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

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing.

I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations.

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Mortgage

Recently while evaluating a Modification proposal from Ditech a number of issues were noticed which made acceptance impossible. In order to actually finalize the modification terms ( which were subject to change ) I first had to make 3 Trial Payments of {$2100.00} .This amount is higher than my original mortgage payment and certainly would not be manageable and would likely just result in another default. ( What is wrong with this picture?? ) The whole proposal is too vague and the unpaid balance is way out of line ( {$370000.00} vs my balance of {$280000.00} when I defaulted due to unexpected loss in income. Next was an estimated market value given as {$330000.00} on XXXX XXXX, then on XXXX XXXX in another letter the market value stated was {$320000.00}. Big drop in just 14 days ( Questionable info ). Last but not least-On the statement I receive each month it shows my regular monthly payment to be {$2100.00} and now recent statements show the payment as {$2200.00}. Why the big change ( No explanation ever given!!! ). I have offered other suggestions for possible remedy, but nothing seems to be taken seriously by Ditech or XXXX XXXX. My situation deserves a creative solution and I am still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CITIZENS BANK Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out various times go get this settled and I have not received any information. According to regulations the company has XXXX  days to respond it's been over 45 days now. I have attached proof with the complaint ID and information to show there was no response
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened as a result of unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$130.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX Mortgage has been reporting delinquencies to the credit bureaus for XXXX XXXX through XXXX XXXX. I did a modification of mortgage with XXXX as servicer for XXXX in XXXX through XXXX [ XXXX ID : XXXX ]. In a letter from XXXX they confirmed that they did not obtain this loan as a result of the XXXX Chapter XXXX XXXX bankruptcy filing under case XXXX. The servicing rights to the loan were sold to Green Tree Servicing and my account number with them was XXXX. XXXX did an Assignment of Mortgage to Green Tree Servicing on XXXX/XXXX/XXXX and it is recorded in Official Records Book XXXX, Page XXXX, Public Records of XXXX, Florida. After the Consumer Financial Protection Bureau and the Federal Trade Commission fined Green Tree, Green Tree Servicing merged into a new company called Ditech XXXX XXXX, who is now the servicer only has records back to XXXX XXXX per a letter I received from Ditech on XXXX XXXX, XXXX. I have disputed this incorrect information being reported to the credit bureaus and they have come back as 'verified ' but none of the entites remain except Ditech who does not have any information in their records from prior to XXXX. This is an issue I need resolved.
Product: Debt collection

This company southern credit adjusters have been calling me from different numbers being extremely rude and yelling. Ive told them to stop and they keep leaving messages and keep calling. I had enough today a young lady called stating I need to pay now.
Product: Money transfer, virtual currency, or money service

Today XX/XX/22 I sent {$300.00} through what I thought to be Zelle. I contacted bank and they could not stop it or refund
Product: Student loan

Hello I spoke to several representatives before XXXX about a forbearance. The system stated I used 3 months out of the 12 months available of forbearance. I made on time payments in the year XXXX which they claimed I used. 

Nobody followed up with me to fix the forbearance error since I never used the 3 months so I should have 12 months available instead of XXXX. 

Is that a glitch?
Product: Student loan

While in XXXX college I decided to move on an pursue a degree at a XXXX college and decided to look out of state. After applying and getting into XXXX XXXX XXXX, I worried about the cost of attendance and wondered how I could pay for this. My parents who at the time were supporting XXXX children with only XXXX income decided to send me to college, but looked into federal loan options to help me. After finding out that the federal loan system would give me less the a fraction of the tuition ( even though my parents did not make sufficient enough money to support our family and send me to school ) so I had no choice but to look into private loans. I was completely incompetent with regards to any financial literacy and Sallie Mae took direct advantage of that by assuring me and my parents that the loan would be easily repayable and that there were repayment options. They also denied my parents as co-signers and made me look to other immediate family. Now after graduation I am in over XXXX dollars of debt with over XXXX in interest because of the ridiculous rates and I only make about XXXX of the total in salary every year. I also have XXXX in federal debts and have filed for repayment programs to assist me in this crisis. Looking back on the experience, I was persuaded into accepting a ridiculous loan that in the end was a terrible investment because the education I received was EXTREMELY poor for the cost. I would have never even considered this loan had I had not been to young and nave to realize what a dangerous mistake this was, but the company took complete advantage of the fact that the material was so new and confusing. Terrible education should not cost that of a mortgage and because of this reality the education system has truly failed students looking for a better future.
Product: Debt collection

after i was trying to figure out why i got a second notice from a city slicking debt collecting. when i called i got some foreign guy answer the phone EASILY PULLED UP MY FILE ON HIS COMP and i asked him why did i already paid this company ( he said there was XXXX companies XXXX and XXXX XXXX i asked him how is XXXX charging me if i already wennt to jail thats extortion to the max. regardless of what paper i signed. then he said i owed a total of XXXX and that XXXX was charging me 300 and some dollars even thoe i already paid them and took care of them. also XXXX said they would give me a call to come in and talk after i already paid and figure out what we were going to do. that was XXXX 2014 and its now almost XXXX. I also had both the XXXX of my stores pat me on the back and say they are going to call me and we are going to get past this and get me back on the schedule. i told XXXX of those dms today and he acted like this was the XXXX time he heard of it. but back to the debt collector. he started raising his voice at me not letting me get a word in and wouldnt listen to the question i was asking. i asked him several times and he would dodge it. i asked why does it say walmart and he starts talking about XXXX. i asked about gamestop he avoided the question and talked about XXXX qibberish that had nothing to do with case. then when i keep asking questions he started getting loud and yelling at the top of his lungs to call tomorrow then hung up on me. i called again and i got this lovely women on the phone. she said her computers where down even thoe XXXX mins ago he has all my info and the account info pulled up and the all of a sudden their computers dont work? weird. then she randomly hung up on me. then i call back get a supervisor and he answered again, i asked for XXXX and he was like " IS THIS XXXX? STOP CALLING! '' Yelling at me. i said nope this isnt then he started listing off other people asking if i was them and then he just told me to leave him alone and that to call tomorrow to talk to his boss. if his boss hired him in not going to get much accomplished with a loser lawyer. the companies name is PALMER, REIFLER XXXX ASSOCIATES, P.A. By the way i hardly pay debt because most or scams and im not the idiot to buy debt. you have extra money so you just go give it away hoping people will pay you back hahahahahahahahahahahah what a joke
Product: Credit reporting or other personal consumer reports

I am a Natural person I am a human being. I have the right Under 15 USC 1681 EQUIFAX and other consumer reporting agencies are govern. 15 USC 1681 and they Violated my right Numerous of time. I demand that the accounts listed to be remove. 

According to the15 USC 1681 I have the right to privacy, and I didn't give Equifax the written permission to illegally park these alleged collection 's account 's on my consumer report. 

ACCOUNT XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, and my general mode of living ability to obtain credit for personal and house purposes. 

This inaccurate information have damaged my livelihood. 


15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Credit reporting or other personal consumer reports

Someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report! 

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my Experian, XXXX, and XXXX credit reports!
Product: Vehicle loan or lease

I have a GM FINACIAL ACCOUNT, the loan for XXXX XXXX XXXX, XXXX NUMBER XXXX, the ACCOUNT NUMBER IS XXXX, I did open this account and I paid in in full, but GM FINANCIAL reported me to XXXX credit bureau that on XX/XX/XXXX, I had one late payment, which I always pay on time, plus they had the improper address to send me the bill, and second they had my wrong account number, this company never send me any documents to tell me that I was late, the phone number for GM FINANCIAL IS XXXX ( XXXX ) XXXX.please contact GM FINANCIAL and have them correct the mistake that I was never late, Please contact me if you have any questions at my cellular number ( XXXX ) XXXX.
Product: Credit card

I had 2 late payments during the pandemic due to financial hardship and it has really limited my ability to further my future with the hit on my credit. I was a XXXX  in the cares act due to missing ours and wages and had to empty my XXXX just to be able to survive the pandemic.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was stolen from XXXX XXXX XXXX on XX/XX/XXXX. My insurance company nor XXXX want to be held liable for it. I have been paying the {$870.00} note since XXXX. I reached out to both and they are giving me the run around. My insurance was current and I was told to park there by the Rental car center
Product: Debt collection

On the behalf of XXXX XXXX XXXX sentry credit incorporated has attempted to collect a debt from me that is not owed on my behalf. They have impacted my credit in a result of doing so. The amount is {$3100.00} on XX/XX/2022. I filed a complaint and it was overruled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuni on had a computer breach that violated the rights of their consumers. Under section 6.11, I have been affected gravely and my credit score is suffering as a result. The glitch cased all of my inquiries to be deleted and my credit score increased. The very next week, all of the inquiries were reinstated, in direct violation of 611 of the Fair    Reporting Credit Act. I have spoken to se veral representatives at Transunion and each has acknowledged the breach occurs several times  in  XX/XX/XXXX  and  XX/XX/XXXX . However, they refuse to fix the errors on my credit report. I am requesting the the   reinsertions be permanently deleted from my credit report. I demand that the following inquiries be deleted immediately :   XXXX   XXXX   on  XX/XX/XXXX , XX/XX/XXXX ,  XXXX    XXXX   XXXX   on   XX/XX/XXXX ,    XX/XX/XXXX ,    XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX     on   XXXX  ,  XX/XX/XXXX ,   XXXX     XXXX   XXXX   on  XX/XX/XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX     XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX  on  XX/XX/XXXX ,   XXXX  ,   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on   XXXX    XXXX  on   XXXX  ,   XXXX     XXXX     XXXX   on  XX/XX/XXXX   XXXX  on   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, Im reaching out for the immediate deletion of all unverifiable, inaccurate, and incomplete accounts from my credit profile. I assert my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of my credit report. 

Specifically, I demand the removal of the following accounts : As a consumer, I have the right to : Accurate information : My credit report must contain only accurate and verifiable information. 
Dispute resolution : Experian must conduct a reasonable investigation of disputed items and provide me with the results. 
I demand that Experian : Delete all unverifiable, inaccurate, and incomplete accounts from my credit report. 
Conduct a thorough investigation of all disputed items. 
Provide me with written confirmation of the actions taken. 
Ensure that all future actions comply with FCRA regulations. 
I expect a prompt and satisfactory resolution to this matter. If my request is not fulfilled within 30 days, I will consider further legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Transunion reported two hard inquiries to my consumers credit report without my written consent to Transunion to do so. No consent is identity theft. 
I, XXXX XXXX never gave Transunion my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Transunion did not have permissible purpose!

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this account with XXXX XXXX and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these.

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase! 

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXX XXXX, CA XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was driving for XXXX and while at RedLight I accepted an order on my phone. I was pulled over and was given Violation 23123.5 ( a ) DRIVING WHILE OPERATING A HANDHELD WIRELESS TELEPHONE OR ELECTRONIC WIRELESS COMMUNICATIONS DEVICE which I obtained an attorney and contested NOLO CONTENDERE. I just clicked on screen to accept order.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please help, I have disputed these items which I DO NOT OWE. This company has 12 items listed on my XXXX credit file. This is crazy