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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

During the months of XXXX, XXXX, and now XXXX Guaranteed Rate has " lost '' my paid in full and on time mortgage payment. Despite several rounds of verifying and adjusting everything from the mailing address to the account number, I am still struggling with them with my most recent mortgage payment. I paid {$1400.00} to Guaranteed Rate on XXXX. They cashed that check, which cleared through my bank, on XX/XX/XXXX. As of today 's date this mortgage payment has not been credited to my account. I have been in contact with Guaranteed Rate 's customer service since XX/XX/XXXX and we still have had no clarity or resolution to the matter. I have sent all the documentation needed from my bank to Guaranteed Rate, to no avail. I have a trail of emails beginning in early XXXX with them, as well as several phone calls through XXXX and XXXX. Their response is they " are having trouble locating '' my payment, despite provided more than adequate documentation. My {$1400.00} payment has been " lost '' for six weeks now and I fear that Guaranteed Rate has acted irresponsibly and negligent with such a large sum of money. I would like this payment applied and my complaint addressed.
Product: Student loan

FedLoan is attempting to improperly capitalize interest on my loans, has made conflicting information requests (with which I complied), and misrepresented the status of my income-driven recertification process and whether the interest would be capitalized on my loans.  I submitted timely proper documentation for my income-driven repayment plan recertification. I submitted the documentation well before the date stated in the letter requesting it. In addition to my paycheck information, family size, recertification form, etc., the documentation included almost two months' worth of income (including XXXX XXXX) for my wife with a statement explaining she is paid on an irregular schedule when accepting delivery orders. She is a homemaker and watches our children, and only does the delivery orders from time to time. A month later, FedLoan requested additional documentation regarding my wife's income, including an average monthly income amount. I provided the requested information. On XXXX XXXX, as I hadn't heard any updates on the repayment plan processing, I called FedLoan and asked for an update.  FedLoan stated they were still processing. I asked whether FedLoan received my fax with the letter they requested and if they needed any more information. FedLoan confirmed they received my information and that I did not need to provide any more information. However, a few days later, on XXXX XXXX, I checked the online account, which showed an apparent interest capitalization dated XXXX. I called to demand the error be corrected. FedLoan then requested different information than they had previously requested. This time, FedLoan (confirming again they received the information I previously submitted) requested I include a certain phrase in a separate letter with only the income amount for my wife for XXXX XXXX. Again, I promptly provided the requested information (on XXXX XXXX). The FedLoan agent specifically represented that if I provided the requested information, the interest would NOT be capitalized on any of my loans.However, on XXXX XXXX, I received a letter from FedLoan showing the "Current Principal Balance" on each of my loans to include interest apparently from a purported capitalization.  On XXXX XXXX, I received a bill from FedLoan also showing false "Current Principal Balance" amounts for each of my loans.  The bill and letter show that FedLoan has still not corrected the interest capitalization error and resulting errors.  The balances shown for all of my loans (including principal and interest) are thus inaccurate.  This is a significant error which has caused damages. FedLoan's conduct constitutes unfair, deceptive, and abusive practices, among other violations.  I respectfully request that FedLoan immediately correct the interest capitalization error and all related resulting errors. Thank you.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft in beginning XX/XX/2022. I locked all three credit bureau accounts. Equifax will not grant me access to my free online account. I have called multiple times and sent them documentation that they requested ( twice ). Customer Service says they have the documentation in my account. They repeatedly say they are going to " escalate '' the issue and I will receive an email to reset my password. Every time I attempt to reset the password and gain access to my account I get a message to call Customer Service. I have spent countless hours on the phone with customer service with no resolve.
Product: Credit card

I purchased XXXX NetSpend cards as gifts. When doing so, these cards are contained in hard plastic and there is NOTHING on the outside that would alert you to the facts that they want you personal private information ( to include your date of birth and social security number ) to activate the cards. In addition, they charge monthly fees... .fees that are not disclosed on the package during a purchase. This is flat wrong and very deceptive! I am embarrassed that I was not aware of their practices and the {$50.00} gift card is now worth {$38.00} ... .that is before they use it as their is a fee due that too. XXXX! If they can not make it very obvious to a consumer prior to purchasing XXXX of these worthless cards, then they should be taken out of all stores. I am highly upset and I will pursue this to the full extent. Deception is against the law and this is a definite XXXX issue. When calling them, you reach someone outside of the USA who requests your personal information per ( direct quote ) the US patriot act. That in itself is a joke when speaking to a non US citizen. No wonder people are scammed on a daily basis! Please look into this matter and stop this deceipt.
Product: Credit card

XXXX is claiming on my Chapter XXXX Bankruptcy for a credit card that stated was charged off on XXXX/XXXX/XXXX and showing the last payment/transaction date of XXXX/XXXX/XXXX. I have not made any payments since at the latest XX/XX/XXXX ( probably XX/XX/XXXX ), so this account 's statue of limitations has ran out and should NOT be included in claims for payment in my Chapter XXXX. This was included in a group of " dead '' debts what were purchased from XXXX XXXX XXXX. I have disputed this debt several times and it had been removed from my credit bureau years ago, and now they have filed for Proof of Claim. I have not received ANY letters from this company in years.
Product: Debt collection

I received a phone call from " Critical Resolution Mediation '' stating they I owed money. They wouldn't say how much or to whom. They then recited my correct SS # to me and said " we'll get this money sooner or later '' I told them not to contact me again. I'm terrified that my identity will be stolen. The number they called from is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX Experian ; Complaint # XXXX XXXX ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section
Product: Credit reporting or other personal consumer reports

Please make note to 20 USC 1232g ( b ) - According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : ''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. '' '' XXXX, TRANSUNION, and XXXX '' are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared whereby this is backed by 15 USC 6801 which states : '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, TRANSUNION, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states : " 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. '' 15 U.S. Code 1681e states : '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TRANSUNION, and XXXX are not maintaining reasonable procedures. 

In addition, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$2900.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$3200.00}, XXXX XXXX Bankruptcy XXXX XX/XX/XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. State I have the right to privacy.

15 u.s.c 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my addresses. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Debt collection

I have no knowledge of this inquiry from Capitol one I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such inquiry, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Southwest Credit Systems L.P. on multiple occasions to let them know of a fraudulent account under my name and social security number. I asked them to furnish me with an detailed list of billing, showing what items I was supposed to be charged for and I was never recieved any information from them after 2 calls about this. I have NEVER have used this account and these charges are fraudulent!!! The company removed all charges from my credit history previously and after I resolved this charge it appeared again after months of being in dispute with this fraudulent company. I want this item removed from my credit report once and for all and I want a letter to be furnished showing that this is a mistake because this is hindering my able to obtain credit at places and last resort is to pursue legal action to have these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 


Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

RE : Last 4 of SSN XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX under account # XXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. Because the automated response that is attached is unacceptable. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 






Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX method of verification
Product: Debt collection

I received XXXX emails today from XXXX LVNV Funding regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXXXXXX XXXX. 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.
Product: Vehicle loan or lease

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX CO, When looking at the contract the pay off was not applied to the loan company XXXX XXXX XXXX XXXX in the amount {$28000.00}. When I called about they claimed the check was sent XX/XX/2020 but the original loan does not have a record. When contacted XXXX XXXX they could not provide a check number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on all incorrect information on my credit report with Equifax. this has effected my deeply. I need all information reviewed correctly to determine all info needed to be deleted. this has hindered all 3 credit bureaus delete all listed items on the file to help clear my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Re : Identity Theft Report Account Fraud Notification Dear EXPERIAN, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX  Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX  XXXX ACCOUNT NUMBER : XXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX CREDIT ACOUNT NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : 1. Close or freeze the account to prevent further unauthorized activity.

2. Remove any negative information related to this account from my credit report.

3. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission ( FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below. 
Details for FTC Identity Theft Report : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting that ive never received. 

Student loans are forgiven credit reports doesnt reflect that. 

Multiple accounts paid off doesnt reflect on credit report. 
Erroneous credit pulls XXXX XXXX XXXX XXXX is paid off still reporting a balance