23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

collections Icon CREDIT MANAGEMENT- account # XXXX I have a collection account from Credit Management for XXXX XXXX on my XXXX credit report XXXX I'm unaware of this collection and would like to have the collection removed from my credit report. Can you please, provide me assistance with this matter. I have reached out to the company, and they have been unable to assist me. 

XXXX XXXX XXXX  Balance : {$67.00} I have a collection account for XXXX from XXXX XXXX reported on my XXXX and XXXX credit report. I'm unaware of this collection account and would like to have the collection removed from my credit report. Can you please, provide me assistance with this matter. I have reached out to the company, and they have been unable to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to XXXX. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

-XXXX XXXX- The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

-XXXX- I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

-XXXX- I disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.
Product: Payday loan, title loan, or personal loan

Please Help Me with this crucial situation, I have been paying on this loan since XXXX, I am a widow, and on Social Security, My Credit Report shows what., One Main Financial, has fraudulently been taking and taking $ $ $ from me! 6 years, I have. Pd. For 3 cars by now, I have not been able to get out, b/c, of the pandemic One Main in XXXX, IN., all last year harassing calls every day, when I made all payments, Adding new loans and inventing new ones, it shows on my credit report., example : on XX/XX/XXXX ( unsecured what, never pd {$89.00} for. No loan nor signed a document for this I have pd and pd. I can not pay this no more, please help me, I go on line to look at all my statements and it does not show all payments that I have made?? Never refinanced with One Main, XXXX $ ever Month!! I have or will show if need to ALL PAYMENTS probably amounting to 25,000 or more!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take prompt and effective action to prevent and address fraud on their platform, leaving my account exposed and unprotected. In addition, their dispute resolution process was both unfair and deceptive, failing to meet the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in significant inconvenience and financial loss, and I am seeking appropriate compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from Professional Debt ( XXXX XXXX XXXX  ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my XXXX report 6 months later. 

I want this removed from my XXXX report immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a suppression and opt out request to Early warning services because they are in violation of federal laws that pertain to the handling of consumer information, particularly my personal and financial data. It is alarming to discover that they have not adhered to these regulations and has, in fact, repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of XXXX. Specifically, I would like to highlight the following violations : Fair Credit Reporting Act Violations ( 15 U.S. Code 1681 ) : Violation of Section 1681c : Inclusion of adverse items beyond the allowed seven years. Violation of Section 1681e : Failure to maintain reasonable procedures for accuracy of consumer reports. / Privacy Act of XXXX Violations ( 5 U.S. Code 552a ) : Unauthorized disclosure of records without prior written consent. / Consumer Financial Protection Act Violation ( 12 U.S.C. 5511 et seq. ) : Failure to comply with privacy policies and provide necessary notices. / Regulation P Violations ( 12 CFR 1016 ) : Failure to provide initial privacy notices to consumers. Lack of opt-out notice and methods for consumers. / Identity Theft and Fraud ( FTC Violation ) : Unauthorized use of identifying information without consent. And every inquiry without permissible purpose constitutes a separate violation under 15 U.S.C. Permissible Purposes. Additionally, the failure to provide opt-out notices for promotional inquiries is another clear violation of MY consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. Despite all credit agencies having the same account information, it appears Experian is disproportionally charging me with two erroneous delinquencies, thus unjustly impeding my credit score. It is clear by the 18 point difference between XXXX  and Experian. When speaking to the Experian representative on XX/XX/XXXX, she cited XXXX XXXX with account number XXXX as one of the erroneous two delinquent accounts circled on the enclosed page. Despite the other two agencies enclosed not citing any other delinquencies, Experian chose to cite this company even though it has not been servicing my loans for several years, and has been transferred and sold to XXXX. 

The customer service representative was abrupt and evasive when trying to explain why I was being treated differently than the other two credit boroughs. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX XXXX XXXX, and my current education loan through XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Unlawful Reinsertion of Previously Deleted Accounts To Whom It May Concern, I am formally disputing the unauthorized reinsertion of fraudulent accounts on my Equifax credit report, which were previously deleted on XX/XX/year>. The following accounts have been wrongfully reinserted without the legally required notification : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX This action is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that if a previously deleted item is reinserted, the consumer must receive written notice within five business days, along with documentation proving the items accuracy. I have not received any such notice. 

Furthermore, I have documented proof from Equifaxs response to my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, which clearly confirms that these accounts were deleted on XX/XX/year>. I will be sending my hard evidence from the CFPB website as proof of this deletion. 

Given that these accounts were previously removed due to being unverified and fraudulent, I demand their immediate and permanent deletion, ensuring they are never reinserted again. I also request a written statement confirming their removal, as required under the FCRA. 

If Equifax fails to comply, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and pursue legal action to enforce my rights under the FCRA. 

I expect this matter to be resolved within the 30-day timeframe as mandated by law. Please update my credit file accordingly and send written confirmation once these accounts have been permanently removed. 

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

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with credit bureaus regarding the removal of inaccurate bankruptcy information from my credit report. Also presenting copies of identification documentation such as Drivers License with current address, utility bill with current address, and ssn card. Despite my repeated attempts to address this matter since XXXX directly with TransUnion, XXXX, and XXXX, they have failed to take appropriate action. 

For your reference, my personal information is as follows : - Full Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, OH XXXX - Date of Birth : XX/XX/year> - The specific bankruptcy listing in question is associated with the file number XXXX. 

Under 15 USC 1681 section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must have permissible purposes for obtaining and reporting consumer information. I question who provided these agencies with permission to include a bankruptcy filing on my credit report. According to documentation I received from the U.S. Bankruptcy Court, they do not report data to credit reporting agencies. 

Furthermore, I received a letter from XXXX XXXX XXXX stating that they have filed a dispute on my behalf, but neither XXXX nor I have received any response from the credit bureaus. This lack of response is concerning and further demonstrates the failure of the credit reporting agencies to address this issue promptly. 

This inaccurate information has negatively impacted my creditworthiness and has caused significant distress. I have repeatedly requested the removal of this erroneous bankruptcy entry, yet the credit reporting agencies have failed to comply. 

I respectfully request the CFPB 's assistance in investigating this matter and ensuring the immediate removal of the inaccurate bankruptcy listing from my credit report. I also seek clarification on the permissible purposes under which the credit reporting agencies included this information and demand accountability for the persistent inaccuracy. 

Enclosed are copies of my correspondence with the credit reporting agencies, the documentation from the U.S. Bankruptcy Court, and the letter from XXXX XXXX XXXX. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

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

XXXX  XXXX XXXX repeatedly refuses to remove this fraudulent claim via Experian. Its not on XXXX  or XXXX. Here is the information : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$500.00} Highest Balance {$540.00} Terms NA On Record Until XX/XX/XXXX Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

XX/XX/XXXX Experian says XXXX says its correct again! 

Many years ago, I had a XXXX  credit card that payment was never late and was paid in full when, for medical reasons, I had to file for bankruptcy. XXXX  still refuses to remove this from Experian, and Experian refuses to correct it.
Product: Credit reporting or other personal consumer reports

I have written several letter and dispute items to be removed off my credit report and nothing has happen. i have ask Transunion, XXXX XXXX XXXX to remove items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be moved. given letter and file reports and the items are still on my report
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is inquiry on my Transunion credit report that is fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX - XX/XX/year> 2024
Product: Mortgage

Original mortgage was in XXXX for 30 years. Refinanced in XXXX for 4.5 % 15 years and according to that " Truth in Lending Disclosure Statement '' schedule as of mortgage payments # XXXX # XXXX my PMI was to be {$0.00} and that was suppose to happen somewhere around XXXX. I have been trying to get PMI removed and have requested several times ... in writing.. to have it removed. I think twice to Nationstar who is the current mortgage holder. It 's been transferred several times over the years. Horrible customer service at Nationstar. They have given me XXXX, if not more, different answers as to why they wo n't remove it. NONE of which i can find are valid reasons when i hold a legal document truth in lending statement that states it is to be {$0.00} and when! I have already sent all paperwork copies and request to them again by certified/return receipt and they signed, yet NO ONE has contacted me regarding this. It is free and clear money to them ; it is mine, and i want it refunded back from when it was to be {$0.00} XXXX XXXX ) and taken off future payments. They have copies of all they need including tax assessments.
Product: Money transfer, virtual currency, or money service

I tried to log into wise.com where I have an account. I was unable to do so and got a XXXX failed message. I was instructed to contact Customer Service. To contact Customer Service you have to login... which you can NOT do. Customer Service is not reachable. I am unable to login and transfer service. This company should be banned in the USA.
Product: Checking or savings account

