23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have Accounts and information passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, # XXXX, and # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I need you to remove the remaining items off of my Credit File : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please comply with Federal law and have the disputed items removed as soon as possible.
Product: Credit card or prepaid card

I am a victim of identity theft, and did not make the charges. Ive disputed the transactions with the credit card company but my dispute was denied. I am not responsible for these transactions so I am appealing or asking for a disputes investigation again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have 3 Inquiries that I want to dispute and get off my credit report I applied for these accounts and got denied after I was suggested by credit karma but I open my XXXX card and took out a loan on XXXX and XXXX thinking bank/creditors are looking at that like I might be risk but I am actually using my credit for my business and paying them back ASAP I would like to dispute XXXX XXXXXXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX off my Hard Inquiries please give me a call @ XXXX if you need any additional information!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : XXXX XXXX {$660.00}, Experian : {$660.00}, XXXX XXXX {$500.00} Date of Last Verified : XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX, Experian/XXXX  : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX  ( 30 days late ) and XXXX  ( 60 days late ) for XXXX Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

.On XX/XX/2024 it's been XXXX  days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX  XXXX XXXX. on juneXX/XX/2024 i sent a letter regarding inaccurate and unknown things on my report its been mor than XXXX  days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the XXXX XXXX XXXX
Product: Debt collection

I paid my debt back to Lendup this past XX/XX/2020. 
Since my debt is paid off I asked for this company to close or delete my account off my credit reports. They refused to do so because of lawsuit or settlement issues in the state of California and the other states in United States. 

My paid in full loan # XXXX My request for deletion of account # XXXX verification code XXXX. 

I have also submitted a letter to all 3 credit reporting bureaus and this action has not been completed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a data breach, I was given a free access to Equifaxs XXXX XXXX XXXX by the breached organization to prevent identity theft. 

As part of signing up, I had no choice but to consent to Equifax sharing my data initially. But the GLBA privacy notice said I could call a certain number to limit some sharing. I called and spoke to 5 representatives - 2 of which booted me to the main phone prompt menu when they couldnt help me, and 3 of which said I couldnt do this by phone. None of them seemed to have training on how to opt out of this affiliate marketing. This privacy notice is therefore misleading and should be revised, with an accurate notice going to all enrollees about how to exercise their rights and stop this data sharing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX IMPROPER USE OF CREDIT REPORT/NOT INACCURACIES
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent certified letters to Experian, XXXX, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, XXXX, or Experian.
Product: Credit reporting or other personal consumer reports

, and XXXX, violating the Fair Credit Reporting Act ( FCRA ). The errors include : 1. Different Last Payment Dates Equifax reports XX/XX/year>, while XXXX and XXXX report XX/XX/year>. 
2. Inconsistent Account Status Each bureau describes the charge-off differently, with Equifax failing to provide complete and uniform details. 
3. Conflicting Account Type XXXX calls it a Credit Card, while Equifax and XXXX label it as a Revolving Account. 
4. Mismatched Status Update Dates Equifax shows a different update date than XXXX. 

Since these inconsistencies prove the information is inaccurate and unverifiable, you are demanding Equifax delete the account per FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). If they fail to comply, they could face legal consequences.
Product: Debt collection

Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a PayPal Credit debt. I had a PayPal Credit account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with PayPal Credit. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.
Product: Mortgage

I have several complaints that has occurred since my loan was transferred from XXXX to PennyMac in XX/XX/XXXX. First, on XX/XX/XXXX I received a letter from PennyMac stating I have an escrow shortage for {$9.00}. I called the XXXX provided on the letter to get clarification since my previous escrow review when with XXXX was done XX/XX/XXXX and was not up for review until XXXX XXXX and also, I received a check XX/XX/XXXX for an escrow refund and as of today my escrow balance meets the fha guideline for 2 months reserves. I spoke with a rep from PennyMac and pointed out several irregularities that appear on the letter and my online account. These items are multiply pmi payments XX/XX/XXXX when it was paid by XXXX and it was never credited back. Second, I have never missed anypayments but PennyMac continue to show late payments and charged my account and then revised the fee but never update it records to show. Third, I believe this company is not acturally maintain mortgage accounts and having customers covering their mistakes.
Product: Debt collection

