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

I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND LVNV XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY XXXX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. XXXX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND LVNV IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. XXXX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM XXXX
Product: Credit reporting or other personal consumer reports

The attachments that are listed below Are accounts, Inquiries And Addresses That are in accurate & werent given consent to be on my credit report. Im asking that the items be erased completely off of my report for I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I called XXXX, to remove this unverifiable and inaccurate information per the FCRA. 
The representative asked me 2 each question to verify myself which i complied but after the second request, i said why u want my email address, it's not reporting on my file? 

We get in my account ironically and i say these accounts need to be removed because these are unverified. she said i need to write a paper to send to them. I said where in the law or policy does it say that and send me a copy so i can comply. Me the living woman am doing what is required of me, which is to call verify myself and get this removed. Now Experian already removed them, and admitted they gave companies permission WITHOUT my consent to look at my credit report and offer me deals, that i always get denied for. Its not fair, its an invasion of privacy, this goes against the FCRA, PRIVACY ACT, and many other laws made to protect me. 
The rep argued back and forth i said let me speak to a supervisor. They transferred me to the supervisor on XX/XX/2024 @ XXXX XXXX XXXX time. and they hung up on me. 
they can not negatively report on my account and get away with it. 

I am seriously harmed non physically by XXXX, because they could have easily removed it like EXPERIAN did, instead they left it on my report and i get denied for almost everything. since they both ( all credit reporting agencies ) give permission for companies to look at my file without my ORAL/WRITTEN CONSENT. 
I need to be COMPENSATED.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as XXXX and 60 days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I kept receiving letters regarding a medical debt from XXXX XXXX from the orignal creditor XXXX XXXXXXXX XXXX XXXX, I informed them this was not my debt and fraudulent and issued a cease and desist. They since sold this debt to Phoenix financial services which they contacted me about. I informed them this was not my debt and disputed it with themselfs they sent information saying what verified this debt basically wrong last name address is wrong correct previous street wrong apt number, no social security was provided at visit and also no ID was shown at the time of visit and no Insurance given which I have Insurnace. Further said this is clearly not my debt and fraudulent. But apparently that was enough for verification. So I issued them a cease and desist letter too as for 2 years nothing showed on my credit report as I assumed it couldnt being incorrect info. Now last month it appeared on my report. I contacted XXXX and disputed this explaining this was identity fraud at a emergency visit and that its not my debt I expected this to be removed but they have certified the debt is valid even with a misspelt last name and what is a blatant attempt at fraud. At this point I want them to stop reporting the debt on my credit report as its not mine. I am in contact with my attorney who advised i and contact yourself first to dispute before taking appropriate legal action. Please inform if you can help with this debt, so I can proceed as needed. 

The amount is for {$520.00} and the account was opened XX/XX/2022 on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal name change. I informed Experian of this on XX/XX/22. They asked me to fax them some documents and said that once they were received the matter would be resolved in 3-5 business days. I faxed the documents that day. On XXXX I called to find the documents had been received but the problem hadnt been resolved. The agent, XXXX, started the process. She said it would take 24 hours. I called again today and was told the problem had yet to be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment with the unresolved issues regarding the late opening of accounts and the presence of late closures and charge-offs on my records, despite multiple attempts to rectify them. 

The late opening of accounts has not only inconvenienced me but has also affected my financial standing and opportunities. Furthermore, the presence of late closures and charge-offs inaccurately reflects on my creditworthiness and financial responsibility, potentially impacting my ability to access essential services and opportunities in the future. 

I expect a prompt response to this complaint, acknowledging receipt and providing a clear timeline for resolution. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$79.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account every month on time using the website but one month i got notice that they never received the payment 30 days after i paid it causing a late payment to be put on my credit report. I have tried to get the account showing as paid as agreed but have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Mortgage continues to report 120 day late payments, 2 years after forclosure was completed and the property was sold. They reported 120 days late in XX/XX/XXXX and again in XX/XX/XXXX. The property was sold in XX/XX/XXXX and was protected under CHXXXX bankruptcy protection from XX/XX/XXXX through XX/XX/XXXX. I have since contacted Wells Fargo Mortgage disputing these reports. I have also disputed these with XXXX and XXXX with the typical response of all information is correct and accurate. In XX/XX/XXXX a certified letter was sent to Wells Fargo challenging the formentioned reporting history. On XX/XX/XXXX I recieved a letter from Wells Fargo dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that they are just the servicer of the acount and the acount is held by XXXX XXXX XXXX. This response does not address why Wells Fargo Mortgage is still reporting late payments.
Product: Debt collection

I leased a car from XXXX XXXX in XXXX and was financed through GM Financial for 3 years. I received a letter from GM saying I could end my lease early at the beginning of XXXX. I then purchased my car on XX/XX/XXXX. I wanted to stay with the same people who handled the lease for me, but they had moved to XXXX XXXX in XXXX. I asked them to handle the purchase for me and they put the loan through XXXX XXXX XXXX. I received a letter from GM Financial saying my lease loan is paid in full. The letter is dated XX/XX/XXXX. I received a balance sheet showing the check was applied on XX/XX/XXXX and I owe {$0.00}. I have a car Title in my new lenders name and I have a letter from XXXX thanking me for purchasing my car. GM Financial is putting on my credit report I owe {$2500.00}. I have spoken with XXXX XXXX who put the purchase through, XXXX XXXX, the GM of the Dealership, several people at GM Financial and an assistant to the VP of GM Financial, XXXX XXXX and she told me she would take care of it. As of XX/XX/XXXX I am still getting hits on my credit report and this has been going on since XX/XX/XXXX. I don't understand the way I have been treated. I am the customer and GM Financial acknowledges they made a mistake. Instead of taking care of this for me like I was told they would, I have been talked to horribly. I have been talked down to, my credit has been damaged, it has dropped over a 100 points and I have been lied to over and over again and for no reason. I never thought a company like GM Financial would treat a customer like this. They acknowledge the mistake, but so far have not fixed it. This has been going on since the first week of XXXX and I feel I have been more than patient. I would like this problem to be resolved, because it is damaging my reputation. XXXX XXXX told me it could take the credit companies a month or so to report the correction on their end, but GM Financial has not even stopped reporting the false accusations that I owe them money, because I received another credit alert on XX/XX/XXXX saying GM Financial put it on my report that I owe {$2500.00}. I was told from the GM at XXXX that I would be receiving a letter from XXXX XXXX saying it was taken care of. I haven't. The last time I spoke with her she said she may have forgotten to sign off on it, but she would. So far, she hasn't or GM wouldn't keep posting it to the Credit Bureaus. Please help me to get this error corrected. It is damaging my life. I don't understand this, I am the customer and all I did was purchase my car. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and the tracking these transactions was infeasible.The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX XXXX Balance {$900.00}
Product: Credit reporting or other personal consumer reports

Two seperate letters were sent to XXXX, XXXX, & Experian by certified mail. 
Most recent date being XX/XX/24. 
These letters I sent were requesting proof this account had been verified or deleted because I have not contracted with XXXX XXXX. I have not received proof of verification of debt by any Credit Bureau or company. 

I reached out to XXXX XXXX by phone & they would not provide me with any info to the validity of the alleged debt or chargeoff unless I paid them XXXX which is extortion. 

I would like for this account to be removed as many of the consumer rights have been violated by XXXX XXXX & all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft and I Have fraudelent accounts on my credit report.
Product: Mortgage

Dear Sir/Madam Mortgage Account Number : XXXX ( missing info will be provided ) Mortgage Service Firm : LoanCare , LLC XXXX XXXX XXXX XXXX  XXXX , VA XXXX ( XXXX ) XXXX My house mortgage is owned by XXXX XXXX and serviced by LoanCare , LLC XXXX I am currently unemployed and not in a position to pay the mortgage due to Covid-19 related business issues. 

On XX/XX/XXXX I have tried to contact LoanCare , LLC using their phone number XXXX and XXXX but unable to contact anybody. As directed by the automated system, I have gone to their website and applied for mortgage forbearance. As per their confirmation of receipt of my application, they did not contact my within 3 days and I am not sure how to contact them. 

I am requesting CFPB to interfere in the matter and contact Loancare , LLC to resolve the matter for me. 

Sincerely, XXXX XXXX
Product: Student loan

I have had a XXXX XXXX XXXX Now Navient XXXX loan since XX/XX/XXXX that I have been trying to work with the lender to pay off. I have called XXXX XXXX numerous times to inform them that I needed modified options to pay XXXX which they did XXXX ) or different programs offered in order to find a way to pay my student loan. I have explained many times that due to my husband being military and I not working ( yet seeking employment ) we did not make enough to cover costs of living. My mother is the co-signer on the loan, but refuses to help in any way possible. I am trying to manage the loan and have argued for rehab options on a now defaulted loan in which no one will help. They want the full sum. While I understand to terms and conditions, I am trying my best with what I have and offering to give only what I can. I have been in school since XX/XX/XXXX trying to obtain a degree in fields where I know I can find work. My husband left XXXX to be with his family because he was being XXXX constantly. We ended up taking a huge pay cut which in turn made our finances even harder and drained our accounts trying to keep our finances at bay. We are living pay check to pay check trying to keep on our feet. I finally have obtained a job after moving back to our home state and are currently living with relatives because we can not afford to even rent. The pay is n't good, but it 's a start. My husband is currently starting a new job which should help with the finances as well. The military service does n't offer help in our situation as we have looked. My husband did apply for his XXXX benefits, but that is taking too long and the money that was supposed to help us is not even being sent to us as of yet due to the time taken to process the paper work. We are financially stuck and our only option at this point is to file bankruptcy.
Product: Credit reporting or other personal consumer reports

Amex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the fair credit reporting act 15 usc 1681 section 602 ( a ) it says there's a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for consumer rights to privacy. XXXX and XXXX are consumer reporting agencies and I'm the consumer.my right to make sure my private information isn't shared is backed by 15 usc 6801. That says it's policy of Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of the consumers and to protect the security and confidntuality of those consumers Private information .furnisher of information to credit agencies is a financial institution by definition under title 15 usc 1681section 604 a section that says in general subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other. In accordance with the written instructions of the consumer to who it relates ( furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX don't have my consent to furnish this information, nor do they have my written consent .any and all consent to XXXX and XXXX ( furnisher of information to credit agencies ) whether it be verbal or non verbal written, implied or otherwise revoked.15usc6802 ( b ) ( c ) says that a finance institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given a explanation on how the consumer can exercise that non disclosure option. ( furnisher of information to credit agencies ) never informed me of my right to use my non disclosure option not only that,15 usc1681 ( a ) ( 5 ) says except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report more than 7yrs. This account is an adverse item they are reporting again without my permission which is against the law. 15 usc 1681s-2 ( A ) ( 1 ) A, says a person shall not furnish any information relating to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 usc 1681e says every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed listed under 1681b of this titleXXXX and XXXX are not maintaining reasonable procedures designed to avoid violations of section 1681c of this title.XXXX and XXXX are not maintaining reasonable procedures. 12CFR 1016.7 SAYS that a consumer may exercise the right to opt out at anytime. " I am opting out of their reporting services ''
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies Equifax, XXXX XXXX and XXXX that the balance of my student loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my refiling complaint to EQUIFAX for still allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.