23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} XXXX XXXX, XXXX XXXX TRANUNION HAVE CONTINUSLY DENIED DISPUTES XXXX- {$440.00}, denied by all 3 bureaus XXXX  {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} XXXX & XXXX
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows THIS ACCOUNT IS A FRAUDULANT ACCOUNT : B XXXX FIN SVCS LL XXXX IQUIRE NOT DONE BY ME ADT LLC ADT SECURITY Miscellaneous XX/XX/XXXX Equifax DEFENDER SECURITY Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX SER Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX SER Miscellaneous XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX TransUnion & Equifax XXXX Bank XX/XX/XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Finance XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank Apr 2, 2015 Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX, XXXX A Oil Companies XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XXXX EquifaX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Transunion, requesting specific information on how they verified the accuracy of the XXXX reporting on my credit report. 

Public Record Court Name : XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Court Name : XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Specifically, I requested that TransUnion provide the following information : The date you contacted the creditor/furnisher Name of the person who verified the item Method of communication used to verify information Whether the creditor provided SSN, address, and date of birth Despite my clear and thorough request and the provision of my driver 's license, a copy of my Social Security card , and proof of address, Transunion refused to conduct the investigation. 
I received a response back from Transunion dated XX/XX/year> stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Consumer Loan

On XX/XX/2016 I took out a title loan on my car for XXXX . I was suppose to repay the loan by XX/XX/XXXX. I lost my job during that time and my apartment. I did n't get to pay the loan on time. I recently got a new job and contacted Loan max to start taking care of the loan but the minimum payment they need me from is basically the entire loan amount. Please help.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Checking or savings account

From my bill pay a check was accidentally sent to XXXX XXXX. I doubt I sent it to this payee because it is not directly above the list next to XXXX XXXX which where I am sure I sent it to. ( I say that because recently Wells Fargo sent a check to a company that was not even on my Bill pay. I sent a check to XXXX XXXX XXXX  XXXX and the check from bill was sent to XXXX XXXX XXXX  XXXX. I have not filed a complaint about this issue. I did not get my money back for a couple weeks. So bank kept the money. ) On XX/XX/XXXX I discovered that a check from my bill pay was sent to XXXX XXXX instead of XXXX XXXX. I immediately started a claim to get the money refunded to me. I also notified XXXX XXXX that a check from me had been sent in error. 

Today, XX/XX/XXXX I got an email from Wells Fargo saying that that finds from XXXX XXXX were returned to them. I then looked at my checking account and no funds were deposited. I called Wells Fargo and they told me it still takes 3-5 to processes. The bank sent check to wrong place and kept my money for several days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Fraudulent account appearing on my credit report. XXXX. XXXX XXXX XXXX This account was removed from my transunion account immediately please remove from XXXX and Equifix as well.
Product: Credit reporting or other personal consumer reports

I have recently obtained a credit report with may unauthorized inquires reporting that I did not authorize they were illegally done by someone who has gained access to my personal information. the following inquires reporting to XXXX are : 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
Product: Vehicle loan or lease

A Auto Loan Was Taken Out, Without My Consent An Permission An I want know how was this even possible an wouldnt the person have to be present to do so because its showing on my credit I owe {$20000.00} To Credit ACPT When I Never Took Out A AutoLoan An it Is Preventing Me To move Forward In life
Product: Bank account or service

PayPal Holdings Inc. has suspended my account without giving previous warning, nor have the given justification. They have tied up {$1800.00} in funds and are threatening to not release those funds for 180 days. There is no way to contact them over the phone in regards to this matter to get this sorted. I would also like to point out that, at this time, there is a large settlement made in a case exactly like this one. While I 'm sure the settlement places no fault on Paypal, the rationale behind paying out a large settlement is a pretty good indicator of the vague legality of this practice.
Product: Checking or savings account

Wells Fargo is not disclosing my pay information to   XXXX   in a timely manner.   XXXX   needs to receive notice that I was paid before it allows me to withdraw funds on a current pay period. Repeatedly, this has not happened until 4 or 5 days after I received my paycheck direct deposit.
Product: Student loan

My name is XXXX XXXX, and I have applied for Student Loan Forgiveness through Mohela. This issue with my case, is that XXXX is my loan servicer. My account number is XXXX In trying to understand and navigate this process, I have contacted both Mohela and XXXX and there still appears to be a lack of communication on how to process loan forgiveness applications for loans serviced by other companies. Mohela has conveyed that I do not have an account number so I can not provide it. 
I contacted Mohela today and they confirmed that they do have my application for loan forgiveness, however, they have not reached out to XXXX to have my loan sent to them to apply the loan forgiveness. 
When I have contacted XXXX in the past, they have indicated that they have not been contacted by Mohela to transfer the loan. 

While I appreciate all of the effort going into this program to make this happen, there must be something done to fix this disconnect between these institutions. 
Mohela has express that I may want to contact XXXX and ask them to forward my loan to them as the new service provider, but this really makes no sense because XXXX has no way of knowing whether I in fact have applied for loan forgiveness. 
Again I applied for this forgiveness XX/XX/. So you can understand my frustration. 
Please help me, the interest on my daughters loan is beginning to pick up and I really do need the assistance. 
I can be reached at ( XXXX ) XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Dear, XXXX XXXX XXXX I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. XXXX XXXX XXXX is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX XXXX XXXX  XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy  being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with TransUnion, XXXX and XXXX  on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record.

Attached you will find written communication with review to assist with a permanent deletion.
Product: Credit reporting or other personal consumer reports

This is the some complaint I opened previously. They have not fixed it. They responded that I need to provide info to access my account. Ive done that EXACTLY XXXX times. In XXXX XXXX XXXX, after experiencing some identity theft, I signed up for XXXX XXXX XXXX through Equifax. Through some sort of technical glitch, I was locked out of my online credit report. I opened numerous tickets with them from XX/XX/2018 until XX/XX/2018 to no avail. I have tried many times over the past 5 years to resolve it but they can not fix it or are unable to resolve it. I basically gave up until about 6 months ago when I was working to clean up my credit before I applied for a mortgage. I've had tremendous success with XXXX and XXXX, but my credit report is still locked with Equifax, to the point that it can't even be pulled for the 3 credit reporting agency report. It still has old addresses and fraudulent information and is hurting my credit. I have called Equifax 6 times, opened 6 tickets and each time they try the same thing over and over on the phone and then have to " escalate '' to their technical team and I'm supposed to hear back from them in XXXX days. That's where the issue dies. NOT ONCE has anyone emailed me that they are working on the issue. The latest ticket number is XXXX and no one has called me after 21 days. They don't seem to know what the issue is and it's like they have just given up. I've spoken to at least 12 Customer Service Agents that try the same things but they have no clue as to the problem. They can't even recreate an account for me or unlock it. I need to get into my account and I've been LOCKED OUT FOR 5 YEARS. I have way too many emails and notes on the issue, but they haven't responded to me via email in 5 years. I've included a screenshot of the original emails that went NOWHERE.
Product: Debt collection

Around the summer time of 2019 I started getting letters in the mail from Portfolio Recovery Associates LLC stating that I owe {$470.00}. The seller of the account was XXXX XXXX, the Merchant is XXXX, original creditor is XXXX XXXX XXXX. In short, it is XXXX XXXX saying that I owe this money which Portfolio Recovery Associates LLC took over the account. The address on these bills are from a city and state in which I have never lived in, so I know for a fact these bills do not belong to me. This false address that is not mine has also popped up on my background check as well. I have disputed this account with Portfolio Recovery Associates LLC and they keep sending me letters. The first couple of letters kept saying that they investigated and found out that the bill was mine, but they refuse to provide any proof that the bill is mine. I have disputed this 5 times and nothing has gotten done about it. I also contacted XXXX and they also confirmed I had no ties to that bill. I have a XXXX account, but not XXXX XXXX. Those are two different things. This is also on my credit report and has brought my credit report down. I need this removed from my credit report as soon as possible. Any help would be appreciated. Thanks and God bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : 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

An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by XXXX XXXX - XXXX Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : Barclays Bank Delaware. # XXXX {$500.00} XXXX XXXX XXXX # XXXX. {$380.00} XXXX XXXX  XXXX credit # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, XXXX XXXX
Product: Student loan

My original principal loan is {$6300.00}. The last statement I received showed that I have made over {$3200.00} in payments, which it show {$1000.00} payed towards interest and {$1100.00} towards the principal. In the same statement they show my current principal is {$5600.00}. I called Navient to try to understand and they said that my principal went up. This math does n't add up.
Product: Debt or credit management

Hi Im XXXX XXXX I had made a account at Lexington law that i open at the beginning of 2024, and they didnt provide the credit report that they promised so about 6 Months or the middle of the year I tried Contacting them again to try to reach out. but still didnt get Any response so next step I tried to unsubscribe but unfortunately it wouldnt let me and was even double charged at times i send messages to contact someone to let them but didnt get correct answers to my questions and did not understand why was my credit report was not be Provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2023 I started a dispute with this company to get an inquiry taken off of my credit report that I do not recognize and the inquiry does not have an active account on my credit profile neither! I do not recall making this inquiry! The company has been no compliant and the inquiry is still showing up on my credit profile.
Product: Checking or savings account

I have been using my Robinhood account for over 5 years I have received money in my account I used it to pay bill and the last remaining balance I used {$3000.00} to buy XXXX XXXX XXXX has close my account and do not wan na give me back my money I buy stock with this dont got nun to do with Robinhood they are unfair I need help getting my money I work hard for