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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have waited 30 days to see changes to my credit report, and there were none. I sent information to Experian and XXXX regarding the reporting of the bankruptcy that is showing on my credit report and both Experian and XXXX stated that they verified the account by sending me correspondence that it was accurate based on what was reported from the bankruptcy court. I received correspondence from the courts as well stating that they do not provide information to any of the bureaus regarding validation so that means Experian and XXXX lied. 

XXXX : Account number : XXXX, The filing date is incorrect and also reporting another Account Number : XXXX which is incorrect, inaccurate, and unfair reporting. 

This is really stopping me from rebuilding credit. How can I rebuild credit if these inaccurate accounts keep reporting negatively? Can you answer that for me? How is that possible to verify these accounts as accurate when XXXX did the same investigation and the bankruptcy was deleted? Can you tell me what data you are using to verify this information because the other two credit bureaus are reaching out to the same court to investigate the above accounts? Im planning to file complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state, as well as the Consumer Financial Protection Bureaus because you have failed to fix the problem. Please re-investigate the accounts indicated above as I have provided you with new information. Im not complaining, I just need this inaccurate item fixed. Im ready to file more complaints with other agencies if this matter is not fixed. 

Please send me an updated copy of my report and notification that items have been updated.
Product: Debt collection

XXXX XXXX XXXX Dear XXXX, I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter. 

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

Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I am having issues with my credit report, XXXX XXXX XXXX will not show as closed on my account or the credit agencies wont report it correctly.
Product: Mortgage

After receiving roof damage during Hurricane Ivan, I submitted an online application with Navy Federal Credit Union ( NFCU ) for a Home Equity Line of Credit ( HELOC ). My intention was to repair the roof using the funds from the HELOC while I await my insurance settlement. 

I received an email requesting a telephone interview from XXXX XXXX, Equity Processing XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX | XXXX, VA | XXXX Telephone : XXXX | Fax : XXXX Email : XXXX, On Friday, XX/XX/2022, during our very first conversation, XXXX XXXX outlined that there would be approx. {$2000.00} in closing costs and that the roof would probably have to be replaced BEFORE they could approve the loan. I immediately responded by instructing her to withdraw my application. She replied " okay ''. She agreed to withdraw my application. She then called me back a few minutes later and stated that " by law, they must record my loan as declined ''. That is absolutely untrue. My loan was not declined, nor had they even offered me the loan or completed the interview. It was in fact withdrawn. She then stated that it would not be reported to credit agencies, but would be marked as declined only in the NFCU internal records. I advised that his too is unacceptable. 

So, I am requesting your assistance in having this matter resolved. I have a long-standing and blemish-free relationship with Navy Federal. I have referred dozens of borrowers due to the professionalism I experienced with NFCU, until now. I will not allow my record with NFCU to be tarnished because I withdrew a loan application. 

I'm not trying to be unreasonable but, I take my credit extremely seriously and they are threatening to disrupt my years of hard work by fraudulently recording my application as declined. They DIDN'T decline my loan, I WITHDREW my application. 

I am a XXXX, XXXX XXXX veteran and I rely on my credit in the event of emergencies. What NFCU is doing is not only deceptive and destructive, but I believe it is fraudulent and illegal. 

Please help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This misinformation is severely impacting my financial future, limiting my ability to obtain loans, credit, and other opportunities. I am requesting an urgent investigation and the immediate removal of these accounts to prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under : 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
Product: Credit reporting or other personal consumer reports

I have called XXXX XXXX several times and also sent them a police report stating that I did not open up all those loans and credit cards and it is XXXX increase on my account and XXXX closed accounts. I was told by someone that it will be deleted off my credit by Monday. I check my credit is still on there. I asked him politely to remove this from my credit because it is stopping me from being being able to move forward to get a home all of those inquiries and close accounts are fraudulent accounts. It needs to be removed
Product: Mortgage

I am behind on my payments. I have been making a steady payment monthly though. Suddenly this month they are refusing to take a single payment that does not include all of the back balance. Refusing the payment will put me a few days from the time they can start a foreclosure process. They wont let me set up future payments to pay it off, wont let me set up a repayment plan. It's all or nothing without warning all I keep hearing is that it's their policy and has been for years yet I made the payment last month without issue and every month before that. The rep I spoke to was cold and refused to even review the notes on the account stating they have taken the payment in the past. It's very clear this company does not want people to keep their home, they would rather push you in to foreclosure than work to seek a resolution.
Product: Student loan

On XX/XX/XXXX, my account was placed into forbearance due to being part of the SAVE program. I continued to make payments throughout, taking advantage of the 0 % interest rate. On XX/XX/XXXXXXXX  I had made a {$1400.00} payment towards my final loan that brought my total owed down to {$2100.00}. Under my loan details, that was the balance showed until XX/XX/XXXXXXXX  when I made a final payment in full of the {$2100.00}. Once that payment had cleared on XX/XX/XXXX, I showed a balance of {$0.00}. 

On the morning of XX/XX/XXXX I logged into the account to see if I had any notification of final payment or the loan being paid in full, and I noticed that I now owed a balance of {$17.00}. I used the chat function within the website, and was quickly greeted by a representative. She would check back in every few minutes to say she was researching my account, then ended the chat without answering any questions. I was able to get another representative ( XXXX ), and she informed me that my outstanding balance as of XX/XX/XXXXXXXX  was {$2200.00}. I told her that was not the information I was provided, and explained that just the day prior I showed a balance of {$0.00}. She said that she was sorry, but the only way for the account to be closed was to pay the {$17.00}. I ended the chat with her and called the direct line. 

Once on the phone, I notified the new representative that I would record the call for my records. She had told me the same thing as XXXX, but this time when I explained the situation further, she said she would talk with a team lead. After a brief hold, they were able to remedy the situation and re-XXXX  my account back out. They mentioned that there was a software glitch that caused payments to not be reported on their end. 

My concern is that if I would have just listened to the first two representatives, I would have had to pay the new balance due. It was not a large amount by any means, but {$17.00} spread out over millions of borrowers could result in MILLIONS stolen from customers at no fault of their own. I recommend any borrower do their due dilligence and maintain physical evidence of payments and balances owed upon every transaction.
Product: Debt collection

XXXX I called IC Systems to set up a payment. I settled the debt of XXXX to XXXX. I made a payment on XX/XX/2023. The XXXX payment which was removed on XX/XX/2023 out of my checking account. They said they would email me a copy statement of my transaction and the agreement to my email : XXXX within XXXX hrs. I have received anything from them. 
XXXX I called IC Systems again to follow up with email that i have not received that was to show i paid the XXXX and the agreement to pay the other half of my debt. When I called the manager said they did not have the correct address on file, therefore i need to update my current address before I can get the email notification. Then the manager said i could not get the email immediately despite the fact I have waited the 24-48 hours. She said i will have to wait another 24-48 hrs because my physical address was not updated. This is not my fault. 
XXXX 3rd party Representative called with 3rd party on the line to verify information and the representative said they could not verify the payment made because they did not have access to see the information. 
XXXX-I then called IC systems back with no one on the line but myself and IC systems representative whom said that a payment was made of XXXX and the other payment was. 
XXXX called again got a representative who finally found my account with a 3rd party on the line and finally verified my information.
Product: Credit reporting or other personal consumer 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  An identity theft report has been made for removal of these hard inquiries.
Product: Debt collection

An amount of {$9200.00} was added to my account stating that I opened an account with them in XX/XX/year>. I know of no such account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is trying to dispurya debt for XXXX XXXX and XXXX a hospital I have never visited. I have tried to dispute this error with all XXXX credit reporting agencies and they have yet to remove this account from my credit reports.
Product: Credit reporting or other personal consumer reports

Im sending in my dispute letters to the credit bureau and Im getting a generated response from the credit bureau stating that they dont believe the letter came from me and they are not responding or investigating my report correctly and I would like a response promptly
Product: Vehicle loan or lease

I realized after I made my XXXX payment and it got returned that my identity has been stolen, I have a fraud alert on my credit report, so when I remade the XXXX payment on XX/XX/XXXX, I included the {$30.00} NSF fee With my payment I was remaking. I thought we were square there was no issues I was wrong. 

Since having my identity stolen weve struggled with bills a little bit and Ive been making that payment later than the 10 day grace period. And when I have Ive been including The difference in payment with the car payment, Normally the car payment is {$500.00}, In XXXX I made the payment of {$530.00} They credited the entire amount to my account and still leave me hanging with that fee, None of the other lenders I have car loans with did that to me its only Santander, Same thing happened in XXXX when I made the payment later than the 10 day grace period, So when I look at my statement this month It says {$130.00} in fees and charges XX/XX/XXXX I made My payment {$530.00} XX/XX/XXXX I made my payment {$590.00} XX/XX/XXXX I made my payment {$520.00} XX/XX/XXXX I made my payment {$530.00} Which totals {$2100.00} in payments Four payments normally would be {$2000.00} Which is a difference of {$150.00} that I included for late fees and charges that they credited to the principal and interest instead of crediting to the late fees and charges And if I wouldve discovered this back in XXXX I wouldve called then but calling and talking to them was like talking to a road sign I will include all the statements to show proof that I was doing the right thing and including fees with my payment and they didnt credit that way which is XXXX all my other banks did especially in light of the situation
Product: Credit reporting or other personal consumer reports

**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnisherXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for XXXX   XXXX  & XXXX XXXX. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 
If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just recently made aware of multiple accounts that were attempts at either someone trying to take out credit cards in my name or that someone else 's information is somehow showing up on my credit report and its causing a negative impact on my life keeping me from moving forward and progressing in my day to day life i have already filed a police report which i have submitted in this complaint i would greatly appriciate it for these incorrect reports to be permanently removed from my credit report so that it could reflect a true reporting thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporter Conversion ... .acct # XXXX acct # XXXX acct # act. # XXXX act. # XXXX 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 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2015 I been requesting an investigation from XXXX XXXX trans union regarding my consumer report Via credit repair services. For years now I been subjected to inaccuracies, miss information and errors on my consumer reports due to the credit bureau. Title15 USC 1681 ( 3 ) protects my right to consent and privacy. Credit bureaus do not have written consent to report anything regarding me nor do they have my permissible right.