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

I am writing to express my deep dissatisfaction and concern regarding the numerous, unsuccessful attempts to remove certain items from my credit report. Despite persistent efforts and a substantial amount of documentation supporting my claims, these items continue to adversely affect my credit history, causing significant distress and financial harm. 

The items in question are as follows : I have initiated disputes and requests for removal of these items on multiple occasions. I have provided extensive documentation to support my claims, including proof of resolution, payment, or inaccuracies. Despite these efforts, these items persist on my credit report. 

The continued presence of these items has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the items in question. 

An investigation into the origins and validity of these items, including the verification of any claims I have made regarding inaccuracies. 

Immediate correction and removal of these items from my credit report if they are found to be inaccurate. 

An explanation for the extended delay in resolving these disputes and the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify these items and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your immediate assistance to remove the following fraud items in my credit report : 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
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent inquiries be blocked and deleted from my credit report : Fraudulent Inquiries to Be Blocked and Deleted : 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

On my report some of my credit wasnt cleared after 7 years ... why are they showing up on the report now ; closed account
Product: Vehicle loan or lease

Hello, my loan has been paid in full with an balance refund due to me from overpayment in the amount of {$590.00}. Chase cut the check to be sent to my home on XX/XX/XXXX. I still have not received my check. I have tried to get the matter escalated via customer service but to no avail.
Product: Student loan

I have emailed and called MOHELA since XX/XX/XXXX and still have not received updated, accurate information. Every representative gives different information that seems to be inaccurate. I have worked for XXXX employers over the last 8 years and all of my qualifying payments have not been applied. Every time I speak to someone, there is no resolution. MOHELA is vey disorganized and have not helped with the PSLF loan forgiveness program. They are delaying my loans being forgiven because they have failed to update my account. They have failed to change my repayment to a IDR payment and the Department of Education completed it as of XX/XX/XXXX. I am going to report them to the Department of Education next as MOHELA as a servicer is a joke. 
Whenever they do not have any updated information, they keep you on hold for hours and then somehow the phone becomes disconnected. This has occurred every single time I call them which is at least 3 times a month and still I have no answers to any of my questions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, in. ) due to inadequate customer service and unfair practices with violate the consumer financial protection act cfpa especially cash affair to take timely and effective measures to prevent and address five on their platform leaving my account vulnerable and not protected furthermore they're dispute resolution process was unfair interceptive as they did not comply with error resolution requirements on the electronic fund transfer act ( efta ) and regulation e these actions have caused significantly inconvenience financial loss and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX This account is reporting inaccurately and with each bureau. If this account is verified as accurate with each bureau why is each bureau reporting different information? Two are showing this has a charge off and being purchased by another lender while one is reporting as open with a payment balance and past due amount. All are reporting different dates of last payment, different dates of last activity, and different account statuses. I demand the method of validation which was never sent too me in the first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are illegally reporting on my consumer report. They are blatantly reporting my NON PUBLIC PERSONAL INFORMATION in violation of Title 15 USC 6802 ( GLBA ) which states that a federally protected consumer like myself should initially be given NOTICE that I have rights to OPT OUT of credit reporting and these companies are in violation of the Gramm- Leach Billey Act ( GLBA ) I for transporting my personal information to non affiliated 3rd parties without my PERMISSION as I will sware to never receiving any " NOTICE '' in a court of LAW.

I want these items listed below Deleted from my consumer report ( s ) immediately as they are reporting without my permission and that is ID Theft! 

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

I have tried to work with Trans Union, XXXX  and XXXX for over a year.

