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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00}
Product: Debt collection

I have been threatened and cursed at by both the credit card company and the collection agency. Since having to deal with this rude behavior I want this account deleted from my report or an offer of 75 % of the payment along with a deletion of this account from my credit report.
Product: Money transfer, virtual currency, or money service

Wanted to send {$1600.00} to XXXX, a business that sells gem rough. I negotiated for a week to buy a certain piece. I wired with WU using my debit card XX/XX/2020 XXXX XXXX Refunded XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX It was cancelled after three days of not letting the recipient collect., money refunded XXXX resent the same wire XX/XX/2020 XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX they still refused to give the money in XXXX. 
This is still on the record but refund not made as of today XX/XX/2020 I spent a half day trying to get an explanation and have saved chats. So they say the XXXX was cancelled, but my money is still with WU. I resent the wire again, XX/XX/2020 XXXX XXXX In progress XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX Again, Money held XXXX XXXX XXXX. After waiting an hour for WU phone department to take my call, ( Telephone is limited to XXXX and the people are not trained to understand anything. ) They told me it was okayed, and then after ten more minutes told me it was cancelled for the third time, they said they suspected a scam. Meanwhile recipient does not want to do business with me again, WU in XXXX told him I had put a hold on the money. So as of last night my bank account was down to zero and WU had 2x {$1600.00} of mine including service fees. 
They also use an exchange rate 7.5 % lower than intl. exchange rate, and WU customers may think that the exchange rate shown is the official exchange rate, but it is way lower. It is a deceptive business practice. Also, it is not " money in minutes '', it days to wait for cancellation and refund.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me with all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of GEORGIA along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me with an updated copy of my credit report upon completion of your investigation. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

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: Credit reporting or other personal consumer reports

I am not responsible for this account. This account belongs to my deceased husband, XXXX XXXX. The vehicle was repossessed and sold. 


XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the account listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that this account be immediately removed from my credit report to protect my personal and financial information. 
Affected Account : XXXX  XXXX - XXXX - XX/XX/year> - {$1600.00}
Product: Checking or savings account

I deposited a check on XX/XX/XXXX through the mobile app. On XX/XX/XXXX Ally locked my account completely. I called and was told the check bounced. They told me they would need to do an investigation. I called back on Wednesday XX/XX/XXXX and Friday XX/XX/XXXX for an update but Ally was not able to provide any update. My paycheck direct deposit was posted on Wednesday XX/XX/XXXX, which would cover any negative balance caused by this deposit being returned. I still do not have access to my own money. I can not pay my rent which is on Sunday XXXX, and will incur late fees from this, or any other bills, or have any money for regular day to day expenses. Ally isn't able or willing to give me any indication as to when or if this will be fixed at all. This is an unreasonable and very troubling amount of time to lock someone out of their own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX ; and the company that I am filing a complaint against is XXXX XXXX. when i began my credit building journey i was fresh out of high school and decided to start with self XXXX years ago ; there was an issue with my autopay which resulted in me receiving a late payment on my report. i havent received a late payment before or after that incident and now that im on the market for purchasing my first home this negative item on my report is the only thing holding me back. Representatives at self are refusing to give me a concrete answer or offer any help for my situation and the CEO has completely ignored my emails.
Product: Student loan

my wife and I have been trying to get Fedloan Servicing to properly calculate out student loan payment. It is extremely difficult to work with them. Long waits on the phone, they are only open on weekdays, their website logs you out extremely fast once you login and you lose your place and/or have to navigate through their entire site again just to be logged out again. I feel like they make it extremely difficult for the consumer to get Fedloan to do their job correctly. Fedloan has always miscalculated our payments and we have to spend numerous hours trying to resolve this. We are bright, patient people but this process is confusing, slow and at times, unresponsive.
Product: Mortgage

