23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I've sent a letter to the 3 credit bureaus Equifax, XXXX, and XXXX explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. XXXX has not sent me anything back in the mail, concerning my letter. I have also requested the XXXX credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so. 

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
# XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to produce any legal evidence or verification for the alleged debts, and it is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XX/XX/2022
Product: Debt collection

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states, I have the right to privacy. 15 USC 1681, Section 604 a, Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

hi on XXXX I got a loan from them for XXXX dollars but they sent me 2 checks each for XXXX dollars so i put them both in my account in XXXX they took the whole XXXX  back but i am still paying on the loan please help me i sent all the paper work they ask for every time i call they tell me something different
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.
Product: Credit reporting or other personal consumer reports

I have disputed the unverified accounts since 2022 with no documents on what they verified and with who etc. I am getting false responses stating they have verified when they have not because if they had they would not change up the information often. Want accounts deleted immediately as this is causing emotional and financial distress. CFPB have not done anything also as i have disputed here multiple times with no errors deleted. Last attempt before seeking litigation all " unverified '' accounts are listed and all documents have been sent. DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 3 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Fraudulent charges No Wells Fargo bank near me, main reason I closed account and transferred all my funds to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX credit card was fraudulently opened with my name and address but not with my accurate phone number. My credit score did not meet the requirements to open a card but when I disputed the account and agreed to payment options to remove the charged off account from my credit report. XXXX credit card informed me that there is nothing I can do to remove the the charge off account although the account is not mine and is a result of fraud.
Product: Credit reporting or other personal consumer reports

On Tuesday, XX/XX/ I applied for a mortgage with a company. The company got my credit profile without any problems. There is supposed to be a security freeze on my credit report which was not the case for me. I did the application to see if the company can pull my credit report on file and sure enough they did. LEXIS NEXIS DID NOT PUT A SECURITY FREEZE ON MY CREDIT REPORT AND THAT CAUSED ME DAMAGES TO MY CREDIT FILE AND SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXXand mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then ....

next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is collection resources my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not XXXX   right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to withdraw money from Coinbase. The amount was about {$1000.00} USD, located in my USD wallet. I wanted to deposit the money into my bank account. 

I initiated the transaction- a deposit of {$1000.00} into my bank account, only to learn the next day that that transaction is referred to as a withdraw not a deposit. I learned this the next day when I tried to use my debit card linked to the bank account. My card was denied because of insufficient funds. 

I contacted my bank, who identified the problem and stopped the deposit. I then tried to fix my account by initiating a withdraw ( since I needed to withdraw money and put into my bank ... not deposit money from my bank ). 

Still having problems withdrawing my money, I called coinbase and was informed that my bank was the problem. They said my bank had blocked my account on Coinbase from all transactions. I was informed that I needed to talk to the bank to fix the problem. Which I did, both on the phone and in person. 

Coinbase still will not allow me to access my money and withdraw it from their company. 

It is now XX/XX/XXXX. I have called many many times since then. It is a scam, every time I call the person tells me that they can't help me, only a specialist can. I am informed that my case is being marked as urgent and high priority. I am told I will be contacted in 4-5 days by a specialist and I receive an email to confirm this. " 4-5 days ... but it could take longer ''. 

I never receive a call. I call back and ask people to read my notes in my file. This has gone on for months. I will ask the person on the phone if they have ever talked to a specialist themselves. No. How many specialists does Coinbase have? They have no idea. No one I talk to can give me any information. They just inform me that they are marking my case as highest priority. 

I have emailed too. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have communicated that this is unacceptable from a company. I have discussed legal action. I have threatened to contact the CFPB, and here I am. 

I am at the point of pitting together a law suit.
Product: Mortgage

I requesting my previously provided and signed application with my tax information, bank statements, XXXX XXXX form, P/L statement, and the confirmation that it is in process. Unfortunately this exercise has been ongoing for over 4 months, and during this process interest is accruing. I want all information from my investor, XXXX XXXX, Underwriting, and anyone who might be holding up my loan modification approval. 
May I request escrow information dating back to the time that the current servicing company acquired the loan.
Product: Checking or savings account

On XX/XX/2023 I received a text from Wells Fargo, your debit card was declined for insufficient found, when I checked my account was XXXX when I had XXXX. Immediately called to the bank the person said effectively your card was denied for a transaction on line for XXXX and for (???? ) for XXXX, I said, I did not recognize those transactions neither the XXXX using XXXX XXXX, the fraud dep. said they received documents from XXXX that I authorized that transaction, ( letter from the bank ) the bank gave XXXX credit to my account now they send another letter that they are going to colecte the XXXXfrom my account. I do not know what to do, they made the decision, I have called them many times but they dont listen, In the last XXXX months I have change my debit card like XXXX or XXXX times for the same reason, almost never have money on my account because this happened, last week some body tried to pay XXXX in on line store, once again the card was declined, please need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX  AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit card or prepaid card

I have never been late or missed a payment on this XXXX XXXX credit card ending XXXX. This company has repeatedly turned card off or suspended it for their system errors. Spoke with Upgrade Supervisor and they apologized and stated that Upgrade back office removed payments and then re allocated them due to XXXX adjustment. Their computer system showed me as missing payment because of this yet, I have never missed a payment! Their faulty illegal system also wouldnt let me pay extra towards card ( proof attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 XXXX  Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which 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. '' XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and  Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' XXXX XXXX XXXX XXXX  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 1681s2 ( 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 and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

My student loan processor, Nelnet, has provided me with incomplete and confusing information, in my opinion to intentionally mislead me into consolidating my loans even though this then disqualified me from Public Service Loan Forgiveness. 

I have been pay my loans since XXXX and have been enrolled in plans intentional so that I would qualify for public service loan forgiveness. 

As recently as yesterday I was again told by, this time XXXX XXXX,  that I do not have any direct loans and need to consolidate my loans again. As I started this process I was then informed by Nelnet that I do have direct loans and I would have qualified but that Nelnet consolidated my loans in XXXX and that restarted the clock on my PSLF. In XXXX I was enrolled in PSLF and also a payment plan that qualified and have always worked in public service for a qualified employer. So I asked the Nelnet worker why would anyone consolidate their loans if they are working towards PSLF. The worker reported there is no reason to have consolidated, that is does not reduce your payments and there is literally no benefit to doing this. He said many many people do consolidate and he does not know why anyone would. 

Why if there is no benefit to consolidating federal student loans other that setting back the clock on the PSLF, which is only a benefit to the loan processor are these companies allowed to mislead their consumers into consolidation. 

Again I was told I had to consolidate to qualify for PSLF, this was not true and instead it set back the clock for PSLF by 8 years. 

I believe these loan servicers are intentionally misleading consumers into these consolidations. The numbers of people that have consolidated even though, by their own admission there is literally no benefit to this is proof of this. 

Please look at the number of people that have been mislead into consolidating their student loans by predatory practices as this causes a huge amount of debt to many students, public servants and probably is responsible for great increases in the national student debt.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - SYNCB/PPC XXXX XXXX Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account SYNCB/PPC XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account SYNCB/PPC XXXX XXXX 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account SYNCB/PPC XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account SYNCB/PPC XXXX XXXX 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted to the CFPB Portal for expedited review. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Product: Mortgage

I have a home equity loan coming due, and now finding out I have a second home equity loan coming due, that is a business loan. Can you have two home equity loans.