 My research with the various credit bureaus yielded additional information which I provided to the XXXX complaints email. Not a single individual has yet to reply to me from XXXX. 

XXXX XXXX Received another anonymous reply from XXXX but was not provided a case number nor any indication of urgency. 

The unknown person stated, " We are sorry to hear about the trouble that you recently experienced with us. Our Customer Experience Department is still looking into it and will follow up as soon as possible. '' Sincerely, Customer Service XXXX XX/XX/2022 ( today ) I filed a complaint with the Federal Trade Commission ( FTC ) and the CFPB against XXXX XXXX for their part in identity theft. 

Soon we will report this to local enforcement as recommended by numerous agencies including the FTC.
Product: Credit reporting

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT WORK INFORMATION IS : METRO PCS XXXX My current phone number is : XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX PT XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported a higher balance than I owe on my student loan account through XXXX stating XXXX  reported the wrong balance XXXX  stated they did not report that balance and they reported the correct balance transunion refused to let me speak to a supervisor!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I provided proof of my identity theft, proof of my identity, police report, FTC report to Experian they have refuse to block or delete the account belong to fraud. they have not provided me with information or proof that those accounts belong to me. other bureaus like XXXX  and XXXX and XXXX deleted the information with no problem.
Product: Mortgage

I have tried to get my PMI removed from my loan because I'm under the 80 %. I was promised this when I was originally talking out my mortgage and at least numerous times during the process. On the account page when I log on it directly states this as well. In XX/XX/XXXX or XXXX I asked for it to be removed and to start the process. I was told it would come off on XX/XX/XXXX and I wouldn't have to pay for it in XXXX. I then called back to double check on XX/XX/XXXX and was told it was still being processed and would officially come off on XX/XX/XXXX. I spoke to someone on the phone and they also gave me an email address to contact as well because the company didn't do what they promised. So I also emailed on XX/XX/XXXX. I also replied to their email on the XX/XX/XXXX and was told to let it take more time. 

I called on XX/XX/XXXX because it was still not off like they promised on XX/XX/XXXX. It still isn't off and they are now saying it was never processed back in XXXX, or in XXXX and the XXXX is the 1st time it was. The problem with this company is that when you call you only talk to a customer care representative that reads off of a computer. They don't know the answers and lie about dates/information. I've learned that when you call you have to demand someone in leadership. These people can only chat each other but have no direct contact with the actual department you need to talk to, in our case the PMI department. I keep getting ticket numbers that are supposed to be an official action and have called and been told 2 separate times our case is " escalated '' but nothing happens. We keep being told their an offline department and there is no way to actually get in contact with them. That " they can only message them '' They are a subservice company which deals in deception. How can you NOT give me a contact number or email for a department that I need to contact?!!! They have repeatedly lied about dates of when it would go into effect when in reality NOTHING was even being done. Numerous " leadership '' people will look into it and call you back in 24-48 hours. Guess what they DON '' T. I have spent HOURS upon HOURS of being on the phone for nothing to be done. 

We had an issue with them dragging their feet in processing our recast of the loan and that took over 30 phone call to resolve, actually done but not on time. Consumers should NOT have to deal with this. This is unacceptable for a business to operate. I honestly don't trust that they will process the removal of PMI that has been promised to come off in XXXX but still hasn't been removed.
Product: Debt collection

I called XXXX XXXX on XX/XX/XXXX and paid the account balance in full which was XXXX . I made two payments which were XXXX $ and a XXXX $ payment totaling at XXXX . I have called repeatedly South West Credit Solutions and have tried to verify this information and Ive given them all my reference numbers and still nothing has happened. XXXX XXXX also sent them a form on my behalf on XX/XX/XXXX stating that I did in fact pay the balance in full and no longer have an account or a balance with XXXX. Its been a month and South West is not doing anything about it and I need this taken off my credit report as I was assured that it would be. I need help please.
Product: Mortgage

XX/XX/XXXX ( last year ) my mother passed away and I went to Ohio to help with her funeral and ended up paying many expenses we thought were covered by her insurance. Due to using my savings to help with funeral expenses I was unable to make my next mortgage payment. I made mortgage payments the following two months, but was still 1 month behind. At the beginning of XX/XX/XXXX I was laid off from my job. Knowing I could n't catch up the month I was behind and that I would n't be able to make any more payments until I went back to work, I called US Bank Home Mortgage to see if there were any options for assistance. I was told by the agent " Off the Record ''  that I needed to be at least 3 payments behind before they could do anything to help me catch up. I asked if that means I should just not make payments for at leas three months so I could get help. The agent said he ca n't advise me to skip payments, but " yes. '' So in XXXX I again called US Bank and applied for mortgage assistance. It was determined that I was not eligible for assistance at that time. I immediately attempted to pay 3 months ' mortgage payments to catch me up to being only 1 month behind, but the check was returned to me uncashed stating that I owed 4 months mortgage payments and they would n't accept 3 months payments because it was n't the full amount owed. I was advised " off the record '' to make sure I have no money in my bank accounts and try applying again for assistance. That would make it more likely I would get help catching up payments. So I used my savings to pay other bills XXXX while my credit bottomed out due to mortgage ). With no money in my account, I applied again. I was again denied, and told they were starting the foreclosure process unless I could come up with the total amount that I am behind..which is n't possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my XXXX dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my XXXX report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.
Product: Student loan

This is my 2nd complaint against MOHELA. I am under the XXXX. I have submitted 4 years of W'2s from the employer where I use to teach but it is now closed. The XXXX are for XXXX and XXXX. I received notice today XX/XX/XXXX That I am not eligible for loan forgiveness. The documents that I submitted on XXXX XXXX that includes the W2s and the check stubs is marked as duplicate form. I really don't understand why they are no reviewing these documents. Instead they are labeling the documents that I uploaded as duplicate forms. I submitted everything that I need in order for my loans to be forgiving. I have provided more then 10 years up up proof of my employment.
Product: Student loan

I contacted Mohela on XX/XX/XXXX to complain and get this corrected : Mohela is applying my employer contribution of XXXX to the interest. 
They apparently started doing this in XX/XX/XXXX. I just noticed. 
They stated they sent an email out and said I could not change it. 
They said it is now a 'policy ' if the payment is not made on the exact same date as my payment, it will now go to interest and there is nothing I can do about it. 
They know that this is not possible to line up all employer contributions to go on the same day as the payment. Besides the fact that I am XXXX XXXX XXXX and have $ XXXX in student loans that I am trying to pay back, this small contribution that my employer makes on my behalf should be applied to the principal as was the intention when this program was initiated. I think it is a complete scam that they 'changed " their policy. This contribution was to ease the burden of the student loans.
Product: Money transfer, virtual currency, or money service

Im failing against cash app ( block ink ) due to inadequate customer service and un fair practices witch violate the consumers financial protection act cash app fails to provide service and took a fee from me for immediate deposit and was not reserved for XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies like XXXX are distributing 20 year credit reports which are being utilized by illegally staffing agencies, housing, and other types of businesses. The credit reports are highly inaccurate and do not display current information. The information is not current and does not have the correct information on it. Under the Fair Credit Reporting Act, credit and collection agencies reporting for Texas can only run credit reporting for a four year period starting from the current year to the previous three years. Housing can only run a two history starting from the current year to the previous year. I am receiving calls from individuals on car warranties on vehicles that I haven't owned since 2001.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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