I am assisting my aunt with a short sale on her home. Her loan is being serviced with a company called Select Portfolio Servicing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ). She has been working to get this resolved since XXXX of XXXX, and has now submitted her 3rd offer. All XXXX offers have been equal to or greater than the XXXX value. Everytime an offer is submitted my aunt is required to send new documents. Everytime we call and ask if all information has been received, and they say yes. Then we call back for a status and they state they need someting else. Then the original documents expire and we have to submit again and reapply. We keep going in circles. After we lost the first XXXX buyers I called and complained to the Ombudsman office. They assured me that this time would be different and that they had everything needed. However when I called in for status, they again are asking for something additional that was not requested initally. We are getting no where and now time is running out as foreclosure is moving forward. We have a current cash offer for fair market value and we can not get an answer. The current XXXX is going to expire on XXXX/XXXX/XXXX and they still have not submitted the offer to the investor. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I took a private student loan out with XXXX XXXX in XXXX. I was in deferment of this loan until XXXX/XXXX/XXXX due to half time school status. In XXXX XXXX of XXXX, the loan was bought out by Wells Fargo. By XXXX XXXX, I was told that i was already {$230.00} past due. I have record of payment for XXXX through XXXX with the request of a forbearance in XXXX XXXX. With no word on forebearance I continued to struggle through payments. However, payment was made in XXXX and XXXX and on XXXX XXXX XXXX, I was defaulted. I worked with them to rehabilitate the loan despite continued hardship and the deferment of my other federal loans. I have record of payment to rehabilitate the loan from the XXXX after deferment to XXXX. In XXXX of XXXX, the loan was sent to a collection agency ( XXXX XXXX XXXX ) They offered to settle out for {$8400.00} which I did not have. I told them my financial income and expenses and said I could make payments of {$150.00}. They would not agree to this and continued to harass me until the following XXXX XXXX XXXX ). Messages for this debt have also been left on my phone for a XXXX XXXX. The loan was then passed off to a second collection agency which also harrased me and tried to take {$2000.00} from my checking without authorization. My bank denied the transaction. Harrasment became so bad and they were so unwilling to set up a payment plan that a cease and dissist letter was written so that they stopped contacting my employer. Since XXXX of XXXX, I have worked to try and continue sending payment. However I have no access to my wells fargo account online and neither the collection agency or wells fargo will return a call. The money I have sent is continued to be cashed but i have no way of seeing how much is owed ( if any ). Therefore, I have no way of settling out or continuing to make payment and know that it is being applied legally to the loan. Despite any past hardship I might have had, I paid this loan in accordance to the promissory note terms and feel i was illegally put into default. Regardless of the default I am now able to pay this loan but currently have no way of knowing where my money is going and what is left to pay. Any help is appreciated!!! I am working hard to do the right and honest thing.
Product: Student loan

I had a previous complaint filed that Navient responded saying they would provide me with the School Misconduct Application for since my private loans were eligible due to being a part of the XXXX XXXX XXXXXXXX lawsuit for having attended and taken out private and federal loans for The XXXX XXXX and having my federal loans forgiven due to school misconduct. I've yet to receive this application from Navient online or via physical mail. They have not responded to my feedback left after seeing they still had not sent this application so I could get my private loans not only discharged, but refunded for all amounts paid due to their misconduct with working with The XXXX XXXX, which was found to be scamming their students.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.
Product: Checking or savings account

My bank contacted me about my complaint. The person I spoke to with the bank said there was nothing they could do since I was the victim of a scam, and not a victim of fraud. Isn't a scam a fraud? I was told by the bank representative There was " no money '' in the XXXX bank account, and that I had sent XXXX XXXX the money by wire transfer, and that they didn't steal it but they stole our item by not sending it to us and said there was no fraud. Of all the fraud we have encountered with the banks were more than willing to do a reversal. We also thought they could do a reversal if something went wrong and the bank never make it known that you a can't always get your money back. This is outrageous. We made a purchase from the company and wired money according to their invoice with insurance and they said they wanted more money, over half of what they quoted us, isn't this a scam and deserve a reversal or is this an employee making the call.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

XXXX ] [ XXXX XXXX XXXX  [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] XXXX Transunion XXXX Subject : Request for Investigation and Removal of Negative Items Dear XXXX, Transunion, XXXX I am writing to formally dispute certain items that appear on my credit report dated [ XX/XX/year> ]. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Achieve Personal Loans I have reviewed my credit report, and I believe that the entries listed above contain inaccuracies or outdated information that do not accurately reflect my credit history. 

Provide a brief explanation of why these items are inaccurate ( e.g., paid off, incorrect balance, identity theft, etc. ). Be sure to include any relevant evidence you might have, such as payment receipts, correspondence with the creditors, or identity theft reports. ] According to the 15 U.S. Code 1681 Fair Credit Reporting Act, I am entitled to dispute inaccurate information contained in my credit report. I kindly request that you investigate these accounts and confirm their accuracy. If you find that these accounts are indeed inaccurate, I ask that you remove them from my credit report as soon as possible. 

Please find enclosed copies of any supporting documentation that substantiate my claims. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your help in resolving this issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Report 15 U.S.C. 1681m ( a ) requires a specific adverse action notice when adverse action is taken based on information contained in a consumer report. Im not responsible for this
Product: Credit card

I've consistently made timely payments on this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Product: Credit reporting or other personal consumer reports

I disputed items on my credit and they have not fixed it
Product: Credit reporting or other personal consumer reports

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

Incorrect names and addresses that I have requested several times to be removed from the report are still present.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX  credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting

I have disputed this in the past with this company to no avail because they do very little to investigate disputes. A medical office closed without sending me a bill and then put it into collections. I had no prior knowledge of the bill of only {$55.00}. As soon as I was contacted, I paid the bill in full. I am now trying to get a mortgage loan and being penalized due to this account. I do not have a single negative mark on my account other than this and I want it REMOVED. My mortgage company tells me it looks as though the negative collection has recently been put onto my credit report. Again this was a medical bill that is not even supposed to affect credit scores as of the new rules imposed.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX