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

Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 

The following incorrect addresses are listed on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is as follows : XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the XXXX timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. 

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

SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from XXXX Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
XXXX provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my Equifax credit report, XXXX is showing a open balance amount of {$41000.00}. Since XXXX merged with XXXX Bank and the last document I received was from XXXX I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that XXXX reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my Equifax account with no resolution from XXXX Bank.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX - {$4500.00}
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX I feel behind on my loan payments and started a accommodation repayment plan to take care of the past due payments due to the COVID-19 global pandemic. This payment arrangement was set up with Flagstar bank who then and currently services my mortgage. Upon completion of these payments arrangement I was informed that my loan would be brought back current and there would be no derogatory remarks on my credit report. My account has been brought back current but the derogatory remarks and late payments still remain. 

This is a clear violation of the " CARES ACT '' that was passed by congress on XXXX XXXX, which was retroactive from XX/XX/XXXX to the end of the global pandemic. 

I have attached a copy both payment modifications and credit reporting of late payments
Product: Vehicle loan or lease

My car was totaled XX/XX/2021 and Im a single mother of XXXX and had to buy another vehicle so I had 2 car payments I reached out to the CEO and multiple persons at BMW financial and they would not work with me. I have now sent in additional letters asking to settle for 1000 Thats all I can afford.

Please help me No one at BMW is willing to help Me I have been paying 100 a month
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding inaccuracies in the personal information and previous addresses listed in my credit reports from XXXX, XXXX, and Experian. Despite my efforts to address these issues directly with the credit bureaus, the discrepancies persist, and I am seeking your assistance to resolve them. 

Details of the Issue Name Variations : My credit reports include multiple incorrect variations of my name, such as : " XXXX XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX XX/XX/XXXX '' My correct legal name is " XXXX XXXX XXXX ''. The incorrect entries must be removed to prevent potential confusion or misuse of my personal information. 

Address Discrepancies : The reports also list multiple variations of my address, including : XXXX XXXX Av, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX The correct and current address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. I request that outdated and incorrect addresses be removed to ensure accuracy.
Product: Credit card or prepaid card

My complaint is that I had no way to cancel the annual renewal with XXXX XXXX by phone or online. I did attempt to cancel timely, but I wasnt able to reach the vendor in a reasonable manner. XXXX XXXX phone number on the credit card statement was only a recording referring you to go online. Then online you must have a login with user name and password. I dont have the user name and password and the email account it was under does not exist anymore. No other method is provided. I then called USAA to dispute in XXXX. I called back USAA in late XXXX XXXX to follow up, but no dispute was done. It's an unknown reason why the dispute wasn't started in XXXX. USAA asked me to upload a letter online explaining what happened which I did. I just found out today XX/XX/XXXX that you don't receive my letter upload explaining what happened. USAA denies my dispute. 

USAA is not able to help or answer the questions : How would I have canceled this service with a phone number that leads to a recording? 
How can I cancel the service now? 
Can USAA confirm this account is canceled and no longer active? Obviously, I have no way to contact XXXX XXXX. 

backstory : I had my office assistant order XXXX XXXX back in XX/XX/XXXX. We used the service only in early XXXX. I wasn't aware it renews annually. 
My office assistant XXXX XXXX left the company in XX/XX/XXXX. Her email is no longer active. I don't have the password to login XXXX XXXX. I was unaware the account auto-renews annually. I have no way to log in and use the account. I want to cancel it! 

I saw this annual renewal charge on my XXXX USAA statement XXXX. I called XXXX XXXX to cancel and get a refund. The XXXX XXXX phone number was a recording to go online. So I tried to go online at XXXX XXXX, but I could not log in, and there was no other way to communicate with XXXX XXXX online unless you login.
Product: Credit reporting or other personal consumer reports

I do have few ongoing loans. 
I closed most of the account 3 and 6 months before. 
But still my report is not getting updated in Equifax report for more than 6 months. 
As per rule, It should be updated in 30-45 days. 
But for me still not updated. 
Because of this my credit score getting impacted. 
How can I take the responsibility of this when the issue from Equifax side. 
I am sending repeated follow-ups and mails to Equifax for more than ten days. 
I attached my loan account details and its closed dates also as per XXXX XXXX. 
But still there is no positive response from them. 
How these details are reported on time in XXXX XXXX but not in others? 
Please look over this issue. 
I attached my Latest Equifax report and mail content sent to them.
Product: Student loan

I have been trying to pay my loan off to the XXXX XXXX XXXX for the last couple of years. I have called numerous times and constantly keep on getting that my loan has been sold to different debt collectors which keeps causing me to wait and once I get back in touch the loan is sold again to another collector I really need help because they are making it impossible for me to pay off my loan.
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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

I open the an Bank of America Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, bank of America States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and MBNA. These are a few of the know debt collectors using my information as tactics to defame my consumer report.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/XXXX. This is my tracking number # XXXX for the letters that I sent off to the Bureaus to remove personal information that is not mine on my credit report, as well as fraudulent and inaccurate information that is causing my credit score to drop as well as me get denied credit. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1600.00} Amount {$1600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is fraudulent and is not my account and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will affect me with my transactions in the future and so, I would like it to be fixed.
Product: Credit reporting or other personal consumer reports

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : XXXX. XXXX XXXX XX/XX/2024 I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Product: Credit reporting or other personal consumer reports

The credit report is still showing XXXX AND XXXX accounts as charge offs. I have paid off these accounts in full dealing with the banks directly and there is no outstanding balance on any of these accounts. Please note the details below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request to review these and ensure they don't show up as charge off on my credit report going forward. Thank you in advance for your understanding and help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

One of my loan holders has filed a lawsuit against my co signer and never contacted me. My father is XXXX years old and on a fixed income. I have not had reliable income in years. I am finally able to go back to school to finish my degree. I do n't know who is filing the law suit, and they do n't give any information on the summons my father got. It does not list the date or time of the hearing, just that he is being summoned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have written letters to Experian Information Solutions Inc. regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I went to XXXX Toyota of XXXX XXXX to look at cars. Upon arrival, a Sale lady approached me and asked me how can she help me. Her first question was " Is it the first time you are buying a car? '' I said yes. Then, she took me to see the cars. She convinced me to get the car by stating it was a good deal. I was told the car price was {$33000.00}. Then, when I went to the finance department, the price had change from {$33000.00} to {$38000.00} including my {$4000.00} down payment. I informed the guy from the finance department that the car price was {$33000.00} ; not {$38000.00}. He convinced me by saying as a new car buyer, this is the best deal I can get. They used my lack of knowledge to rip me off on a XXXX XXXX XXXX Toyota XXXX XXXX. 

After receiving the paperwork, I noticed the Total Sale Price of the car came up to {$61000.00} which was not discussed with me. Based on my research, a XXXX XXXX XXXX Toyota XXXX XXXX is only worth {$20000.00}. Toyota was a name brand that I trusted. Unfortunately, they failed me. Therefore, I need to cancel the deal. 

Thank you
Product: Credit reporting or other personal consumer reports

I have previously disputed { PUBLIC RECORD } on XX/XX/year>, and in response, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their response is enclosed. 
It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681A ), Right to Privacy.

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681B ), Permissible Purpose.

Therefore this information must be deleted immediately. 

I have attached a letter from the courthouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts.

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SECURITY BREACH HAS DESTROYED MY LIFE ... INACCURATE INFORMATION REPORTED ON MY CREDIT REPORT
Product: Debt collection

Global Consulting Agency is a debt collector that is only registered to do business and allowed to legally collect a debt in the state of Arizona, and I'm located in the state of Florida. I wrote the company on XX/XX/year>, and gave them 15 days to provide information showing they are in fact registered to do business in Florida and they have a license to collect on a debt, and I also asked for the purchase agreement and bill of sale showing they owe the debt but have not provided anything to me.
Product: Student loan

On XX/XX/2023, at XXXX XXXX, I called Nelnet to get details on why they could not process my request via studentaid.gov for a change in my repayment program. I was on hold for 1 hour and 35 minutes before I had to hang up due to other obligations. I still have not been given a reason, and my repayment plan has still not changed. Nelnet does not have a call you back option when waiting to speak to their customer service.
Product: Credit card

Before going on vacation, I set my CitiBank credit card online account to pay my amount owed automatically on XXXX XXXX 2015. My bill of XXXX dollars was due the next day on XXXX XXXX 2015. When I returned from vacation on XXXX XXXX, I was shocked to see XXXX emails that had been sent to me on XXXX XXXX 2015 telling me my credit limits on XXXX cards that I hold with Citi had been significantly reduced XXXX XXXX card from XXXX to XXXX and the other from XXXX to XXXX dollars ) and the XXXX had been cancelled all together. I was also charged a XXXX dollar late fee and my APR was increased from XXXX to XXXX on my remaining cards. I called the company to complain about the situation and was basically told there was nothing they could do to help me. The representative did say he would ask them to remove the XXXX dollar late charge and any remark placed on my credit report, but they may or may not help me with that. I 'm sorry that their system was acting crazy when I tried to submit my payment and it might have not went through, but this being the XXXX time I have missed a payment deadline with them I would have expected them to call me ( seeing as they had my cell number already ) or send me an email ( since they apparently had that as well ). I am in disbelief that they could do this to a customer who has never missed a payment and payed more than the minimum amount most of the time for more than XXXX years. So basically, their website was acting up ( kept freezing up ) when I made the payment and I thought it went through and because of my error I triggered a credit downgrade, a huge credit APR increase, a XXXX dollar charge and a possible derogatory remark on my credit statement. By the way, I paid the entire XXXX dollars I was told I had to pay as the new minimum payment on XXXX/XXXX/15 ( the day I returned from vacation and saw the emails ). This from a company that had to be rescued by taxpayers just a few years ago for mismanaging their assets. I do n't think this is fair and it is abusive to consumers. I would appreciate any help that you could provide me. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. NELNET LNS is reporting late, yet it is closed and the balance is zero as reported in XXXX  and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( NELNET LNS XXXX )