On XX/XX/2016 I paid XXXX in full for the following amounts {$34.00}, {$270.00} & {$55.00}. Although, I was told they would be removed from my credit they haven't done so.
Product: Credit reporting

The Credit Reporting Agencies hold consumers hostage and decide their credit fate at their whim. Their undisclosed algorithms calculate a score that consumers do not have access to unless they apply for a loan or " buy '' the score from the agency ( for a monthly fee of {$29.00} ). When you do buy a score from XXXX of these companies, it 's not guaranteed to be the same score a creditor would get if pulled on the same day. That is because each reporting agency has multiple scoring systems and there is no certainty as to which XXXX the creditor is pulling. The " key factors affecting your credit score '' are even more of a joke. They do not provide any real insight into your score and are not consistently supported by what is in your report. I recent requested by XXXX report from XXXX. Despite no delinquencies, charges offs, or other negative information showing on the report ( not XXXX derogatory item ), the top factor affecting my score was " serious delinquency. '' The credit score tracking provided by XXXX of my credit cards ( presumably from Experian ) is no where near close to the credit score disclosed to me on a risk based pricing notice from a creditor from the same period. The credit reporting agencies have a monopoly over individual 's credit access and they are not held accountable nor is there any transparency. When is the CFPB going to regulate this industry and hold these companies accountable? How many studies must you conduct regarding the abuse before you take action? FCRA does not provide any consumer protection from these for-profit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper usage of incorrect addresses tied to incorrect accounts needs to be removed. Propagating false information on my credit report, and inquiries that has incorrect information and that I have knowledge of needs to be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX my wife received a call from what was believed to be Chase bank ( which is where we bank ) asking for basic account verification information. At some point, my wife found it odd of some of the questions and hung up. She then called Chase directly to find out that {$9500.00} was being transferred from our savings to checking and the same amount was being wired to XXXX XXXX. NONE of which were authorized by her or myself. We notified Chase that this was not an authorized transaction and that the wire was showing " pending '' status. We were advised to go to local branch in which we did, closed the open accounts and reopened new accounts. Yet, the wire still was withdrawn. Today, is XX/XX/year> and we have been trying to get Chase to recover the money but have not had any resolution. 
What can be done?
Product: Debt collection

I keep a close eye on my credit reports now since my car was broken into and all of my cards, checkbook, and my expired drivers license was stolen ( this was in XXXX of 2020 ). About a month later I notice a debt collection for {$260.00} on my credit report stating that I owed XXXX XXXX XXXX for some sort of service ( they would not answer as to what service when I called several times they also told me I have to give them an account number to receive any help, well seeing as how Ive never done business with XXXX XXXX XXXX, I have no such account number and was hung up on several times ) that I supposedly opened earlier that XXXX, I ended up having to dispute the collection with XXXX  and the collection was later deleted from my account. I thought it was all done and handled, until I kept getting calls ( currently still receiving calls ) from a SECOND collection agency ( this time called AFNI ) about the same debt ( but apparently this same debt was opened in XXXX of 2020 ) and earlier this month the collection showed up on my credit drastically dropping my score ( AGAIN! ). This is beyond frustrating and I have gotten nowhere with this companys customer service or their fraud department. They claim they cant help me since I cant give them an account number, I DONT HAVE ONE BECAUSE I HAVE NEVER OPENED AN ACCOUNT WITH THEIR COMPANY!!
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX have been violated, My account is not in concordance with the XXXX regulation, with TransUnion and XXXX, XXXX have disputed this matter about my XXXX card, XXXX XXXX and XXXX card with Transunion and XXXX, XXXX my XXXX account, recording, about XXXX  times. The last time I put in a dispute was on XXXX XX/XX/2024, Today is XX/XX/XXXX and I still have not received a response over 30 days with my dispute, now I am locked out of my dispute account section, it is saying on the page something is not right, I should visit dispute center, I can not visit the dispute center because am locked out, can you please look into this matter with my credit report.
Product: Student loan