This claim started back in XX/XX/XXXX, I lost my wallet at our local mall here, I think, and that is how it all started, someone gained access to my personal checking accounts, inflated the accounts by depositing money into them, my payroll hit during this period, and then they withdrew everything ... I lost my entire wallet so it's safe to say that my ID and everything was in there. Once the claim was filed I got reimbursed XXXX for a fraudulent ATM withdraw ( Testing the waters for them I'm assuming ). My fraud check claim was initially denied because Bank of America stated " That the parties involved benefited from these transactions '', what does that even mean!? Either way, I'm writing this in XX/XX/XXXX, still not resolved in fact, things have become even more complicated. The account is still on hold, and it is still negative, since it has been negative for so long it has gone into collections, I can't stop the collections department even though the account is " Under investigation '', I can't stop them from reaching into my other Bank of America account and taking everything but {$25.00} in my name, they have done this twice already and the second time was within hours of receiving my direct deposit. Because of this lovely automated system, I can't pay rent, I can't pay my bills, Car payment, credit cards, student loans, nothing ... and according to all 5 of the different departments I talked to today ... I can't do anything to reverse that. Bank of America has apparently not looked at any footage for that day since then and I have submitted for multiple reconsideration 's in order to help my case, I've filed a police report, I have reached out to anyone and everyone in order to help but no one seems to know anything about this current situation, as a matter of fact, everyone I've talked to that has gone through the same thing claims their issues got resolved within the first week ... What can I do?
Product: Mortgage

We were denied a loan modification due to NPV. XXXX stated that a computer generated or BPO appraised our home value at {$630000.00}. However, due to the distress of the property, we obtained a state certified appraisal at a value of {$450000.00}. We spoke to a representative during a recorded conversation of the following : 1 ) a certified appraisal would take precedence over a BPO, and would positively impact our ability to qualify for a loan modification. 
2 ) do to not make any attempt to resolve financial reinstatement until the appraisal could be reviewed, although the auction date had been set for XX/XX/19. 
3 ) we were told we had up until at least the day before the auction to financially secure reinstatement, and to wait for the appraisal to be reviewed before sending money as the representative felt the certified appraisal would warrant further qualification, yet the mortgage company would continue to " dual track '' the process. 
4 ) we were assured follow-up, but have received no information. 
5 ) return phone calls were promised, and non have been received, even after leaving several messages, sending several emails and faxes. 
6 ) erroneous extensions were provided causing our phone calls to be rerouted through an automated system and the dropping the call. 

The actions demonstrated by XXXX and PHH are indicative of an attempt to 1 ) dual track the loan modification process 2 ) manipulate response delays by providing inaccurate statements that, due to missing information, no action could be taken 3 ) provide false statements, for example we were told that an appraisal would be completed to dispute XXXX computer generated property value ; however, the appraisal was completed as a BPO, and not a certified appraisal. 

In lieu of the overwhelming circumstances, including the significant lack of XXXX and PHHs competence to conduct appropriate due diligence in the handling of our account, we would respectfully request that the foreclosure date be temporarily suspended until all measures are properly addressed and all pertinent information and data has received a comprehensive evaluation. 

The blatant mishandling of our loan modification application, including the erroneous and misrepresented statements by XXXX and PHHs representatives handling the process, should warrant an oversight to review the process and misrepresented conduct surrounding our application.
Product: Credit reporting or other personal consumer reports

RE : RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card

I am on the pre-screen opt out list and have been for years. I confirmed this a few months ago but continue to receive credit card offers from Ally. On the paper it indicates that you can choose to stop receiving pre-screened offers of credit by calling XXXX opt out which of course I have done, but it has not stopped them from sending me pre-screened offers of credit for months. It also says there is an enclosed insert with more information about pre-screened offers and opt-outs and there is in fact no enclosed insert with any information about that. I had to call them and they had to personally enter my information to opt me out of receiving these offers. That is not the correct procedure. It should be sufficient to simply be on the opt-out list. I would like Ally to stop sending me offers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. 
I have contacted the banks associated with these erroneous accounts, and they have acknowledged the error. They have agreed to remove these accounts from their records to avoid legal action. I have also submitted the required FTC report to the Federal Trade Commission and have enclosed a copy for your reference. 

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

My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX