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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts listed on my credit report for XXXX XXXX. I have never had an account or contract with this company. This collection account is reporting a past due amount ( not possible because there is no contract and no payment schedule ). They are also reporting a payment history on a collection account that is re-aging this debt. There should be no payment history listed on a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX is reporting on my XXXX and Experian credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to XXXX as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my XXXX XXXX and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some things inaccurate on my credit report with Experian credit bureau. I disputed hard inquiries to my credit report on XX/XX/XXXX and the company didn't provide me with information regarding my dispute and the inquires still remain on my credit file. I provided to them the following inquiries were not authorized by me and asked they be deleted.The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Also on XX/XX/XXXX I sent a certified letter requesting the removal of inaccurate Credit information on my credit file and asked that those items be updated or removed. I asked for XXXX which is reporting late payments to be updated or removed. I received an update online yesterday XX/XX/XXXX that it was updated from the processing of their dispute but nothing was changed ( and I provided my payment history to them along with my dispute ) I disputed XXXX XXXX XXXX  asking that it be eradicated from my credit file as they are alleging negative claims and still yet deficit proof of truth or correctness. The update received by them XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX/XXXX  Card as they were reporting late payments. I provided a copy of my payment history to them, the update I received XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX XXXX XXXX asking they eradicate this from my credit file as they are alleging negative claims and still yet deficit of proof of truth or correctness. The update received XX/XX/XXXX states it was updated but there was no change.
Product: Debt collection

This company has stolen my identity and has charged up 3 different cards and is illegally collecting on debts that I believe someone in their company opened. They can NEVER provide signatures from receipts or even the contract. This company has also illegally changed my address on my credit report TWICE!!! They have NEVER confirmed any information with me and I am still waiting for proof that the letters from the original creditor were actually sent. They can copy/paste and change the date on the letter to have it fit their narrative. They have harassed me over a debt that isn't even valid. They have NOT followed fair debt collection practices. Where is the signature? Where's the
Product: Money transfer, virtual currency, or money service

I decided to open a account with venmo XXXX,XXXX the XXXX  , upon signing up venmo ask for your first and last name, venmo does not demand your first legal name and your last legal name... I put my middle names as my first and last name which are XXXX   XXXX  I was successful on sending on transfer to a friend and upon me sending a transfer to bank account that was verified by venmo verification department before I could do a ACH venmo made me verify my identity which I did I put my legal first and last name along with my address and last 4 digits of my SS number, now when my deposit date comes for from my transfer from venmo to my back account.. my back returned the deposit due to the name didn't match my account the name was XXXX  XXXX , I immediately informed venmo of this situation and also informed them that I would will be changing my name back to my legal name which is XXXX XXXX.. why would venmo send a ACH without putting my legal name which venmo verified before even initiating the ACH transfer.. now venmo has frozen my account I don't know where my money is, venmo has asked me to upload my driver's license picture.. which I did with myself in the picture along with a picture of me and my debit card that is under my venmo account.. I have not heard anything back from venmo I have emailed them multiple times the representative doesn't even know why my account is frozen or rather why is there a case even open..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete a negative item even though the company has sent me a letter stating they have ceased collection against me. The company XXXX XXXX XXXX can not provide written proof the collection is mine. Therefore, they have ceased collections against me. It is against the law to report the debt when they can not provide written proff it belongs to me. I have disputed the collection of XXXX on XX/XX/2020 and sent Experian the letter that states the company is ceasing collection. Nonetheless, XXXX XXXX XXXX fraudulently keeps validating the debt dispit not having proof of ownership for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.
Product: Debt collection

Ive tried to dispute multiple cases on my credit report n no help some body has been using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have submitted over 3 disputes with TransUnion XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days TransUnion & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.
Product: Credit reporting or other personal consumer reports

For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX out account.
Product: Student loan

