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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX, Account number XXXX, XXXX. {$180.00} XXXX XXXX, Account number XXXX, XXXX. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

From the month of XXXX, I have been contacting XXXX XXXXl to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXX via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
Product: Student loan

Since  XXXX     2012 Navient ha s been telling me that I can only forebare and default loans and that they do not offere income based repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXBalance : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

Involves XXXX XXXX ( myself ) and XXXX XXXX ( my Father ) Both are joint account holders Involves Credit Acceptance. 
Involves vehicle purchase from XXXX XXXX XXXX XXXX ( the dealership were car was purchased from ) Credit Acceptance can not validate that they were lawfully a financer of the vehicle due to no signature. 
Vehicle was not properly financed. Credit Acceptance was chosen by XXXX XXXXXXXX XXXX XXXX Not by myself nor my father. 
Me and My Father were forced to make payments and could not refinance vehicle. 
Credit acceptance did not properly reflect/report payments. 
Credit Acceptance threatened repossession and legal action.

Credit Acceptance made harassing phone calls.

Credit acceptance interest was too high especially since I am a Veteran. 
The dealership illegally registered the car in my Fathers name using my Drivers license information. 
More issues can be addressed at later time. 
Credit Acceptance is under investigation for the same issues by the Attorney General of New York. 
I have filed a complaint on these issues through CFPB in the past. 
Needs credit acceptance report removed from mine and my fathers credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple complaints I submitted to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Per FCRA Section 605b, the Credit Bureaus are required to remove any account and information that resulted from an Identity Theft. I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Kindly delete these information on my Credit File that were opened due to Identity Theft ; Name : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Law Offices of MBA XXXX XXXX in the amount of {$59.00} Law Offices of MBA XX/XX/2022 in the amount of {$200.00} Law Offices of MBA XX/XX/2022 in the amount of {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 4. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX
Product: Debt collection

COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM ELAN FINANCIAL SERVICES THEY HAVE RECEIVED 6 LETTERS  FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT!

THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED ME.
Product: Debt collection

I signed up for a service for a company called XXXX in XXXX of XXXX. Comenity Bank was assigned as the collection department. I closed this service with XXXX in XXXX of XXXX. XXXX provided me a cancellation and refund agreement in XXXX of XXXX where they fully refunded my account to Comenity Bank in XXXX. The account was closed. 

However, every month after XXXX, Comenity bank is still charging me to pay the remaining balance. I have provided Comenity bank with documentation through their online portal and via mail showing proof from XXXX that my account was closed and they were refunded the remaining balance. Ive been in contact with Comenity Bank for the last 3 months and they continue to keep charging me and its showing Im 3 months late on my account. I contacted Comenity bank on XX/XX/XXXX, and spoke with the customer service rep who confirmed that the account was closed in XXXX but then would not provide me a sufficient reason why Im still late on the last 3 months of payments. These late 3 months payment that they have on my closed account has dramatically decreased my credit score and they continue to tell me to wait for the dispute to get settled, while still charging me every month.
Product: Credit reporting or other personal consumer reports

All hard inquiries from my report is not authorized by me. please investigate & delete ASAP Filed FTC REPORT
Product: Mortgage

Despite my informing my XXXX mortgage holder with regards to my reduced income and the inability to pay on or prior to XXXX of the month, I am receiving repeat phones calls daily from Springleaf Financing. I always pay on or before the XXXX of each month. My payment is due on XXXX and by XXXX without a late fee! 
It is now XXXX XXXX Eastern Standard Time on Saturday, XXXX XXXX and already received 4 calls from them. I no longer answer them and they are calling on my cell phone as well! I have asked they never use that number, but they chose to ignore. The interest rate is also very high! 
Please help in getting this matter resolved!! 
Thanks in advance, for any assistance that you may be able to provide. 
Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Please refer to attached Debt Validation letter. 

As per XXXX XXXX XXXX # XXXX, my debt validation letter was delivered to True Accord on XX/XX/2023. It passed the 30 days timeframe allowed by FCRA. So they're already in violation of 15 USC 1692g. They're collecting on behalf of XXXXXXXX XXXX. 

On my letter, I advised that they are allowed 30 days from date of reciept of letter to comply with my debt validation request otherwise, I want this account ceased & desist. I also want this Account DELETED off my consumer report. Its passed the timeframe.
Product: Debt collection

ACCOUNT NAME CAINE & WEINER COMPANY XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

The mortgage servicing company for XXXX XXXX XXXX, XXXX, Az. failed to return excess funds at the close of escrow on XXXX XXXX, 2015. There appears to be a large accounting error and poor management oversight with our escrow account. The company Midwest Loan Service , Inc., failed to respond to therequest by the Title and escrow company handling the sale of our property. This failure has caused extra funds to charged via escrow at closing that were already covered in the escrow account. Also, they indicated that the property taxes had been paid to XXXX County, when in fact they had not! As of this writing, this company has not provided a proper audit or explanation of what happened to the funds accumulated in the account.
Product: Credit card

There were suspicious charges of my account that I was not aware of, and I contacted the credit card issue when I saw them on my statement. I left them know that those charges were not mine and they started a dispute. About a month later, I realized that they had only disputed one of the charges, not all of them as I requested, so I had to request that those charges were fraudulent and dispute them again. I had not had any contact from the credit card company and noticed those charges had been placed back on my account without me knowing so, and without anything and writing from them. They promised that they would contact me with the resolution on the dispute and let me know what it happened. Otherwise the charges would go away if I didnt hear from them again. Good thing I checked because they stuck them back on my account with interest.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXXXX Spoke w XXXX  and opened dispute. Opened another dispute in XX/XX/XXXX XXXX  I requested account be deleted as it was incorrect and did not belong to me. 

Accounts incorrect are XXXX XXXX XXXX XXXX
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 Per section 609 , I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 





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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion and the XXXX  Having too much wrong report on my account please remove them all
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The purpose of this letter is to inform CFPB that I have asked Equifax, XXXX and XXXX to remove all inaccurate and unverified information off on my consumer credit report. I have not been notified by any of the 3 credit reporting agencies of their intent to remedy this damaging description. It has been more than 30 days, I am requesting CFPB to investigate this gross error and demand correction for violating my rights under the FCRA. 

Each bureau was notified via letters on 3 separate attempts to correct this error, to no avail. The original letter is dated XX/XX/2021 ( please see attached documentation ). Thank you in advance for your assistance and I am looking forward to hearing from you.
Product: Checking or savings account

Bank of America shut down my account. Followed up again regarding funds in the account with no help.
Product: Debt collection

I am seeing on my credit report that a third party collection agency is attempting to collect a debt in the amount of {$1300.00}. It is illegal for this Sunrise company to receive my personal information with no written consent to retrieve personal information. It is also illegal for XXXX XXXX XXXX to sell my debt to a third party company along with my personal information. This is a violation of my rights and will like this to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 an account from XXXX appeared on my credit report with a balance of {$240.00}. I started a dispute with Experian to resolve this issue because this balance was paid in full and loan was officially closed on XX/XX/2023. I also provided Experian with my loan validation letter provided by XXXX  that states this has been paid in full. Even with supporting documents showing my payment, loan ID and other verifying information Experian did not take this into account. The dispute was resolved with a statement saying that XXXX has confirmed that the reporting is valid. I proceeded to contact XXXX  on XX/XX/2023 and they confirmed that I have made the full payment and was unsure why their back office is reporting this to my credit report. I made a complaint and the representative insured me that it would be escalated and I would hear back them by email. The same day their back office contacted me via email stating that the report is valid which is incorrect. I have my loan validation letter and also bank statements showing the amount and when it was paid to XXXX.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and i noticed some unauthorized inquiries on my credit report that i didnt authorize. 

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