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

I sent a letter out on XX/XX/XXXX to XXXX, Transunion and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 
According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers 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 to paragraph ( 5 ), begore 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.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXXXXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are reporting incorrect addresses on my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted the below companies and Experian under the CFIPA & FRCA and have instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. Experian is now and continues to report stolen information. The companies listed below continue to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. 
I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. Additionally, I would like for these accounts to be removed immediately from Experian systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection is appearing inaccurate on all three of my credit bureaus and i do not appreciate this account showing the wrong information
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX Some Ed-financial has showed up on my report with incorrect information. Also, I do not know this Ed financial or why they are on my credit report in the first place. I did not put any or request any loans with Ed financial. This is a fraud and violation of my credit reporting. This needs to be removed immediately. My loan is with XXXX and did not agree to moving my loan to no one else. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am not sure if my credit freeze has been removed. I have spent hours online trying to get the info. There is no phone number that works for getting to a live person. They claim to have three numbers but they all lead in circles with no resolution. No getting to a rep.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Santander XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Goodwill Adjustment Request Account # XXXX Dear Santander XXXX XXXX Customer Service, I hope this letter finds you well. I am writing to sincerely express my regret regarding the financial hardship I experienced that led to my auto loan being written off and my vehicle being repossessed. I take full responsibility for the situation and deeply regret the circumstances that led to this outcome. 
During that difficult period, I was facing severe personal challenges, including XXXX and financial struggles that made it impossible for me to meet my obligations. Despite those hardships, I worked hard to settle my account for as much as I could afford, and I am grateful that I was able to bring the matter to a resolution. Now, as I try to rebuild my financial future and repair my credit, I am reaching out with humility and hope. 
I kindly ask if Santander XXXX XXXX would consider a goodwill adjustment by removing the negative reporting associated with this account from my credit report. I understand the impact of my past mistakes, and I have since taken steps to better manage my finances, ensuring that I never find myself in such a situation again. This goodwill gesture would mean a great deal to me as I work diligently to move forward and restore my financial standing. 
I deeply appreciate the services Santander provides and hope you can find it in your hearts to grant me this request. Thank you for your time and consideration. If there is any further information I can provide to assist in your decision, please let me know. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute for two accounts in collection on my TransUnion credit report through the company TransUnion partner 's with XXXX XXXX. 

According to XXXX XXXX 's website and TransUnion, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by XXXX XXXX in partnership with TransUnion, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, XXXX XXXX indicated that the dispute was being transmitted to TransUnion. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as XXXX XXXX has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted TransUnion on XX/XX/XXXX and they stated they never received the dispute via the XXXX XXXX conduit and that I would need to resubmit a dispute. I also contacted XXXX XXXX and they stated that they were " experiencing a communications error that prevented them from processing TransUnion disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, XXXX XXXX never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX XXXX XXXX also offered the same resolution that TransUnion advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither XXXX XXXX or TransUnion is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

Thank you
Product: Student loan

My husband had back XXXX and was out of work for 8 months then was working part-time for 5 months. I am a mother of XXXX and alone I make {$35000.00} per year. I explained this to Navient that I would n't be able to pay my $ 300 monthly payment and asked for it to be deferred or lowered until he was working full-time. Navient took all my income information and decided that i could afford the {$300.00} payment. They did n't consider any of my monthly expenses besides other student loan payments. I regret getting a loan with XXXX/Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry was done on my credit without my permission and without a reason to do so. The hard inquiry that was placed by XXXX XXXX XXXX was placed without my knowledge, as well as, XXXX XXXX XXXX did not get my permission to do this. I had an account with XXXX XXXX XXXX in the past with a total balance of {$1900.00} that was included in my Chapter XXXX Bankruptcy filing. This account was never updated with Transunion to be closed out and confirmed to be included in my Chapter XXXX I realized. I reached out to XXXX XXXX XXXX to address this issue on XX/XX/2020, and at this time the collections department manager informed me he was behind and would get it corrected as soon as possible. Fast forward to XX/XX/2020, I once again checked my credit report and this account was still reporting incorrect with the outstanding balance and as a bad debt. I reached back out to XXXX XXXX XXXX and they requested proof of this on how it was being reported to Transunion ( I provided them proof on XX/XX/2020 ). They confirmed and agreed and said they would get this corrected once again as soon as possible. Fast forward again to XX/XX/2020, I rechecked my credit report and noticed it still had not been changed. I reached out to XXXX XXXX XXXX once again informing them on this and received a notification from Transunion, that XXXX XXXX XXXX placed a hard inquiry on my consumer credit report for an unknown reason. I reached out to XXXX XXXX, the collections manager at  XXXX XXXX XXXX to inform him that I see he had placed the hard inquiry. His response was I had to see how it was reporting. I reminded him that back in XXXX, I sent him proof of how it was reporting and showing on my credit report. At this time, Mr. XXXX informed me they finally realized they were not going into the correct system to get this request processed ( AUD was placed through E Oscar a few days later and he informed me they would request the  hard inquiry be removed as well if they could ). I reached out to the President of the bank and requested that this hard inquiry be removed since I did not give permission to do so and requested a letter of deletion be sent to me on XX/XX/2020 and I have yet to hear back from anyone at XXXX XXXX XXXX or receive the letter of deletion. My XXXX XXXX XXXX collection account was changed and is currently reporting correctly now.
Product: Credit reporting or other personal consumer reports

Hi My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 


This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 


I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice file suit against your company
Product: Credit reporting or other personal consumer reports

I am writing to complain about an identity theft case involving a XXXX XXXX XXXX with XXXX XXXX. My son used my personal information to add me as a cosigner without my knowledge or consent. As I stated in my FTC identity theft report, I never agreed to or signed for this loan. I never signed any documents, visited any bank, or gave any consent in person, over the phone, or in writing for this loan. 

My son has a XXXX XXXX that affects his judgment, and he took advantage of me by using my information without permission. I also have a XXXX  XXXX and XXXX XXXX, which makes it hard for me to understand things like this. I did not know my name was on this loan. 

When XXXX XXXX called about missed payments, I made a few payments, thinking I was just helping my son, like any mother would. I had no idea I was legally responsible for the loan. 

I gave XXXX XXXX medical proof of my XXXX  XXXX, but they still denied my claim. They said the few payments I made meant I accepted the loan. This is not fair. I was tricked, and now I am being punished for trying to help my son. 

I am asking XXXX XXXX to review my case again and remove my name from this loan. I should not be held responsible for something I never agreed to. Please let me know what can be done to fix this.
Product: Credit reporting or other personal consumer reports

During the Equifax data breach my information was leaked as a result my information inquires are on my report that are not related to an actual reporting account that is open.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding an issue with my credit report, which has been inaccurately impacted by collections reported by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I noticed an unexplained XXXX decrease in my credit score. After reviewing my report, I discovered two collections that were added related to a car rental from two years ago. 

The rental involved a faulty vehicle from XXXX, which had multiple issues, including malfunctioning air conditioning, windows that worked intermittently, and problems with shifting gears. XXXX 's only solution was to return the car to XXXX XXXX, hours away from my location, which was not a viable option. I prepaid for the rental, and despite raising these concerns, XXXX did nothing to resolve the issue. I filed a dispute with my credit card company and after their investigation they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX. 

After contacting Equifax to dispute these collections and provide documentation supporting my claim, I received a response stating, " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' However, I strongly believe these charges remain unverified and unjustified, as Equifax did not conduct a proper investigation into the matter and XXXX XXXX  still has yet to verify the charges and send me any documentation. 

I also attempted to dispute the two collections on my credit report with XXXX. However, I encountered a significant limitation : XXXX only allows one open dispute at a time, which unnecessarily prolongs the process and extends the negative impact on my credit score. When I contacted customer service via chat, I was informed that there is no way to have more than one dispute open at once, further delaying any resolution and leaving my credit report tarnished for a longer period. 

I request the CFPB 's assistance in investigating this situation and ensuring that my credit report is accurately updated to remove these invalid collections. This issue has caused a significant and unfair drop in my credit score, which continues to affect me financially. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, scammed out of {$400.00} through XXXX by using XXXX that was linked to my bank account United bank Contacted both XXXX and United bank and they refuse to reimburse me.
Product: Payday loan, title loan, or personal loan

I, the consumer, and natural person, was denied credit by Bread Pay Financial, when I applied for credit in the amount of {$3200.00} for furniture goods from XXXX. Instead, Bread Pay Financial approved me for {$1500.00} and encouraged the consumer to re-apply in 90 days, as I may qualify for a different loan amount at that time. 

According to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 169k. 

Bread Pay ( Comenity Capital Bank ) subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against Bread Pay Financial due to the response I received. 


Bread Pay Financial is in violation of 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued for the demanded amount. 

Furthermore, because my social security ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bread Pay Financial ( Comenity Capital Bank ). 

As a result, under 15 U.S.C. 1611 and 15 U.S.C. 1691e, Bread Pay Financial ( Comenity Capital Bank ). Are civilly liable for any damages suffered.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX have been given me a hard time removing inaccurate information on my consumer reports i have send in notary documents and handwritten letters upon their request and in return no action taken place I am writing asking can you please look into this matter asap
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be removed from my credit report. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX CARD - XXXX - XX/XX/XXXX - {$100000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, through a credit report, I found out that my down payment of approximately {$14000.00} was misapplied to my loan. It was supposed to be paid forward as 39 months of payments, but was applied incorrectly. Bank of America, without any communication whatsoever charged off my account and marked 6 months of payments as being " late, '' when it was their error to begin with. This caused my credit score to drop around XXXX points, which is detrimental as I am trying to apply for a home rental. I am becoming extremely livid with the sluggish pace of the " resolution, '' which has take over a month to even UPDATE the charge-off reversal status. It's been in limbo for OVER A MONTH without official reversal even though it's supposedly been " approved. '' Every representative I speak to acknowledges that it's Bank of America 's error, but the issue at hand is not being taken nearly as seriously as it should be, nor is action being taken quickly enough. I'm teetering on the line of whether to seek legal recourse for the issue because of how greatly they've royally screwed up my excellent credit and put me at risk of having my car potentially REPOSSESSED for incorrectly charging-off my auto loan and not even informing me that there was an issue with how the original representative supposedly " fixed '' my initial issue. Oh yeah, that's right they screwed it up TWICE, and the second time didn't notify me.
Product: Money transfer, virtual currency, or money service

I opened a Wise account, went through the verification process ( Wise requested a copy of my Driver 's License front and back sides as well as a selfie ). Then I had to initiate a transfer from my bank account to deposit {$20.00} in my Wise account. Among other options ( XXXX, ACH, Wire, credit card ), transfer by debit card was also an option, and I went with it. I provided my debit card information and successfully deposited {$20.00} ( it took about 6 hours as opposed to seconds, as advertised by Wise ). Then, I attempted to transfer {$1200.00}, the amount I intended to transfer out of my Wise account to pay for something that I purchased. My debit card was declined and apparently the transaction did not go through, however on the home page the transaction appeared as " Adding '' = a pending transaction without ANY information about when my bank was contacted, how long it was going to take for the funds to arrive and be available for transaction. I called Wise twice. The first time I got disconnected and the second time the agent told me that despite debit card being displayed as a payment option, it is not. This was the first time I tried using their services and I am having a very unsettling feeling about Wise and am worried that no payment will be able to be made in a timely fashion ( which is the very reason I signed up for their services ). Also, there is absolutely NO WAY to delete the debit card information I provided. It is also very unclear what is going on and whether I should cancel this " pending '' transaction and try to pay for a product/service using a different method. Very unclear and conflicting information that keeps the consumer in the dark about the process and status of their transactions.