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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My student loans were with XXXX for many years. This year I applied for PSLF forgiveness and was granted it. XXXX Transferred my loans to XXXX as part of this process in XXXX XXXX XXXX. My credit reports, after forgiveness, still show a balance on the XXXX loans of more than XXXX. XXXX is reporting, correctly, that these loans have a XXXX balance. I have disputed this through the three bureaus. On the very first dispute, the wrong information was removed by XXXX, but both Equifax and XXXX state that the information is verified as correct by the Dept of EdXXXX XXXX I disputed two more times with documentation, and continue to get the same response with no change to my reported balance. I have sent faxed copies of all of this, as outlined on their web site, to XXXX. After over a month I sent it to them again. Weeks later I uploaded it directly on their site ( as instructed on their site ). As of today I have received no correspondence from XXXX. The documentation I provided was the disputes themselves, Letters from both XXXX and XXXX saying that the transfer and subsequent loan forgiveness happened, and screenshots from the studentaid.gov website showing a XXXX balance. I also sent them a copy of my XXXX  text file. It is beyond frustrating that they keep " Verifying '' wrong information, and worse that I can not get a response from them. I also filled out a feedback complaint on studentaid.gov, and have not gotten a response to it either, after more than 2 weeks. Can I sue XXXX or the department of Education under FCPA? Maybe others are having this issue and we can launch a class-action lawsuit? Please help me resolve this matter as soon as possible, as it is a huge hit to the ratios on my credit, which negatively affects both my score and my purchasing power.
Product: Mortgage

Wells Fargo furnished inaccurate and damaging information to multiple credit bureaus. Their action has caused our family to be denied credit in a recent attempt to secure an auto loan. Wells Fargo stated we were late on a mortgage payment when the loan was paid off in full. They were fully aware that we were refinancing and provided a payoff letter including final balance and payoff date, then turned around and sent derogatory information out about us. We always paid the mortgage on time and in many cases paid in additional amounts. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 unauthorized inquiries in my transunion report on XX/XX/2021 from XXXX XXXX. Please delete as I did not authorize or consent.
Product: Credit reporting or other personal consumer reports

I am writing to contest the inclusion of this bankruptcy on my credit report. It's alarming because I possess a court letter clearly stating it should not be reported to you. Additionally, the involvement of an unauthorized third party adds to the ridiculousness of this situation.
Product: Debt collection

cosign for daughters car, she didn't pay car was totaled she kept funds, Lustig Glaser & wilson of XXXX was was receiving payment XXXX a week from my bank acct no switch it over to XXXX XXXX XXXX att for plaintiff XXXX XXXX XXXX XXXX XXXX never received any notice to go to court and its for amount of XXXX which half was already pain to other dept collector and now its in XXXX court any never heard of court date just sent constable to my home with papers for judgement and levy on my home. civil action file number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store card with XXXX XXXX XXXX XXXX I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for XXXX XXXX that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to XXXX XXXX.
Product: Vehicle loan or lease

Recently I was made aware of an online private auto sales website XXXX. Its for private sellers to complete the transaction with private buyers securely with Carmel handling all the paperwork. I was selling my XXXX XXXXXXXX XXXX and had a buyer. We spent two days going through the process with Carmel dealer services. I completed all verifications have the emails to prove the verified it and I signed all the sales documents essentially giving this company my car and blindly trust them. It came time for the buyer to sign Papers and complete verification which would have been the last step. Or so we thought. After an hour of trying to get their identity verification program to work he was able to complete ID verification and last step sign the papers. Out of nowhere they canceled the transaction. No explanation. I was able to get an email response where they said they were unable to verify the transaction when I have proof they did. Ive had to call the police, the current lender and the DMV to make sure they didnt take ownership of my car because it was fraud. I signed all the agreements trusting them and they canceled at the last minute with a power of attorney and sales documents signed.
Product: Student loan

Federal loans were transferred from XXXX XXXX to Mohela in XX/XX/XXXX. The loans were under COVID-19 forbearance but continued to list monthly payment at approximately {$640.00} under both the REPAYE and SAVE plans ( once automatically transferred ). On Sunday, XX/XX/XXXX, the website updated to show a new monthly payment of {$1600.00}. Income has not been recertified, as it is not required under the current federal loan guidelines until at earliest XX/XX/XXXX, see https : XXXX. It is unclear what precipitated this increased payment. When called XXXX XXXX XXXX, we were told we needed to reach out to the servicer, Mohela. Then called Mohela who said we would need to recertify income on a different plan in order to get a lower payment. This, however, would put the borrower at a disadvantage and circumvents the guidance on the studentaid.gov website, which allows for individuals to not recertify until at the earliest, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX to dispute a hard inquiry on my credit file. I was informed by rep that they do n't delete inquiries without something from creditor listed authorization and I needed to contact creditor. I contacted 1st National Bank of Omaha on XXXX/XXXX/XXXX. Spoke with XXXX who explained that I could n't call and request anything to send to XXXX regarding this matter. He stated XXXX would have to contact them and request or demand positive proof from creditor rather I have an account or inquired about XXXX. And that there is nothing they have to acknowledge that there is such an account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion constantly deletes my accounts on my credit profile. Attached is a copy of a Transunion report dated XXXX showing all my accounts. Two days ago I applied for a credit card and was denied because Transunion had deleted all my accounts showing no credit accounts and I was denied a credit card. This is a problem with Transunion keep deleting my accounts from my credit profile. This is causing unnecessary pain and anguish. I want his to stop and never happen again.
Product: Credit card

I received a text and XXXX emails from Chime. I saw the text first and labeled it spam, deleting it. The first email ( from Chime at XXXX ) said that Im one step away from XXXX XXXX! and that my XXXX XXXX application is almost complete! asking for me to set up a direct deposit of {$200.00} - then a new card would be mailed. The second email ( from XXXX, Chime XXXX at XXXX ) an hour later said Welcome to Chime! Meet your new Chime account. I never knew Chime existed before these messages. I have not applied for anything with Chime. My credit report is locked, I pay for credit monitoring through XXXX and no new account is showing YET. There is no reply email or email for Chime that I can find on their website yet to contact them directly, but clearly someone has used my phone number, email and name to open an account. What do I do next?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a debt collection notice for their client PayPal. I do not have a PayPal account, never did, and never buy anything that would offer an option of PayPal. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from PayPal. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling PayPal, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX XXXX debt collection company I saw similar complaints about this debt collector and PayPal. The address of XXXX is XXXX XXXX XXXX, XXXX, TX XXXX. PayPal was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX ACCNT # 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 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

The credit card company pricelinereward visa card issued a check in error on XXXX XXXX, XXXX for {$4800.00}, despite the account was closed on XXXX XXXX, XXXX. I called the company regarding the check and I was told this was a reward check and that I can deposit in into my account. They did n't give any other explanation of why I was receiving the check besides that it was my money so I deposited the check. On XXXX XXXX XXXX, I recieved a letter stating that the check was issued in error to my account and that I owe them {$4900.00} including interest of {$140.00}. So they are asking me to pay {$140.00} in interest. They waited 8 months from XXXX XXXX, XXXX, when they posted the check in my account, to inform me that they credited my account in error. I have already paid their {$4800.00} back and they insist that I still owe them {$140.00} for interest. To me this seems fradulent since they said it was my money and that I could deposit the check and they also waited 8 months to send me a letter stating it was an error on their part. I never recieved any statements prior to the one I recieved in XXXX XXXX stating that there was an outstanding balance in my closed account. Now they are insisting I pay interest on a {$4800.00} check and I refuse to pay the interest. Please help resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN XXXX 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! 


Update the late payments from my consumer reports
Product: Debt or credit management

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against Sunrise Credit Services , IncXXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am experiencing significant issues with this company, specifically concerning their debt collection practices. I have been subjected to continuous and harassing phone calls, including instances where customer service representatives have abruptly terminated the calls when I have attempted to obtain basic information about the alleged debt. 

Specifically, I have repeatedly requested the following information : The origin and validation of the alleged debt. 
Detailed documentation and supporting information regarding the account. 

Despite these requests, Sunrise Credit Services , Inc. has failed to provide satisfactory responses. Instead, they continue to engage in daily phone calls and text messages, creating a hostile and stressful environment. 

I have received phone calls and/or text messages from Sunrise Credit Services XXXX Inc. on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And every day since then. 

Furthermore, I have serious concerns regarding the legitimacy of this debt. The companys refusal to provide basic information, coupled with their aggressive collection tactics, leads me to believe this may be a fraudulent operation. Importantly, this alleged debt has been reported to my credit report, resulting in a negative impact on my credit score. 

I am submitting this complaint with text message records, and any other relevant documentation, through the CFPB 's online complaint portal. 

I respectfully request that the CFPB investigate these practices by Sunrise Credit Services , Inc. and take appropriate action to protect consumers from such abusive and potentially illegal debt collection tactics. 

Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

PNC posted directions it was working to resolve issues. But was not. It then suggested I contacted branch officers when appointments were made via a portal that expressly said Based on our review, we believe there are discrepancies that we want to work with you to remedy. 
they never worked at all, instead asked for reports it took hours to produce then failed to reply to them.