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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

on or before XXXX spoke to XXXX at the First Federal Credit Collection who advised me of the balance owed to the XXXX XXXX XXXX XXXXXXXX in the amount of {$720.00}, I advised XXXX to send me an itemized statement of this amount owed. I received an email that the {$720.00} was owed, not the itemized breakdown as originally requested. I then proceeded to pay {$200.00} to FFCC, and then another {$100.00}. So, the balance owed is {$420.00} - and the collection agency reported to credit agencies on XXXX before speaking with me that this is a derogatory account, stating collections in the amount of {$520.00}. According to Consumer Finance, the three reporting agencies were to remove medical collection agencies from credit reports. But, when collection agencies don't disclose its intended purpose or don't state it is a medical debt, consumer reporting companies tend to believe the reporting agencies, which makes it very difficult to remove this type of debt, which is factually stated as " medical '', not revolving creditor or installment credit such as a credit card agency/finance company, etc. But, again is a medical debt and should not be reported on my credit report.
Product: Debt collection

A letter was sent to validate debt onXX/XX/21,XX/XX/2021, andXX/XX/2021. As of today nothing has been communicated with me. This is a collections account with XXXX XXXX appearing as open with a past due amount of {$0.00}. 

I am not understanding how this account can still be open with a {$0.00} balance. Furthermore, nothing was sent to me that would validate this account.
Product: Vehicle loan or lease

Wells Fargo called excessively from XXXX to XXXX XXXX to XXXX, 3 different numbers up to 15x a day, disrupting my workflow. 

In XXXX, I was told that because I am on Pandemic unemployment and because my small business suffered that they would repossess my car and I should take all my landscape tools out of car. 

Then the Executive office would say don't worry, we don't want to repossess your car. Talk to XXXX XXXX XXXX, this would go on for months in between threats my car would be taken away because I am a small business owner and XXXX worker on pandemic unemployment. 

This was after I made 2 payments in XXXX which they said they these were to catch up and the executive office was working on my case. 

Letters I were sent please contact we will work with you. No one worked with me, I was threatened daily while being XXXX. Day my car was repossessed an individual from towing company reamed me out for taking a 20 min break to study for 2 tests I had to take for XXXX XXXX XXXX XXXX and XXXX XXXX - so I help with the XXXX  of residents in NC as well as studying for the XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. 

Which I was up for 72 hours working and studying as well as sorting through all the bills Wells Fargo resent me. 

As a XXXX  and XXXX survivor as well as XXXX worker, small business owner whom is XXXX XXXX XXXX with XXXX, totally disgusted with Wells Fargo and who they partner to business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collection - XXXX & XXXX & XXXX - are reporting on my credit file in error. I would like to see proof or signed verification. I have disputed them a couple times now with no response back.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I would like removed ( 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

Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the Equifax data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.
Product: Student loan

I sent out a letter asking for this company to verify that this was my loan by verifying my signature and they have not done so. This is not my loan nor my account, but yet they claim it is. I have asked twice now that they prove that it is, and they still have not. Instead they sent out a first letter or had another creditor send out a letter stating that they bought the loan then they sent out two letters to me stating that it was my loan. I need help getting them off my credit report.
Product: Student loan

I have XXXX plus student loans. All of them are on a IDR plan except one. That one should also be on the IDR. Ive been trying to contact Nelnet to understand why the one is not, I can not get through to them. Their wait times are nearly 2 hours long. So my issue is 2 fold 1. I cant get in touch 2. The one loan should be on IDR and needs to be fixed.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I had two late payments on an account that i was never late for. the consumer report agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :
Product: Credit card or prepaid card

I have been using this credit card for over 15 years in good standing. Recently my daughter ( who is an authorized card holder ) was travelling and when she tried to use her card it was declined. She was stranded away from home without the ability to use her card for necessary purchases. When I contacted the company they only said that it was closed for " security reasons '' and would not be able to give me any more details. I have no idea if any fraud or other criminal activity was perpetrated on my account and I do not know if my ID has been compromised, since the company will not give me any further details. I also do not want any negative information to go to my credit report without my ability to even defend myself.
Product: Credit card

I applied for and received an American Express Delta XXXX card on XX/XX/2023. The card has a {$550.00} membership fee. When I enrolled and agreed to the fee, the primary benefit was purchases made on the card would trigger " XXXX XXXX '' and XXXX Waiver benefits. 

Delta and American Express subsequently changed the program so " XXXX XXXX  '' and XXXX  Waiver benefits were no longer offered after XX/XX/2023. See XXXX XXXX XXXX American Express stated that their user agreement allows them to change the terms and conditions at any time. 

I believe these changes are not merely of the terms and conditions. They are a fundamental change in the product that negates the reason I enrolled and agreed to pay {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
XXXX XX/XX/2021XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX CA XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I received in the mail onXX/XX/XXXX, a mailing from the XXXX in XXXX, WI that I was a new member and had an XXXX account with them. I never tried to open an account with this bank. I never signed any forms or gave them any information about myself. I received a 2nd mailing from them aroundXX/XX/XXXX or XX/XX/XXXX that included a debit card for this account. I have my health insurance through the XXXX  corporation in Indiana that I am now retired from. I contacted the XXXX  corporation central office on XX/XX/XXXX, about this. There has been no change with our XXXX accounts. It is still with the same bank, XXXX XXXX XXXX XXXX, that it has been with for several years. My former employer did not make this change. I emailed the XXXX  about this issue and told them what had happened. I received a response the next day and was told to call the bank to straighten this out. The email said that my employer could have done this and also gave the name of three investment companies that could have done this. I have no investments with any of those companies.I called the XXXX customer service number on XX/XX/XXXX. I explained that I had never opened an account with them or attempted to do so, and I had not signed any forms. I asked how could this have happened. I was told it could have been that my employer had done this. I told them that I checked this out and that they hadn't done this. The lady I talked with on the phone said the only way she could try to help me was if I gave her the last four digits of my social security number. I refused to do that. I have not deposited any money into this account. I received a statement from them in early XX/XX/XXXXstating that there was an opening balance of {$0.00} and that there was a deposit of {$0.00} made before XX/XX/XXXX. I have not made any deposits into this account. 

The name of the person on the email is : XXXX XXXX XXXX The physical address of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WI XXXX The customer service number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

A closed account with XXXX is reporting with the balance of {$1000.00}. This account is outdated and shouldn't be reported it has been more than 7 years since the first delinquency.
Product: Debt collection

I am looking to purchase a new home so my credit was pulled on XX/XX/2021. Prior to this I never received any written notice from the collection agency. They popped up on my credit report on XX/XX/2021. The credit line amount is {$1500.00} and the amount they stating now is {$2100.00}. The debt is over 7 years old. I am looking forward to the agency to remove this from all credit bureaus asap. I reached out to make a settlement with the agency, because this is preventing from purchasing a home, but they was not welling to work with me. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXXXXXX XXXX on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to XXXX again to be told that Im not due until XX/XX/2021. Then I demanded that XXXX XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting XXXX XXXX  and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. XXXX XXXX  still refuses to remove the late payments off my credit report.
Product: Student loan

Navient is calling my work. I have explictly told them I am not allowed to have calls at work and to not call me here. They have also sent numerous faxes to my work with my personal information for everyone to see, my full name, social, and birthday, and requesting my employment information without permission or subpoena.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. Experian and XXXX XXXX XXXX  XXXX XXXX and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report 100 accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.
Product: Mortgage

I have repeatedly tried to get ANYONE to see what this Company did along with XXXX XXXX XXXX and XXXX. If I get nowhere with my complaints I have no alternative but to have the XXXXXXXX XXXX XXXX file litigation in Federal Court. XXXX did not honor XXXX modification offered to me in XXXX of 2016. I was unaware that they were obligated to at the time. When I inquired about the modification XXXX had me complete another application. I sent a completed application to XXXX they claimed they were missing one document. The letter to me is dated XX/XX/2016. I sent the other document again and waited for yet another modification. Instead, I received a notice that they had received Judgement on XX/XX/2016. When I inquired why none of the modifications were honored they stated it was too late judgment was entered. This was pure discrimination between recorded remarks from employees ( stating I should have just paid the mortgage then I wouldn't have to worry about a modification ) and the way I was treaed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam I am writing to dispute the following information in my credit file. 
The car loan with Regional Acceptance Corporation was pay off by my insurance in 2018 due to my car being declared a total loss. I call Regional Acceptance Corporation last week to ask why we have late payments on the account. The representative told me that I needed to make payments even if the car was declared a total loss. I am asking you to please reconsider to take these late payments off the account. We had the car for almost two years, and we never had a late payment. The account now is pay off and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to ditech and spoke to them on the phone, I have send them divorce papers and informed them that I no longer live in the house. XXXX XXXX lived there and he got the house in the divorce. Im not paying on a house I couldn't live in. the account # was XXXX. I had no idea that he wasn't making payment on the property. I was not informed. ditech claims that my name was still on the account but wouldn't give me information on the account or discuss it with me because XXXX XXXX was living in the house. I should not be held at fault because of what he did. I couldn't live in the home nor was I giving any information about the house. They will have to look at XXXX XXXX for what is owed. I'm no longer have any contact with him and the house has been sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX of 2022, it's not possible. 

3. I have included proof of Social Security paperwork in attachment.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I lost my wallet and the wallet contained cards, ssn, ID etc
Product: Student loan

I called multiple times to get my un-official transcript today XX/XX/2023 the last day I finally got through to the correct department and they told me I owe XXXX dollars in tution and will not release my unofficial transcripts .. however I was told that is not true so they are giving me a hard time and idk what to do
Product: Checking or savings account

We made a deposit to the bank atm and the atm took the funds and didnt deposit the funds on the accounts. A receipt was printed stating that we have to contact our bank to make sure the deposit was made. We called the bank and filed a claim which was denied by the bank. We have proof of deposit and the camera could be checked.
Product: Payday loan, title loan, or personal loan

XXXX, XXXX, XX/XX/2017 I had late payments due to financial hardships which is why I got the loan in the first which I'm now on top of and working to pay off my title loan. XXXX reported late payments on my credit history reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX