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

Experience has this unknown information that I requested removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX Il XXXX XXXX. XXXX XXXX XXXX Il XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US SM BUS ADMIN ODA Federal , 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
Product: Mortgage

USAA and XXXX XXXX  were reluctant ( decline ) to give me the third option of getting out from my forbearance. 
These are the option : 1. ) lump sum payment.

2. ) re-payment plan ( modification/re-finance ).

3. ) to put due amount ( 3 month of forbearance ) to the very end of the loan. 
My loan is a VA type of loan in the first place. 
USAA/XXXX XXXX denied me of the third option which I'm specifically ask/requested before the forbearance started in XXXX. 
I'm willing to get back to normalcy of payment but they're forcing me to take the second option which I didn't approved. I ask for the third option in the first place from the very beginning of forbearance.
Product: Mortgage

I have a home mortgage loan with PenFed Credit Union for my residence in Washington State. Upon signing for my loan, I choose to received my monthly statement/bill by US mail ( declining electronic only option ). Back in XXXX of this year, PenFed stopped sending me my monthly statement/bill. I initially noticed that I did not receive a statement and called PenFed in order to get the balance, inform I still want the monthly statement by US mail, and to pay by phone for that month ( XXXX ) since I did not receive the bill. I had given my bank account information for that payment, but it turns out they had a record of the call but lost the transaction. I received a notice later in XXXX that my account was past due. I called several times to identify and straighten out the problem. Eventually the payment issue was corrected but they indicated they now change $ XXXX from my savings going forward in order to continue to receive my monthly bill/statement by US mail. Given that I singed-up for the mortgage with paper option I do n't think they should be charging me a fee every month in order for me to receive my bill. Can your agency please help me work with PenFed to go back to sending me the monthly statement/bill by US mail without deducting $ XXXX fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted the payments to bring the account to a XXXX balance. In addition, I was promised if I make the payments my credit history won't be affected. Still today the XXXX account shows in my credit history.
Product: Debt collection

The company that is collecting for this debt is National Credit Adjuster. I 've only spoken to a person twice. The first time i spoke to a woman i was asked to verify with my last XXXX given the mini miranda and asked if i will be able to pay the bill today. I explained that i wasnt able to pay and she tried to set me up with different options i wasnt able to set at the time. That rep proceeded to tell me my acct would be marked as a refusal to pay, even though i explained i wanted to take care of the balance. I just wasnt able to at the time. The second time i spoke to a man. He verified a previou road i lived on, not the physical axdress, gave the mini miranda and asked if icould pay the balance today.I told the rep i am not able to pay the balance but i did attempt to pay the original creditor and they didnt have a record. He explained that they own the dept now so they wouldnt have a record and when i said again i couldnt pay now the rep on the line abruptly hangs up on me. They have not recived tcpa on my line i was only asked if it was a good number by the female rep and hung up on by the male rep.
Product: Credit reporting or other personal consumer reports

My student loans were paid off/down from about {$43000.00} to {$1200.00} XXXX of XXXX. I have a letter stating the new balance and that one of my loans was paid in full. I have contact Nelnet multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year and most recently XXXX of this year XXXX I have been disputing inaccurate information that was being reported by the credit bureaus transunion up till this point neither the companys sending over that information or the reporting agency have accurately and fully have addressed the problem they continue to disregard my attempts to clear my name and credit profile. I have sent numerous disputes challenging the accuracy of these accounts and them belonging to me which they dont Ive asked to be sent any information that was used to validate the alleged debts and to my efforts these have not been verified and to make things even worst are reporting names and addresses with accounts that I never opened.I dont even know how this is allowed to continue and is definitely illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out letters and havent had a response yet I wont these items remove
Product: Credit reporting or other personal consumer reports

account no. XXXX XXXX XXXX for the amount of {$5500.00}. 


Dispute of Unauthorized Disclosure of Information Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure of my personal information by your agency, as outlined in 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that you have furnished or obtained my information without my explicit written consent.

As per the FCRA regulations, it is imperative that any agency seeking to obtain or furnish an individuals credit information must first obtain written consent from the said individual. I wish to assert that I have never provided written consent to your agency to furnish or obtain my personal information. 

This unauthorized disclosure of my information not only violates my rights under the FCRA but also poses a significant risk to my privacy and financial well-being. I demand immediate cessation of any further disclosure or obtaining of my information without my explicit written consent. 

Furthermore, I request that you conduct a thorough investigation into this matter and provide me with documentation demonstrating the written consent I purportedly provided for the disclosure of my information. If you are unable to furnish such documentation, I expect a prompt correction of my credit report to remove any inaccuracies resulting from this unauthorized disclosure. 

Please acknowledge receipt of this dispute letter within the timeframe prescribed by law and inform me of the steps you will be taking to rectify this situation. Failure to comply with the FCRA regulations may result in legal action being pursued against your agency.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account : XXXXXXXX XXXX XXXX Account # XXXX {$1100.00} Reported on XXXX ONLY and XXXX XXXX  Account # XXXX {$110.00} Reported on Experian ONLY Several times. I have NEVER lived at these addresses and this is fraud. After several disputes and myself contacting the company directly the company STILL refuses to send me any information about this account or the debt. Whenever I call they say they are processing this request. How long does it take to process a request more than 6 months, because I have been waiting since the beginning of XXXX for this proof and at this point my credit is suffering because the original creditor is still processing my request to send me any type of information in regards to this debt. Please Delete this account from my XXXX credit report IMMEDIATELY. It should NOT take 9 months to process a request to send me information. The mailing system is NOT that Delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both XXXX and Experian. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.
Product: Debt collection

The debt is from wells fargo. It is a fraudulent debt that was once removed from my XXXX credit file. In XX/XX/XXXX or XX/XX/2019 it re appeared. I contacted Wells Fargo about this issue and in XX/XX/2019 they " verified '' it was my debt. I requested all the paper work with my signature and any and every documentation of this verification to be provided to me. I have spoked to XXXX and XXXX from Wells Fargo recovery and executive office. the executive department number is XXXX. My case numbers is XXXX and XXXX. The debt owed is {$930.00}. I have provided Wells Fargo with a FTC letter and notified them and XXXX I was a victim of Identity theft. Every time I call wells fargo about this issue I can't get a clear answer and im told they will send me the documents. I haven't received anything from Wells Fargo.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

On XX/XX/XXXX I called MOHELA and requested a refund of loan payments I made during the COVID pause. XXXX days later on XX/XX/XXXX I called to confirm the timeline and was told I would receive the refund in 30 business days or less. On XX/XX/XXXX I called again to follow up, waited over two hours to speak to someone, and was told that the timeline was now 60-90 days. The representative and their supervisor both said they could see the call record showing I had been quoted 30 days but there was nothing they could do to honor that timeline. I waited more than two more hours trying speak to another supervisor but eventually the MOHELA system hung up on me. 

My loans were paid off in full during the pause - and just prior to the PSLF limited waiver announcement. I am eligible for PSLF under the waiver, and should be able to receive a refund of approximately $ XXXX paid between XXXX and XXXX following my first XXXX qualifying payments. But my COVID pause payments must be refunded first in order to return my account to active status. PSLF forms under the waiver have to be submitted by XX/XX/XXXX. The MOHELA rep who quoted me 30 days for refunding my pandemic pause payments reassured me that I had " plenty of time '' to submit PSLF forms, since it was then late XXXX. Now, more than a month later, if MOHELA does not issue my pandemic pause refund very soon I will have to submit my PSLF forms first, which I am worried will result in a denial of the PSLF refund of overpayments to which I am entitled.
Product: Checking or savings account

Ive been having this issue with navy federal. When I first got with them I had a fraudulent charge in XXXX XXXX with an rv attractions. I disputed it and they blocked my card for a whole year! 
Meanwhile the dispute was accurate and the company refunded me. So clearly that dispute wasnt frivolous so why did they deny that claim? 

Now fast forward here are the problems again. I stated time over and over Im a victim of identity theft! My ex hack into my XXXX XXXX  steal my credit cards and make copies he even did it with my XXXX  card by skimming it. I reported it to the California victim of crime which I been having an active case with them since XX/XX/2023. I have a police report listing him as a possible suspect. All I know is I myself didnt do those. 

I have a dispute that just came back no error occurred, after I kept stating the manager said she is refunding me. 

Here it is today now that company finally did refund me and like I told navy federal I didnt do that so just imainge if the company didnt refund me knowing its fraud! Navy federal is targeting me! I am not allowed in any bank due to a lie the lady stated at navy federal. Same lady that is married to my childs father! She was very envious and lied! But again they didnt care which I dont mind not coming in. But not allowing me to dispute any item is not okay like why would yall take that feature from me when clearly Im getting refunded! 

I had an appeal going since XXXX and they all of the sudden say its no change due to discrepancies and Im asking what discrepancies when I have a police report and a statement from that company stating they never serviced my vehicle there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter.

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation.

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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

Formal Complaint for Removal of Child Support from Credit Report Account Number : [ XXXX ] I am writing to file a formal complaint regarding the improper reporting of child support obligations on my credit report. Based on the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, I am requesting the immediate removal of all child support entries from my credit report for the following legal reasons : **Legal Basis for Removal** 1. The FCRA defines consumer credit transactions under 15 U.S.C. 1679a ( 3 ) as transactions involving " credit extended to a consumer primarily for personal, family, or household purposes. '' Child support obligations do not meet this statutory definition as they : - Are not extensions of credit - Do not involve a creditor-debtor relationship- Are court-ordered obligations rather than voluntary credit arrangements 2. Under 15 U.S.C. 1681b, credit reports may only be furnished for permissible purposes, which primarily relate to : - Credit transactions - Employment purposes - Insurance underwriting - Legitimate business needs The reporting of child support obligations falls outside these permissible purposes as defined by the statute. 

**Violation of FCRA Requirements** The current reporting of my child support obligations violates several key provisions of the FCRA : 1. Section 1681e ( b ) requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy. '' Including non-credit items like child support violates this accuracy requirement.

2. Section 1681c governs the content of consumer reports and does not explicitly authorize the reporting of child support obligations.

**Request for Action** Pursuant to these violations, I formally request : 1. Immediate investigation of this matter 2. Removal of all child support entries from my credit report 3. Notification to all parties who have received my credit report within the last six months of this error 4. Written confirmation of these actions within 30 days If the requested actions are not taken within the statutory timeframe, I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to : - Actual damages under 15 U.S.C. 1681n - Statutory damages- Punitive damages- Attorney 's fees and costs Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this complaint to conduct a reasonable investigation and respond to this request. 


I look forward to your prompt response and resolution of this matter. All communications regarding this complaint should be sent to :