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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX PRESTIGE FIN Attn : XXXX Department XXXX XXXX XXXX XXXX UT XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Debt collection

disputing this account XX/XX/XXXX this is not my account i have never had an apartment and never authorize this account XXXX is reporting this wongful account on my credit report this is name of the account XXXX amount {$1000.00} this is a fraud account
Product: Debt collection

Hello, I received the following emails along with the applicable amounts. I have also attached the emails as well as my response to both emails received. 

XXXX Fri, XX/XX/XXXX, XXXX XXXX  OUTSTANDING AMOUNT : {$890.00} Legal Proceeding XXXX Tue, XX/XX/XXXX, XXXX XXXX  OUTSTANDING AMOUNT : {$970.00} Action that this creditor took was : Send the above email with threatening words in the attached emails. On Saturday, XX/XX/2020 a Process Server came to my home and put a notepad note ( Also attached ) on my door stating criminal offense, obstruction of justice wordings. I do not appreciate this type of harassment over a bill that could amicably be resolved. Harassment and threatening is a violation and I do intend to sue unless this type of behavior is halted immediately!
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate information on my Experian credit report related to both personal information and a collection account. The XXXX XXXX XXXX account ( Account Number : XXXX ) is reported incorrectly, and I am requesting that Experian verify the legitimacy of this debt by providing a complete chain of transfer, documenting each assignment or sale to debt buyers. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough investigation. If Experian can not provide this documentation, I am requesting that the account be deleted as unverified. 

Additionally, there are errors in my personal information. Experian has listed outdated names, addresses, and employment information on my report. I am requesting that only " XXXX XXXX '' appear as my name, and that my current address, " XXXX XXXX XXXX, XXXX, TN XXXX, '' be the only address listed. All other addresses, employment information, and unnecessary generational identifiers ( such as date of birth ) should be removed to prevent errors in identity verification and ensure the accuracy of my report. 

Experians handling of my previous dispute did not appear to meet the standards of thorough verification, and I believe that the FCRAs requirements for accuracy have not been fulfilled. This inaccurate reporting is affecting my credit and could lead to identity confusion.
Product: Debt collection

I installed a new furnace in my house in XXXX XXXX. Through the heating company they gave me a XXXX credit card through Synchrony bank. I thought 'Cool. I can pay this off in installments '. Silly me, I made my payments without issue for about a year and a half. I did n't pay close enough attention because sometime in there they started charging me {$120.00} / month for a card security fee I did not agree to! I sadly did not notice this until all of a sudden I am over my credit limit and they are wanting a payment of {$700.00}. Shame on me. I checked my statements. Apparently to make up for lost time, there were some extra charges in there. I contacted Synchrony. The first person i talked to told me they could n't do anything. I asked for a manager. I explained my situation and she told me i was not the only on that had this happen. Seriously? They think this is okay? She then directed me to another company. I was able to get a {$5600.00} credit. I thought this would help clear up them thinking I owed more than double my normal payment. I was wrong. 
I called them to clear up the misunderstanding and for them to fix the damage done to my credit score. I was told I had a payment that was paid, online, two days after the due date in XXXX XXXX and this was why it was late every month there after. Two days!!! They do not have a grace period and did NEVER mentioned that in any form of communication or on their website. I am now struggling to get my credit score fixed. 
If you look at my account with Synchrony, I do not currently owe anything. however on their end I am {$300.00} behind. 
I would not recommend doing business with Synchrony to anyone. This has been a 3 month battle for me and I am still fighting to get this cleared up.
Product: Mortgage

Ocwen has held onto 3 payments since 2014 ; per their own payment history ; there has not been a consummated loan modification because of the various mistakes that Ocwen has made.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 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. 16815-2 ( 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: Student loan

XXXX XXXX XXXX XXXX made me take out a XXXX dollar loan. I never passed my test and when I managed to take my test, the inspector at XXXX did something, moldy. 

From what I heard, my last complaint got two people fired, inspector and trainer. 

Are you able to investigate into XXXX please
Product: Debt collection

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXXXXXXdismissed Reference number : XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.
Product: Debt collection

This debt was part of a debt that was illegally placed on my credit report for cedars sinai which recalled all my medical bills due to their violation of not notifying me of this. First of all this was illegally placed on my credit report without first notifying me by phone, mail or any other method. cedar sinai has recalled this which was marked paid. A direct violation of Fair Debt Collection Practices Act ( FDCPA ) Grant & Webber are in violation of the Fair Debt Collection Practices Act ( FDCPA ) no mail, no phone call, no letter was ever sent to me, just parking it on my report on experian.
Product: Debt collection

Debt Collection Overview for {$770.00} Total Amount : {$770.00} 1. Identify the Debt Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX  ] Original Creditor ] The date Debt and a contract to verified this debt 18 U.S Code chapter 47 fraud and false section 1014 The date of unpaid rent.
Product: Payday loan, title loan, or personal loan

I recently purchased furniture from a local store in TN and decided to finance it through one of there leasing companies ( 3rd party ) Merchants Preferred Lease out of XXXX, GA. 
I have almost completely paid off what i owe for the furniture, however recently I've been hit with financial troubles and have not been able to make the bi weekly payments that were agreed upon for the last month or so. I called the company to see if we could work something out or postpone a payment or two until i was able to pay the remaining balance in full but the company informed me they are unable to work with me or change any of the initial agreements. 

I politely asked for them to discontinue ACH payments via my bank account due to funds not being available in the account on the scheduled transaction dates. Due to that reason, i was receiving late fees & return item fees from both my bank and the lender. I called back again to ask again for this to stop and they declined to do so. 

Recently, a federal law was brought to my attention that protects consumers in situations like this. I was informed that this federal law prohibits a lender from withdrawing payment after two unsuccessful attempts. An email was sent to me today informing the 3rd attempt will proceed tomorrow XX/XX/XXXX. The first two unsuccessful attempts occurred on XX/XX/XXXX & XX/XX/XXXX. 


FYI- The first attachment labeled " CFPB '' is an email that made me aware of this law from another lender.
Product: Checking or savings account

Wells Fargo is still syaing I owe this money. I dont know how I or my XXXX year old son could make these transactins in CA and XXXX. How could I make a XXXX transaction when I dont have an account with them. How can I be in XXXX XXXX Fl.were we live and make transactions in California and XXXX at the same time. I have never been to CA or XXXX and this was all done during the covid-19 shut down. This is unexceptable. You can plainly se the transactions before this all started to happen were all {$10.00} {$20.00} transactions. I called as soon as someone made a {$2200.00} deposit that was not mine. I will see them in court and no judge will side with Wells Fargo after seeing the history of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on my credit report that my student loans are delinquent and they are not. I would like to have that off of my report.
Product: Debt collection

I have reached out to the Credit Bureaus and the Company TideWater XXXX back in XXXX about their inaccurate reporting to my credit they still continue to report negatively to my credit. They reporting that the amount is {$8600.00} on one credit bureau site then a total different amount on another. I have tried to get this situation handled with them ignoring my request over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against Santander with the CFPB and I was told to call the CFPB which I did for my results. Well according the representative for the CFPB she told me it was nothing they can do for me because Santander told them that I had attorney and they could not speak to CFPB about the matter and the comments that they put on my credit report as a paid charge off. Even though our agreement was once I paid the amount they gave to me that day on XXXX2015 and by a certain time which was XXXX that day they will closed the account and have it as paid and closed on my credit report, but that was a lie they only told me that so they can get my money and still put negative reporting on my credit report and they still sent me a XXXX for the remaining balance but listed it as a charged off and now since I called and file a complaint with the CFPB they have updated my credit report with all kinds of LATE FEES and negative markings, like as a retaliation to me from their company because of me filing this complaint and I did this because they are a very dishonest company and have had several complaints wrote up on them for this same situation. All I want is for Santander to do what they promised me before they took my money and that is report truthful information and stop being dishonest saying I have attorney on my account and IF THAT IS THE CASE then : I am giving CFPB the permission to access and find out any information that is on my account.and like I stated before the FRCA states the information should be true and accurate and not JUST START reporting negative information since a complaint was file with the company ( Santander ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022
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 :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX   XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX  XXXX XXXX Balance Owed : $ {$0.00}
Product: Bank account or service

I sent a letter on XXXX XXXX, 2016, by US Mail to Citizens Bank in XXXX ( directly to XXXX XXXX, manager of the XXXX XXXX branch, with whom I had spoken previously ), requesting XXXX info on my late uncle 's account. I followed up a month later by telephone and was asked to email the letter, which I did. Numerous follow-up calls, emails, and letters went unanswered. It was not until I took my complaint to XXXX and XXXX that I got the desired result, more than 6 months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a company by the name of XXXX XXXX XXXX illegally added an old account from 3 years ago, ( that I included in my Chapter XXXX Bankruptcy schedules ) to my XXXX   credit report as an owed debt they're trying to collect on. The original creditor was XXXX XXXX XXXX. So I disputed this directly with the collection agency XXXX and credit company XXXX, as well as filed a CFPB complaint. Days later, before XXXX received my bankruptcy schedules, showing the original creditor, they sent me dispute results stating that the creditor verified information and would stay on my report. A few days after this, upon receiving my bankruptcy schedules, XXXX  realized XXXX XXXX XXXX was being dishonest, so XXXX then updated my dispute results showing they removed XXXX and XXXX XXXX from my credit report. on XX/XX/XXXX, I decided to check my other two credit reports ( XXXX and Equifax ), and realized XXXX XXXX XXXX had also included this old account on to these reports as well. Being that I disputed them directly showing proof that they were illegally trying to collect on a discharged debt, they listed the account differently on XXXX and Equifax reports. It's listed under collections, showing it was included in my bankruptcy. Thing is, any other accounts listed under my bankruptcy aren't listed as collections because they are no longer owed debts. I tried disputing this, getting the information removed with both XXXX and Equifax, being that its false reporting which is against the law. I just received a new report and dispute update from XXXX showing they removed XXXX XXXX XXXX from my credit report, while Equifax says it'll remain on my report showing as a collection. This company maliciously added this information to my credit report, 3 years after me filing bankruptcy and is very damaging to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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.
Product: Debt collection

I was never notified of this debt in writing or by phone call from the debt collector. I discovered the account on my credit report and had no opportunity to resolve the matter before suffering negative consequences of a collections account on my credit report. The debt collection agency has never contacted me to discuss this debt.
Product: Student loan

As a result of the court injunction halting SAVE repayment plans, I have been placed on administrative forbearance since XXXX of XXXX. I've been looking to switch to a different IDR plan to finish making my payments and qualify for PSLF. I submit an IDR application on XX/XX/. 

According to the latest correspondence I've received from the ED, " If you submit an application to enroll in an IDR plan other than SAVE, but your loan servicer is unable to process your application within 10 business days of receiving the application or before your next billing statement will be sent, you will be moved into a processing forbearance for up to 60 days. During this period, you do not have to make your monthly payments on your student loans, interest is accruing, and time spent does provide credit toward PSLF* and IDR When you are moved into forbearance, your loan servicer will notify you about which type of forbearance you are in and which previous months were covered by which type of forbearance. They will also notify you when you have been placed in a new IDR plan. '' It has been more than 10 business days since I've submit my application ( and MOHELA verified receipt of the application ), but I haven't heard any information about whether or not I've been placed on processing forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}