They refuse to investigate and acknowledge the letter form the US Federal Court.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

I am currently repaying a student loan to navient department of education loan servicing the problem is the interest rate is very high and they have divided my loan into XXXX so the interest is higher and I have seen on the local news that many other customers are being charged very high interest rates from navient the interest that I have paid is well over the amount of principal paid
Product: Credit card or prepaid card

During late 2019 I was very busy and going through a tough time with the holidays before and around XXXX time at work and at home that I happened to miss a payment on my XXXX XXXX XXXX ( Formerly XXXX XXXX XXXX XXXX XXXX ) MyRewards Platinum visa credit card, my first missed payment in nearly 5 years of membership with this bank. Once XXXX XXXX XXXX was able to make contact with me through a phone call, I apologized and had them transfer the past due amount of {$33.00} to my credit card immediately. Furthermore, because I value my relationship with said bank, I made and additional payment only two days later of {$59.00} which is nearly double the past due amount and nearly triple the regular minimum monthly payments of {$20.00}. My credit score dropped 73 points points as a result of the one missed payment which is a heavy handed and absurd calculation by XXXX  and Transunion.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$300.00} XXXX XXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX XXXX : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX {$300.00} XXXX  XXXX XXXX  Account Number : XXXX {$550.00} XXXX  XXXX XXXX  Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX  XXXX bankruptcy discharged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX {$300.00}. 
XXXX XXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00}
Product: Student loan

I have repeatedly tried to login to my account online, but the site claims that I have no record of a Navient Loan, formerly Sallie Mae. I have been offered a variety of repayment options, none of which I can particularly afford. I have also agreed to some of those terms, and the payments were rarely allocated to my account. I am not really sure how to pay when the customer service agents don't call back or accept my payments when I call in. Overall I am not really sure how to resolve my balance which is 110 % more than what I borrowed. Don't get me wrong, I am absolutely willing to pay, and attempting to pay, but there doesn't seem to be a clear way to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and filed disputes with XXXX and Transunion about a collection. XXXX XXXXXXXX is saying I owe a debt for a medical collection. I have requested the company XXXX XXXX to provide the original HIPPA release form and/or the original signature for this MEDICAL bill. They have yet to provide it. I asked have in XX/XX/2021 XX/XX/2021 XX/XX/2021 and XXXX and XX/XX/2021 I have also filed a complaint with XXXX XXXX.
Product: Mortgage

We were in bankruptcy which was dismissed on XXXX and since the loan was not paid off we requested a loan modification. We were denied on XXXX without ever filling out an application which Mr. Cooper was supposed to send me. Then we received a letter on XXXX stating that they had started the foreclosure process. NY state law requires that the court conduct a Mandatory Settlement Conference with me and my lender. Since we never received an application for the modification the court instructed my lender to send me one. I did receive and complete the application with minimal information. I was not asked for anything additional but was denied again. The Mandatory Settlement Conference is still ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an impeccable on time payment history with XXXX and I am extremely concerned with their abusive and deceptive reporting of inaccuracies as of current. I was in a deferment during covid which was to end on XX/XX/XXXX and so I was not required by law to make any payments however because I had a little bit of money I made to payments on my XXXX  student loan accounts one on XX/XX/XXXX in the amount of {$300.00} and the second one on XX/XX/XXXX in the amount of XXXX. 
Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies as well as data furnishers such as XXXX have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. 
Attached is the verifiable accurate information that should be reporting on m current consumer report and if they are in violation of it I am entitled to pure a law suit. XXXX as a data furnisher is also Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation which they have caused and thoughly violated my consumer rights be report such inaccuracies on my consumer report which represent my crediabilty as a consumer and is causing me severe harm and I do intend to file suit if they are non-compliant with these statutes and laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several major errors in regards to the information reported to my credit. Also, I was a victim of identity theft and someone stole my identity and used it to open multiple accounts using my information. After trying for the past 3 months to have these fraudulent accounts removed Experian has done nothing in helping and has not removed a single account. I sent them a letter with all of my personal information as well as a detailed list of the accounts that did not belong to me and they have failed to uphold there legal obligation to remove these accounts that do not belong to me. I did plenty of research online and read the entire Fair Credit Reporting Act and submitted all the proper documents, proof of identification and residence, as well as an official police report and they still have not acknowledged my letters and the fact that the accounts listed on my report do not belong to me. 

Here is the list of accounts that Experian are reporting to my credit report that were not authorized to be open by me and are the result of someone stealing my identity and using my information to open. 