They automatically set me up for forbearance when I did n't know I had an option for and  Income  Based  Repayment  Plan. This caused an enormous burden of interest that has accumulated over the years. I have taken on over {$40000.00} of credit card debt because     XXXX   XXXX   aka    Navient A LSO advised me to use a 0 % interest credit card to pay off my student loan, which I am now paying over 29 % interest on these credit cards. I still have over {$90000.00} of student loans and unable to pay the thousands per month payment. I need help, I was lied to and given poor advice and I was denied better options that i was eligible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts with XXXX  ( 1 with balance {$82000.00}, 1 with balance {$34000.00}, 1 with balance {$86000.00} ) were included in bankruptcy & discharged. I opened disputes for the 3 accounts in  XX/XX/2020 because they were showing charge off status and balances on my credit report when they shouldn't be. On XXXX the {$86000.00} account & the {$34000.00} account disputes were finally resolved in my favor after months of going back and forth with correspondence and the accounts were updated to included in bankruptcy status with no balances. On XXXX the {$82000.00} account dispute was resolved in my favor and the account was updated to included in bankruptcy status with no balance. By XXXX the {$86000.00} account that had already been fixed was showing a balance and collection status again, so I opened another dispute for that account. The second {$86000.00} account dispute was resolved in my favor on XXXX and the account was again updated to included in bankruptcy with no balance. On XXXX when I checked my credit report, all 3 of these accounts were accurately reporting that they were included in bankruptcy, but today they are again all 3 showing balances and collection status. For the last 3 months, Experian has updated these 3 accounts to correct them multiple times only to have the creditor update them right back. This is a predatory lender who has a class action lawsuit against them for illegal collection practices and violating bankruptcy law. I would like to  know how you can prevent this from recurring every month because it seems to me that allowing this to continue month after month is irresponsible and you have a responsibility to have processes in place to ensure accurate reporting. I have notified you multiple times, you have investigated multiple times and updated my file multiple times, and continued to allow this to recur multiple times. I have attached all of the previous dispute resolutions.
Product: Credit reporting or other personal consumer reports

Debris Inc.DBA DBS XX/XX/XXXX in the amount of XXXX closed account # XXXX also my information had been breached my first time learning of issues I have tried to dispute and can not saying verified when it was not same for XXXX XXXX XXXX in amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was attending a XXXX  school called XXXX XXXX College that promised us that we would be able to take college classes for free at XXXX XXXX University and they would take care of the expenses. I took classes from XXXX to XXXX but I'm being charged for the last class I took in the spring of XXXX while i was a minor but not charged for any other class. Now the school is shut down and everyone associated with the school has been transferred or fired and i cant contact anyone to help resolve this. The debt doesn't even show up on my credit report and I couldn't dispute the debt sooner because every attempt to contact me was sent to an address i hadn't lived at in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 loan servicing companies XXXX and XXXX XXXX stating I owe loan. I contact XXXX and they insist that I owed them a {$4000.00} loan. I have never made any payment to XXXX. XXXX  states I have made 4 payments that I never have. I have reached out to University of XXXX XXXX and there is only 1 loan. I have been making payment to XXXX XXXX since 2013 only to find out they never sent any funds to the University of XXXX XXXX. XXXX XXXX has put a charge off on my account and refuses to address the funds they owe me. Both companies XXXX and XXXX XXXX are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of XXXX XXXX. XXXX is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to XXXX XXXX. XXXX XXXX say the loan has always been with them. The credit reporting company Trans Union is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of XXXX XXXX neither companies have presented that loan lnumber.