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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

Very high interest rates. ( 471 - 841 % ) When I click on the loan document. It always gives me an error page. And it still shows I owe a lot. If I go by the payment plan. I would pay over XXXX on a XXXX dollar loan.
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. I am contacting you because I have found some inaccurate information on my credit report. This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. [ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between the consumer and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies in my consumer report. You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. As a result of this, I request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice Thank you for your time
Product: Debt collection

I XXXX XXXX XXXX XXXX Had request debt verification from LVNV FUNDING LLC in regards a Debt showing in my credit report Original creditor : XXXX XXXX XXXX XXXX {$420.00} I did not received enough information
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern , Subject : Identity Theft Notification and Request for Removal of Fraudulent Account I, XXXX XXXX XXXX, born on XX/XX/XXXX, and residing XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, am writing to formally notify you of an incident of identity theft that occurred in my name on XX/XX/XXXX The fraudulent account was originally established with XXXX XXXX XXXXXXXX. The account is reported to have an outstanding balance of {$2800.00} I want to assert that I did not authorize the creation of this account, nor was I aware of its existence until recently. This fraudulent activity has resulted in significant emotional distress and has adversely affected both my credit score and the well-being of my family. 
In accordance with the Fair Credit Reporting Act, I have attached a notarized identity theft affidavit for your review. I respectfully request that you investigate this matter thoroughly and remove the fraudulent account from my credit report at your earliest convenience. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX XXXX [ Attachment : Notarized Identity Theft Affidavit ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries and accounts fraudulently opened in my name after XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.
Product: Credit card or prepaid card

Barclay bank is holding my payment for up to 7 days stating that they have the right to put a hold on my payments. 

That is unfair as the money is out of my account and I can not use the card for up to 7 days later. 

I see it as advantageous. 

Each time I call them about it they say that it was removed and will not happen again. 

Now today the lady is saying there is nothing that can be done and that there is no one else that I can speak with. 

I need my payment to go through as soon as it leaves my bank as I do not have access to the funds anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from XXXX  which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. 
In XX/XX/XXXX, XXXX added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. 

XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, Carrington Mortgage Services, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. Carrington attempted to insert me into his loan modification in XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. 

Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. 

The home was purchased in XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? 

I am writing to ask that Carrington Mortgage remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. Carrington should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.
Product: Debt collection

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.
Product: Debt collection

On XXXX XXXX I seen that a collection from a utility company appeared on my credit report. I called the collection agency and they settled with me for half of what I owed. The original amount was XXXX and they settled for XXXX. Before I made the payment TSI the collection agency told me they would put in for deletion once it was paid. I paid it at the settlement amount and now they refuse to delete it from my credit reports. I feel they deceived me to collect the funds. I would have never agreed to settle if they were going to leave it on my report. 

TRANSWORLD SYSTEMS I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been paying on this loan since XX/XX/XXXX. At the rate they apply my payments, it will take about 40 years to pay it off. No matter how much I send in for payment, they apply XXXX % of the payment toward the interest. The payment is about $ XXXX monthly. My minimum pay- ment is {$500.00}. Some months the entire payment is applied to the interest. 
Even if I send in extra payments separate from the regular payment, the extra payment goes toward interest. Even a {$1000.00} payment only got {$100.00} applied to the principal. They take the extra payments and apply I was told the extra payments were applied to " Capitalized interest '' not toward the principal and the due date was just moved forward. so by paying extra, my next due date is currently in XXXX XXXX even though I make monthly payment. This is government financial XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Reference Complaint Case XXXX. 
I now open a new complaint. 
The basis for the above case was false information, to wit, that I am deceased. This false information was sent by Experian via an intermediate to the XXXX XXXX XXXX XXXX which resulted in denial of a mortgage loan to me. 
The information furnished in the complaint included an Experian attachment which emphatically stated, by Experian, that I was deceased. 
The case was closed based upon information furnished from Consumer Financial Protection Bureau the false information " no longer appears '' on my credit report. This does not satisfy my request for identification of the source of the false information which Experian noted on my credit report. 
An important part of my complaint was for Experian to furnish me the identity of the source of the false information included in the report. To date Experian has not replied to my letter, part of which asked for the identification of the source of false information. 
Experian signed for my letter on XXXX XXXX 2016. It is now XXXX days, as of this date and no response from Experian has been received. The case referenced above includes pertinent documents relative to this complaint.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I attempted to log into my account in order to pay off this loan. However when I attempted to log in my account was locked out, and a password reset did not work. I followed the companies instructions and first attempted an online chat and then sent an email. 

My email traffic was unrequited, and I finally got in touch with a person on the phone on XX/XX/2023, and was informed by the person on the phone that they refused to accept any payment from me unless I forwarded a bank statement. They said only a manager could take this payment and they would call me in 1 to 2 days. No emails were returned and no phone calls wherever made to me. 

Everyday that I was not allowed to make a payment caused a financial impact as the interest rate of this loan is extremely high. This delay tactic, without explanation caused a significant amount of interest to accrue.
Product: Credit reporting or other personal consumer reports

the credit reporting agencies have consistently reported information that infringes upon my rights as outlined under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute inaccuracies, these agencies have failed to conduct thorough investigations, resulting in the continued presence of erroneous information on my credit report. The FCRA stipulates my rights to ensure the accuracy and integrity of my credit information, particularly in sections 611 and 623. Section 611 grants consumers the right to dispute inaccuracies and mandates that the agency must investigate the claims. Furthermore, Section 623 emphasizes the obligation of furnishers of information to ensure that the data they provide is accurate and up to date, allowing for the deletion of inaccuracies when identified. The persistent disregard for these provisions undermines not only my financial well-being but also the core principles of consumer protection enshrined in the FCRA
Product: Debt collection

Designed Receivable Solutions, XXXX XXXX XXXX, La XXXX, Ca XXXX with Tel. XXXX is a debt collector assigned by XXXX XXXX XXXX XXXX XXXX XXXX to collect my medical debt after I went to emergency room last XXXX XXXX. I was never admitted but I was billed {$9700.00}. I was shocked by my bill and I was billed by my insurance {$1800.00}. I paid XXXX thru installment {$870.00} the rest {$1000.00} was assigned to debt collector since XXXX because I lost my job due to pandemic as a XXXX. XXXX XXXX I paid {$300.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}. I have remaining {$410.00} balance. After Designed Receivable Solutions received my payment on XXXX this company reported me to the credit bureau and my credit score from excellent credit went down very low. I called immediately Designed Solutions and I complained. They told me if Ill pay them immediately the whole remaining balance then they will remove my bad credit report. I said I lost my patient last XXXX and due to the pandemic I have a hard time getting a new patient but I tried to pay them. XXXX XXXX told me that it takes 6 months without paying theyll report me. XXXX from debt collector was forcing me to pay the whole balance or they will ruin my credit score. Im so stressed and got so XXXX. I better went to XXXX XXXX without insurance but because I Paid {$1100.00} a month health insurance thru XXXX  I was billed so high even the hospital just took blood test only and discharged me. I never asked assistance from state or federal. I was very responsible but because of the pandemic my income went down and I lost my job. In spite I tried to pay my medical bill. But this debt collector is harassing me and forcing me to pay the whole amount at once. Im very XXXX  and couldnt sleep at night. Please help me. Ill pay my debt thru installment but I dont want XXXX from debt collector harassing me to pay the whole amount to avoid bad credit report. I will be very thankful if you can help me remove the bad credit report. 

XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell XXXX XXXX XXXX
Product: Debt collection

I went to XXXX XXXX at XXXX, Ohio XXXX XXXX Informed the Veteran Affairs about my visit. The veteran clinic did not pay all of the bill, they only some of it. I`m 100 % service contacted. The rest of the bill was sent to collection.
Product: Debt collection

I contend that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressee unknown, knowingly and deliberately circumvent fair credit reporting laws to illegally collect on expired debt more than seven years old and continue to report these closed accounts as late payment to degrade my credit. It is my contention that these companies are buying and selling old debt that has expired. These companies attempt to collect on it by erroneously reporting to all three credit reporting agencies the debts are still active and viable by changing the dates of when the accounts were closed or not including the companies owed originally and by selling the old, expired debt. The new buyer of said debt uses deception by not reporting when debts last had proof or payment to the original account holder. XXXX XXXX XXXX does not list any of the original account holder 's information. It is unverifiable. The credit bureaus do not test nor verify the information provided to them, only report it. The result is multiple tradeline entries on my credit report for the same old, expired debt ( Midland Funding, XXXX XXXX XXXX XXXX and possibly XXXX XXXX XXXX XXXX Midland Funding sued me in court ( Crown Point, Indiana XXXX in XXXX over old debt, then removed it from my credit file. Midland Funding lied about what accounts they held. I have my old credit reports as proof.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the written-off loan XXXX XXXX XXXX  {$770.00} reported on my credit report. I believe this information is inaccurate and request that you investigate and verify the validity of this account. Please provide documentation to support the reported charge-off, including the loan agreement, payment history, and details of any communications regarding the debt. If the information can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a method of verification letters were sent to both Equifax and XXXX. Equifax has failed to even respond and XXXX replied with a letter stating they contact creditors to review information, but failed to give me names of people they spoke with.
Product: Credit reporting or other personal consumer reports

Why is XXXX still on my credit? This account is expired. It does not matter that they transferred or sold it. The account has reached the 7 year period as of XXXX XXXX. I'm demanding per FCRA laws that it be removed immediately. If it is not I will save this complaint, your response and include all of my other paperwork to show it to a court, that it's expired and should be released immediately. See attached.
Product: Credit card

My credit report notified me that TD Bank retail card services changed my payment history in XXXX and XX/XX/XXXX to 30 days late and 60 days late, respectively. I have had no balance on the card since XXXX. I have every statement showing showing no account activity, no purchases and no balance due. Because of this error, my credit score has dropped approximately XXXX points. When I reach out to TD retail services, they tell me theres nothing they can do. They went back in time over one year and randomly changed my payment history for no reason. This is the second time this has happened and has also happened in XXXX. This company keeps reporting incorrect information.