1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX  3 ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX  Account # XXXX 5 ) XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX  7 ) XXXX Account # XXXX  8 ) XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and Equifax and XXXX  hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

Equifax and XXXX and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 

Also add my former employer on my credit reports. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CaliforniaXXXX XXXXXXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX XXXXXXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my XXXX XXXX Act under Department of Justice. 
With Honor and Respect Always!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with the bureaus on XX/XX/23 requesting verification and proof of validation for these accounts. I have not received any dispute results. 
These account have been inaccurately reporting with HIPAA violations, numerous inconsistencies within their reporting that I have provided from the reports, & one doesnt even have the name of the creditor attempting to collect & is outdated. 

Given the circumstances, I am allowing one more investigation before I take further action. 

Please supply a binding contract with my signature for all accounts attached. Failure to provide this will result in a deletion immediately.
Product: Mortgage

XX/XX/2015 I submitted a partial payment for an escrow shortage. I called XX/XX/XXXX to see if it was received and the lady said yes, but it was applied to principal and she would switch it to escrow and she did. She was looking at a different transaction- my bank had sent 2 full XX/XX/XXXX payments by mistake and one of them was applied to principal. Had she looked back one more week, she would have seen that they already received my escrow payment that I sent by check. When XX/XX/XXXX came due, I noticed what had happened because almost all my money was gone. I called them immediately and explained that the principal she changed to escrow was a mistake and to apply it to the XXXX payment. I had to write a letter to request this, and I did. I paid XX/XX/XXXX, but I would not have enough for XX/XX/XXXX since I had sent them an extra payment. They said it would get taken care of before XX/XX/XXXX was due. I called XX/XX/XXXX and I was informed the matter was closed and it still was n't applied. They have since reopened investigating, but now my XX/XX/XXXX payment is late.
Product: Debt collection

Professional Debt has been sending me collection notices in the amount of {$1800.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Wells Fargo contiues to violate the terms of the XXXX. I am currently requesting a copy of my Loan History Y-T-D ( Year to Date ) from them. I have requested this by fax and by mail. This is not priority or confidential information. It is a computer generated statement and it belongs to me. They refuse to send it. I did request it in the past XX/XX/XXXX and received a copy with absolutely no trouble. There is currently a foreclosure issue ( XX/XX/XXXX filing ) and this information is not confidential. It is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.
Product: Credit reporting or other personal consumer reports

Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All 3 credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all 3 credit reporting companies, XXXX, XXXX and TransUnion to be removed asap! I have supporting documents that's been mailed certified to all 3 companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.
Product: Debt collection

I have reached out to spring Oaks Capital LLC several times and they have failed to provide the burden of proof to me in mail over time. Please help me help them follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is specifically about Equifax, and how they could not provide me with a credit score due to missing my SSN. I have always been able to get my credit report from XXXX ( who I regularly monitor my credit with ) and XXXX. However, with Equifax, I have always received an error message. I decided to look into it a couple months ago when I tried to get my 3 bureau report from XXXX and they told me there was an issue. So I called XXXX, no issue. Then I called Equifax, major issue. Equifax was very difficult to get through to but ultimately they said that they had no information about me and were missing my SSN ( apparently no lenders have reported about me to them, which I find shocking ). So they tell me to email my Divers ID and my SSN card to  XXXX. I send it and get a vague and useless email later saying that they are having issues with my information and that I need to fax the same exact information that I had just sent to a specific number. First of all, why am I getting mixed messages on where to send this very sensitive information to? Second of all, why am I being asked to send it to several places where I can not validate the security? Third of all, why do they not keep their data centralized? Would n't you expect information that was emailed over, be stored in with all other information? Anyway, I called the number in the email response about my information a few times. Every time I called, I mentioned the Case ID # from the email. None of them had a clue what I was talking about. None of them knew about any type of Case ID #, which makes me think they do n't centralize their complaints. No one was helpful and no one could give me any real answers about where my information is going and why they do n't have it and why I need to send it again. They also put me on hold indefinitely so that I ca n't respond to the survey at the end. I 've been given the run around for over a month now, have gotten nowhere, and am at my wit 's end. All I want is for them to update my blank SSN with my actual existent SSN ( exactly what XXXX and XXXX successfully have on file ). I then just want my credit score.