I was contacted in XXXX 2015 by XXXX that they were cancelling my XXXX accounts due to a charge off by Citibank. I was stunned to learn that Citi bank had charged a student loan to my credit status that I was to have co-signed without my knowledge or consent. I have asked for information and verification from the Citibank and they have not submitted the information requested. I asked for copies of my signature on the loan a copy of the check bearing my name, any phone calls made to me or any communication made to me or attempts to contact me to inform me of this account prior to charge off. I have not received any of the information requested. They send me copies of documents bearing no signature however marked electronic signature was taken. I asked for how they authenticated my identity I was told by information on my credit report no direct communication was required apparently. I asked for a log of phone calls made to me, none was made, I asked for a copy of the check bearing my name there is no record of this. I asked for collection procedures and I was mailed a series of letters mailed to an address I do not live at. My Credit score was in the high XXXX to XXXX range and to have it intentionally destroyed without notice was devastating. I have attempted to resolve this matter with Citibank however they have refused to provide the information requested or try to assist in any way. I asked why was a credit report not pulled to reach me and I was told they do n't pull credit reports however they pulled a credit report to acquire my information to give a loan without making contact with me in anyway. I find it very disturbing that money was granted on an electronic signature and without getting my approval. NO effort was made to contact me. It would have been resolved very easily with a phone call. However my credit was destroyed without any attempts to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled this Debt with Discover there is no collection activity on this Account. 
Courts have ruled it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. See, e.g., In re Crosby, 261 BR 470, 474 ( Bankr. Ct. D. Kan. 2001 ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the Discover to enforce its claims against me. 

Discover Bank v. Shimer, 36 Misc. 3d 1214 ( A ), 1, 957 N.Y.S.2d 263, 263 ( N.Y. Dist. Ct. 2012 ) ( holding that it is inequitable to allow Discover to belatedly enforce the alleged debt after it received the tax benefit of the charge-off )
Product: Mortgage

On XXXX XXXX 2016, we received a new statement for XXXX XXXX 2016 from Ocwen Loan Servicing. This statement reflects that Ocwen has raised our payment from {$690.00} to {$720.00} per month. Our modification agreement clearly reflects a 2 % interest rate. Our statement on XXXX XXXX 2016 from Ocwen clearly reflects that they were putting {$300.00} towards the principal, {$240.00} towards the interest and {$140.00} towards the escrow for taxes and insurance, totaling {$690.00}. Per our XXXX 2016 statement, Ocwen is charging us {$300.00} for principal which is more than previous, {$240.00} for interest and {$170.00} for escrow which is more. Now, several days ago I contacted Ocwen Loan Servicing regarding this issue. I asked them to send me an annual escrow account disclosure statement. On XXXX XXXX 2016, we received this statement. Please refer to scan # XXXX. Ocwen reflects on this escrow history the amounts paid into the escrow. The issue is, we have paid two months in advance, per our statements. The escrow sheet clearly reflects that Ocwen received the last escrow payment in XXXX 2016 and nothing in XXXX, XXXX or XXXX 2016. With this information provided, we should not be short in our escrow account because our insurance is not due until XXXX and our taxes are not due until XXXX 2016. This means, we should have more than enough funds within our escrow account to pay out taxes and insurance when they become due. Ocwen did not need to raise our monthly mortgage payments due to there mistake! If Ocwen Loan Servicing can not service this loan correctly, then we should be allowed to pay our property taxes and insurance ourselves. There is nothing with in our modification agreement nor our original loan documents that reflects that we are not allowed to make these payments on our own. Ocwen is clearly un-professional and Ocwen must allow us to pay our taxes and insurance ourselves.
Product: Debt collection

Hi and Good Evening ... .I 'm writing you guys again, because i been going back and forth with Portfolio Recovery Associates in regards to alleged debt that they bought from XXXX XXXX. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXXXXXX XXXX- {$170.00} - XXXX OF ED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED. 

Delete the above inquiries and fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

I formally requested XXXX, XXXX, and Experian to investigate an fraudulent account on my credit report, after providing them with my personal information including ID and social they forwarded/ sold all my documents to the party in question. Waited more than 30 days to respond then emailed me saying the investigation was complete without providing any valid evidence or proof of their claims. I am a victim of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in removing all inaccurate information from my credit report with Equifax to help clear my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax uses bogus information in their questioner to identify users for accessing their online file and has for many years. The claimed accounts and amounts they use as questioners have nothing to go with the account holders in question. ( Example : never had student loans or car loans ) Mine, my wife, friends and family have all confirmed this bogus questioning for years. 
They deny online access and demand jeopardizing ones personal identity by requiring personal information sent through a antedated ground mail system that losses mail or is easily pilfered for information. 
I have even went through the call in process and was given the same bogus varication questions that had nothing to do with my file now or ever. Only to be told to follow the written process sending in documents. 
In short they are denying peoples free online credit report by requiring answers to questions that aren't in the persons credit report or even related to the person in order to force people to mail in copies of government documents and personal paperwork. At this stage they will still deny the report asking for even more copies of government documents and personal paperwork delaying the access to ones credit report by weeks, months or by needs.