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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that XXXX XXXX XXXX XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NY, XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told Experian, XXXX, and XXXX to investigate these accounts : 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 ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years.

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent inquiries and accounts that appear on my credit report due to identity theft. Enclosed with this letter is a copy of my FTC Identity Theft Report Reference Number : XXXX in which provides further evidence of the identity theft. 

The following accounts and inquiries on my credit report are not authorized by me and are fraudulent : Fraudulent Accounts : 1. ) XXXX XXXX XX/XX/XXXX Unauthorized Inquiries : 1. ) XXXX XXXX XXXXXX/XX/XXXX 2. ) XXXX XXXX XXXXXX/XX/XXXX 3. ) XXXX XXXXXX/XX/XXXX As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts and inquiries from my credit report. Under the FCRA, I am entitled to have any information that is inaccurate, incomplete, or that I do not recognize as being the result of identity theft removed from my credit report. 

Additionally, I request that you provide a corrected copy of my credit report once these items have been removed, as well as notify any parties who have received my incorrect credit report within the last six months.

Please confirm receipt of this dispute and proceed with the removal of these items from my credit report as soon as possible. I appreciate your prompt attention to this matter. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

By nature of the inquiry ( s ) listed on my profile, the inquiring company is stating ( under FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) ) that I initiated a transaction with them. I, the consumer, am stating that I did not initiate a transaction with the company named. So which of us is right? I would suggest that I would know best whether I initiated a transaction with the company named. Additionally I would like to bring your attention to the Consumer Finance Protection Bureau ( CFPB ) XX/XX/XXXX Advisory Opinion 12 CFR Part 1022. The advisory opinion stated that " A consumer reporting agency 's policies and procedures should also identify logical inconsistencies in consumer information ''. I would submit that if I did in fact initiate a transaction with this company, then where is the resulting tradeline on my credit file? Since there is no resulting tradeline, it supports my position that I DID NOT initiate a transaction with them. With this logic, I am petitioning that you discard the inquiry as it is FACIALLY FALSE DATA which you have a obligation to fix. 

This is my third attempt to remedy this situation. The following inquiries should be removed immediately. I have been asking for this to be corrected since my first letter on XX/XX/XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please also remove the OLD addresses on my file. My current address, which I have sent MANY times to you and proof that I live there is not working apparently. My address is only XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Please remove the addresses in XXXX, XXXX. Mail is not deliverable there.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Payday loan, title loan, or personal loan

This company is not following XXXX rules about how delinquent an account is before charging off a loan. They continue to misreporte a loan I have with them as not actually being a delinquent as it is to avoid taking the loan off their books and therefore running up the interest I owe them. I would like to work something out with them also but they refuse to put any correspondence in writing.
Product: Mortgage

The Customer Service just says " TOUGH '' it is an " INTEREST FIRST '' LOAN. All normal loans and mortgages are Interest FIRST. That is STANDARD... and I pay EXTRA ON ALL OF THEM.

I want to pay the Principle down so I am not STUCK with YEARS AND YEARS of Interest payments, I even asked HOW MUCH the interest total on the loan ( truth in lending law ) and they won't put an amount on it. They just say " we can't know until you are paying it out. So the 1.99 % interest is a scam. They refuse to allow me to make extra payments over and above the AGREED AMOUNT and no matter what I pay a month ... it goes to INTEREST and a pittance goes to the principle. In XXXX XXXX and having owned a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... I have never seen a loan like this ... it is loan sharking. 

Several Attorneys General in several States already are SUING THEM. They are Loan Sharking.
Product: Vehicle loan or lease

I took out an auto loan from Santander Consumer USA in XXXX, which had extremely high interest rates and predatory terms. Despite attempts to refinance, Santander provided no assistance. I was forced to surrender the vehicle, and now face a judgment against me in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , ruled in favor of the plaintiff on XX/XX/XXXX, for the remaining loan balance. 

I believe Santander engaged in unfair lending practices, and although they were part of a XXXX XXXX XXXX  for similar issues, I was not included. I request CFPB 's assistance in investigating their predatory practices in my case.
Product: Debt collection

I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. 
This is allegedly a My Place Rewards ( Childrens Place ) account
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX  - CARD SERVICE XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED USE OF CREDIT REPORT!!!
Product: Payday loan

I had a balance of {$100.00} and I refinanced my loan. I noticed on the receipt it was showing a negative balance of XXXX. I called thwn and asked why it was showing a negative balance and the rep said it was a glitch in their computer system. When I refinanced they gave me the new loan minus the existing balance of {$100.00}. I paid my loan off in full on XX/XX/2016. I recieved comformation my loan was paid off and then on XX/XX/2016 they said I owed XXXX due to a " returned payment '' on XX/XX/<YYYY> That was the day I refinanced, so the returned payment was From the glitch of the XXXX that was showing on their system. I spoke to my bank and they said there was never a returned payment and this company was definitely paid. In addition, my bank provided me with trace numbers for all previous transactions. I have called this company everyday since XX/XX/2016 and today in XX/XX/2016 it is still showing I owe this money with additional interest, of course. When I talk to the supervisor just gives a carefully scripted response that it is " under review '' despite the fact that I have provided them with all pertinent information. Im at a loss of what else to do bc it is impacting my credit because it is showing I have an outstanding balance of over {$1000.00}
Product: Checking or savings account

On XX/XX/2022 two transaction were made thru my XXXX account with the stolen amounts as follows to someone by the name of XXXX, it was from the same bank. 

1. {$490.00} 2. {$1000.00} I contacted my bank on the same date XX/XX/2022 to find out what happened and who authorized this transaction and to file a fraud claim. 

On XX/XX/2022 we received an update on the claim, we were informed that their research was completed with the response. 
We found that the transaction was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time.
Product: Credit card or prepaid card

Please review summary of facts letter Exhibit A and also please review American Express online chat messages from XX/XX/XXXX through XXXX XXXX today. After reviewing American Express billing rights statements Exhibit B closing date XX/XX/XXXX it is obvious clear that American Express customer care services and the online chat messages are in violation of that same your billing right statements. Stating while we investigate whether or not there has been an error, we can not collect the amount in question which in this case is the total balance of {$24000.00}. They aggressively tried and continuously to ask for the minimum payment to be paid which is {$2800.00} this is also included in the dispute question and is being investigated. They even try to offer me a payment plan on the disputed balance, as you can review in the online chat. Not once did American Express ask me my concerns about the disputed balance only talk about how Im going to pay or make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks for your help in getting this resolved. My credit report is 100 % unblemished aside from this dispute. XXXX has elected to destroy my credit rating over a {$150.00} loan payment from XXXX, XXXX that should have been in forbearance since XXXX XXXX. 

I have repeatedly and sincerely asked XXXX to please update the payment status of my loans from XXXX, XXXX in their records, and to the credit reporting agencies, as on-time or some other non-negative status. They have repeatedly sent me conflicting reasons, denials, and excuses for not updating my payment statuses, of which I have documentation. 

My student loan payments with XXXX were supposed to be on an income driven payment plan as I re-certified this plan in XXXX XXXX, I have ample documentation of my efforts to re-certify from the time. I mailed in all the necessary documents just like I did in XXXX and XXXX never processed my paperwork. The payment amount was supposed to be XXXX. I mailed in documents after submitting my application. Instead of processing my forbearance plan, they began billing me without my knowledge. I do not understand, and still have not been given a reason, why my paperwork was not handled in XXXX, even though I had no issues in XXXX. My sense is they lost my application and are now refusing to take responsibility while simultaneously accusing me of not paying my loans. I absolutely take responsibility for my loans and would never have knowingly paid them late and I 100 % dispute the characterization of my payments as late. 

XXXX reported me to credit agencies without properly informing me that I was being billed or that my repayment plan application was rejected. I paid the due payment the moment I knew about it and now I just want the record to show I was NOT paying late ; I didn't know I had a bill due and would never have waited to pay. 

I am sincerely asking you guys to please help force XXXX to update the payment status of my loans from XXXX, XXXX in their records, AND to the credit reporting agencies, as on-time or some other non-negative status. I paid the due amount the moment I learned about it and have made no other errors with these loans throughout the 6 year life of these loans. I'm am traumatized that I would be treated like this after all my good faith actions and patience in trying to get this resolved. 

Attached supporting documents are chronological receipts of actions from XXXX XXXX that I followed to a " t '' to complete my re-certification plan. I did everything necessary and was never sent any indication that my plan was not accepted. 

Please let me know anything you need to get this fixed. I appreciate you guys handling my request.
Product: Debt collection

I wrote a verification letter to IC Systems in XX/XX/2018 and did not receive a response from them at all. I filed a dispute with XXXX XXXX as the account is not mine. I explained to them that I wrote a verification letter to IC Systems with no response from IC Systems. On multiple occasions without sending proof of verification, they ( XXXX ) claimed the account is verified accurate.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX XXXX Employer - A FISRT NAME BASIS Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged FIRST PREMIE - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX {$7300.00} XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Student loan

I have applied for a refund of {$10000.00} from EdFinancial on XX/XX/22 and they have not processed the refund yet. They wont give me any dates on when it will be completed either. I just want my refund.
Product: Mortgage

Wells Fargo refused to modify the mortgage loan for us and also refused to take our mortgage payments causing us to go into default and loosing our home. We had a law firm that was helping us try to modify the loan and Wells Fargo refused and kept claiming they did not receive our application for modification. Wells Fargo sold our home and we were evicted.
Product: Debt collection

I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 
Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted your bureau multiple times regarding their removal. Despite my efforts and your assurance of investigation and resolution, these accounts remain on my credit report, severely impacting my creditworthiness. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide me with a written explanation of the actions taken to resolve this dispute within the legally required timeframe. Failure to comply with the FCRA 's requirements may result in legal action to protect my rights as a consumer. I trust that it won't come to that, and that you will promptly address this issue. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Equifax Credit Bureau Executive Office, I am writing to request the removal of the account with XXXXXXXX XXXX XXXX XXXX XXXX This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXX XXXX  and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Equifax has repeatedly violated the allowable time frame to resolve and correct these issues. Therefore, I am requesting the immediate removal of this invalid information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX is a copy of the information that needs to be removed from my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported payment information can be reviewed by clicking " FILE A DISPUTE '' to continue. 

**Payment Status** View your monthly payment status by year. Click " Historical Details '' to select a category and dispute specific information.

**Historical Details** Select a category to view and dispute specific historical payment information. 

**Lender or Creditor Contact Information*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX