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

On XX/XX/XXXX, XXXX notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of XXXX XXXX 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since XXXX was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again 3 more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is "  open '' and XXXX blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment XXXX has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of XXXX XXXX with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.
Product: Debt collection

The year of delinquency is XXXX, I have never done business with XXXX XXXX. This account is fraudulent and use of my information to open this account without my knowledge or agreement is against the law. The illegal debt XXXX XXXX is trying to collect is now handed over to Debt Recovery Solutions , LLC.
Product: Student loan

I requested on in XX/XX/2022 that my loans be discharged due to a disqualifying status. The fact is that when I took out the loans I was receiving social security XXXX benefits. I was not producing any income and was encouraged to enroll into a program I had I had no previous experience and have found it difficult to gain employment. This loan should not of been provided and it can not be repaid and has caused undue stress on top of the XXXX that I had when I took out the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. Bow they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with XXXX PROOF AT ALL. 

It's OVER 7 years old, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Accounts from Credit Report Accounts : XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX Dear Sir/Madam, I am writing to formally request the removal of the following accounts from my credit report : XXXX. XXXXXXXX XXXX XXXX account # : XXXX XXXX. XXXX XXXX account # : XXXX XXXX. XXXX account # XXXX These accounts were recently removed from my XXXX credit report, and in accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that all reporting agencies maintain accurate and consistent information. Since the aforementioned accounts have been removed from my XXXX credit report, they should no longer appear on your records either. 
Legal Basis for Request : Under Section 1681i of the FCRA, I am entitled to dispute and request the removal of inaccurate or obsolete information from my credit report. The removal of these accounts from XXXX credit reporting indicates that they are no longer considered valid or accurate, and it is therefore a violation of the FCRA for these accounts to still be reported on your credit bureau. 
Additionally, under Section 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. As these accounts have been removed from one credit report ( XXXX ), I expect the same action to be taken with respect to your credit agency 's records. 
Request : I demand that you promptly delete these accounts from my credit report. If the accounts are not removed within 30 days of receiving this letter, I will consider pursuing all available legal remedies under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation that these accounts have been removed from my credit report, or explain the reason for any failure to do so. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX last 4 of SSN : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I XXXX
Product: Credit card

Well Fargo XXXX, current case number # XXXX I'm getting extremely tired of this phone and company. I've asked for returnees calls, and get nothing. I'm not dealing with threatening XXXX or her boss, was told that by security officer in XXXX XXXX. Then I'm told a XXXX, and now a XXXX whoever. CFPB start doing something about this company and my Wells Fargo compliments. I have no paperwork or statements, closed accounts and delinquent, attempts to collect a debt. My accounts been under investigation for 8 months. I NEVER OPENED NP CREDIT CARDS OR PERSONAL LOANS, NOW LEARN HOW COMMUNICATE WITH CUSTOMERS
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Ohio XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX and XXXX credit report, and I noticed some transactions posted on my credit report that has excluded my federal laws to my consumer report. 

Name of Account : JPMCB CARD Account Number : XXXX This company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) ExCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they reported transactions from account # XXXX to my consumer report. 

I need these transactions deleted from my consumer report please.
Product: Debt collection

Upon checking my credit report I noticed a collection that did not belong to me. Requested verification by mail and it was never verified. The information was not accurate that was on my credit report. I have never lived at the address provided.
Product: Student loan

I refinanced my loan with XXXX for {$310000.00} dollars on XX/XX/. The loan amount owed at the time was {$290000.00}. I overestimated because I had been making excess payments on the loan at that time. My account balance shows- {$15000.00}, and has since XX/XX/XXXX  However, there are loans due ( according to statements ) totaling approximately {$48000.00} that I am delinquent on. There should not be any loans due as I completely refinanced the loans. I should be owed {$15000.00}. It has been 5 months and still not a peep. I have spent many hours on the phone with Mohela to no avail. They are supposedly going to send me pre-Mohela and Mohela financial transaction records. For some reason they are unable to have any accounting history of these records, which is odd, considering the large nature of these financial transactions. I spoke to a representative today that escalated the call. They are now supposedly going to look at the loans as they should have been included in the refinance. My concern was that these loans, that shouldn't exist, would just be added to my refinanced loans. She said I just had to wait and trust that Mohela would due the right thing. I told her I did not. After 2 hours of patiently and politely waiting on the phone for them to figure things out, she hung up on me.
Product: Checking or savings account

XXXX transferred my HSA in late XXXX. I got my first statement in XXXX XXXX. 
XX/XX/XXXX I called asking for a closing form. I was told I had to wait 24-48 hours for that to process. 
XXXX I called. XXXX said she would add a 'ticket ' to the request. I was told to wait 24-48 business hours. 
XXXX I called. XXXX immediately emailed me the closing form and explained that I needed a 12-digit account number and the 16-digit access number which should have been sent to me separately. I had not received this and asked for these to be sent as this can only be done by mail. 
XX/XX/XXXX I calledXXXX said the kit had been mailed XX/XX/XXXX and the card on XX/XX/XXXX so I should wait. She said they are sent in " unmarked white envelopes. '' XX/XX/XXXX I called. XXXX said that the account had been closed and a check had been mailed on XXXX XXXX. She refused to state where the check was mailed. ( XXXXXXXX XXXX XXXX, at my request, had mailed a request to transfer the HSA in early XXXX ). XXXX now refused to remail the kit and card because the account was " closed. '' XXXX I called because neither I nor XXXX XXXX had received a check. XXXX stated that the check was mailed XXXX and she did not know why XXXX would say XX/XX/XXXX. ( though I notice that that way I was prevented from receiving my needed account numbers ). She refused to say where the check was sent. 
XX/XX/XXXX I checked with XXXX XXXX. They had not received a check nor had I. 
XX/XX/XXXX I spoke to XXXX who had assured me they could help if there were any problems with the transferred HSA. After inquiry, they found that because the HSA had been transferred twice and also because of the privacy act they could not give me any account numbers or help me in this matter. 
Both XXXX and XXXX refused to say where my money was sent. XXXX seems to have made up the XXXX XXXX date and thereby continued to deny me the account numbers I needed to control my account. Not until I talked to the 3rd person did some one stop pretending they could not immediately give me a transfer form. 
My money has effectively been stolen by XXXX XXXX XXXX XXXX I can not get access to it. I do not know where it is.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus regarding their failure to conduct a proper investigation into my credit report, which has been involved in multiple data breaches. Despite repeated attempts to rectify this issue, the credit bureaus have continuously ignored my requests and failed to address the inaccuracies and potential fraudulent activities on my credit report. 

I have been a victim of identity theft, resulting in unauthorized accounts and fraudulent activities appearing on my credit report. I have taken immediate action to protect my personal information and have filed police reports regarding these incidents. However, the credit bureaus ' lack of responsiveness has further exacerbated the situation, leaving me in a vulnerable position. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to all three major credit bureaus XXXX, Experian, and XXXX. Despite submitting these disputes with all the necessary supporting documents, I have not received any meaningful response or resolution.

Furthermore, I have made numerous phone calls to the credit bureaus ' customer service departments, only to be met with long wait times, unhelpful representatives, and a lack of progress. The credit bureaus ' failure to conduct a thorough investigation into my credit report not only violates my rights as a consumer but also perpetuates the damage caused by the data breaches.

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus carry out a proper investigation into my credit report. I request that the credit bureaus promptly : 1. Conduct a thorough investigation into the inaccuracies and potential fraudulent activities on my credit report, considering the evidence and supporting documents provided.

2. Remove any unauthorized accounts, fraudulent activities, and inaccurate information from my credit report.

3. Provide me with a detailed report of the investigation 's findings and the actions taken to rectify the issues.

4. Implement measures to prevent further unauthorized access to my credit information and ensure the security of my personal data.

I appreciate the Consumer Financial Protection Bureau 's dedication to protecting consumers ' rights and ensuring fair practices in the financial industry. I trust that you will take the necessary steps to address this matter and hold the credit bureaus accountable for their negligence.

Please find enclosed copies of relevant documents, including the dispute letters and police reports, which support my complaint. I kindly request that you acknowledge receipt of this complaint and keep me informed of any actions taken. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I need help! I had to take out a small loan from PFC in XXXX  XXXX IL a couple of years ago for a few XXXX. They then called me to renew and offer me more money a couple of times than I had an emergency and had to get a payday loan for medical expense and at the same time Mariner Finance bought out PFC XXXX XXXX XXXX  XXXX IL XXXX XXXX. So they refinanced the loan again and added a couple XXXX to the balance which brought it up to around {$6800.00}. I had borrowed from PFC in XXXX IL and never had problems in the past interest was around 30 % but Mariner is charging me a 36 % interest rate daily and I think it is more like 100 % like a payday lender as they did not explain all and my balance is not going down after months of paying {$260.00} mo. My balance on my credit report is going up instead of down. I called today and asked and they said they set the loan up for 49 mo at {$260.00} mo 36 % daily interest, principal {$11000.00} and if I paid off XX/XX/XXXX it would be {$7100.00}!!! I need help getting out of this XXXX XXXX also doing the same charging me the same rate on a $ XXXX loan, the mgrs know each other. My credit is perfect other than the loan from the last recession that fell behind I wrote you about that is still illegally being reported on my reports the IL AG is looking at, but credit score is now XXXX and no one will refi loans at a lower rate because I dont have a lot of credit cards and that one loan still showing after 7 yrs so they are intentionally keeping my score low as I reported all to regulators so they can make me pay subprime rates to get back at me!! Help me please with this!! I am twice widowed, no help, live on one income, and work at XXXX XXXX XXXX XXXX XXXX!! This loan is suppose to be a fix rate loan and it is instead like a payday loan they are gouging me with interest!!!
Product: Debt collection

XX/XX/XXXX Pioneer Credit Recover , Inc had sent me a letter. I received this letter on XX/XX/XXXX. This letter was a notice of intent to garnish wages from the employer under the condition that I do not have a plan. I made a {$55.00} payment through XXXX  's bill pay feature to make a statement and then contacted the company and left a callback number. On XX/XX/XXXX the company tried to tell me that I have to make another payment by the XXXX to have a plan. 

This is a form of hazing. I have a plan. They can not collect my wages or my taxes.
Product: Credit reporting or other personal consumer reports

I.C. SYSTEM, INC has flagged your account as Collections. This XXXX company reported wrongful after be a loyal customer for two years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on an unknown debt in the amount of {$650.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Credit card or prepaid card

Today XX/XX/22 I bought a serve American Express card. I created an account put in my SSN and my ID. Then when I go to type in my card number it says " Oops Well, this is awkward. Were experiencing some technical difficulties, please try again in a moment. '' I can't register my card, which I need to do in order to put more money in it. Then I call their " 24 hour '' service only to get " helped '' with a useless robot. I then call again, but this time I ignore the options and sneak my way to call a human. When the human picks up I tell him my problem he just goes blank. There is a fake cracking/breathing sound to make it sound like his mic is not muted, but after 25 minutes I can assure he wasn't there and there were similar loops every 5 ish minutes.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX THIS REQUEST WAS NOT MADE IN ERROR. In accordance with fair credit reporting act everything has to be 100 % accurate on credit report. EQUFAIX stated my account was properly investigated, but how is that possible if the payment dates is inaccurate, last active is inaccurate and date last reported is not accurate and late payment dates are inaccurate INFORMATION IS NOT MINES. EQUIFAX ALSO STATED they received the information from another 3rd party credit reporting agency and they are not reporting the same information. This is grounds for removal also violates my rights under 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, also the credit agency took more than 30 days to complete investigation. 15 USC 1681-2 This account should not be furnished on my consumer as it is in VIOLATION!!!!!! 15 USC 1681b permissible purposes of consumer reports ( A ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following and circumstances and no other, ( 2 ) In accordance with written instruction of the consumer to whom it relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a PROTECTED consumer. Per 15 USC 1681 c-2 Block and remove Per 15 USC 1681 ( 2 ) this is fraud
Product: Credit reporting or other personal consumer reports

I am in the mortgage industry and the credit bureaus are soliciting clients after their credit is pulled. Selling their information to other lenders without the permission of the client. There is no way to opt out of this process. This has to stop!!