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

I am filing a complaint against XXXX XXXX, as I believe they have engaged in fraudulent activities that have taken advantage of me. I have submitted written requests to address this matter, but they have ignored my concerns. Furthermore, my research reveals that the VIN number in question ( XXXX ) is not registered in my name according to the Florida Department of Motor Vehicles. I am seeking assistance to resolve this situation and hold XXXX XXXX accountable for their actions. 

I am confident that the car loan contract is a forgery, and I will not accept it as a legitimate agreement. I request that we examine the evidence and verify the contract 's authenticity. If it is indeed fake, I expect all parties involved to take immediate action to rectify the situation and protect my rights. 

I have also filed a police report and opened a case with the XXXX XXXX Police Department regarding this matter. I am cooperating fully with their investigation and will continue to pursue all necessary legal actions to address the fraudulent activities perpetrated by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

The CFPB closed my last complaint ( XXXX ) following a response from the company. The inquiry into my account was likely triggered by a name change that occurred due to marriage, which is something primarily affecting women. I attempted to resolve the issue by providing the documentation they requested. They dishonestly claimed the documentation I provided, which included a copy of my passport, was fraudulent or fake. In my response I asked the company to provide evidence my passport was fake. Passports are gold standard for identification and misrepresenting yourself with a forged passport is a crime. They made the claim without providing evidence. Also in my response to these claims from the company was the observation that their claims were unchallenged by this process, but my complaint was closed regardless. I am still waiting to hear the details of exactly how I forged my passport, and how applying identification algorithms that disproportionately affects women is not discimination against a protected group.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has ignored my dispute for over 30 days and the inaccurate information is misleading and impacting my credit report.
Product: Debt collection

Hello, To Whom It May Concern Ive been disputing the inaccurate account information, since XXXX, XXXX. The company has faild multiple times in responding, or verifying the debt. On XX/XX/XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating Ive made payments to this account. In which I have no acknowledgment of. XXXX XXXX also sold this debt to LVNV funding the company has than sold the debt again to Resurgent without my acknowledgment this company is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX/LVNV/ Resurgent has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report.
Product: Student loan

I contacted Navient to place my loans in deferment/forbearance while I collected the necessary documentation for my Income Based Repayment Application. The customer service representative told me Navient did not have the ability to stop my upcoming payment due to the fact I am enrolled in auto-debit payment. The customer service representative told me I had to call my bank to stop the payment. I did so and was told that payment would be stopped. However, Navient told me the incorrect amount of the payment which I then conveyed to my bank and because it was the incorrect amount, the stop payment order was not recognized and Navient was able to debit my account. Trying to rectify this with my bank, my bank informed me that Navient has the power to stop auto-debit at any time, for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are not mine. 

XXXX XXXX XXXX Bal {$200.00} Credit Limit {$500.00} XXXX XXXX XXXX Bal {$2500.00} Credit Limit {$2500.00} I dont know of the following collection company listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization regarding these inquires. 
XXXX XXXX  Inquire Date : XX/XX/XXXX XXXX XXXX   Inquire Date : XX/XX/XXXXXXXX XXXX XXXX  Inquire Date : XX/XX/XXXX These items need to be deleted from my credit report.
Product: Mortgage

On XX/XX/XXXX, I received a call from a Wesbanco employee that they were taking our advances out of the wrong account. This increased our loan amount by over {$15000.00} because all those wrong postings were posted in one day. Since the increase in our loan amount, our payment increased. I called and spoke to someone in XXXX of XXXX and XX/XX/XXXX about how this large of an increase would take us a few months to get caught up. I was told on both calls that we would be given some grace because of their error. I didn't realize that they were marked 30 days late for those two payments until we went to refinance. I immediately filed a dispute because I was specifically told that they would be willing to work with us. Those two months I called and let them know the date that the payment would be made, and I was told that it was documented in the computer. Each of those payments were made by those new terms we verbally agreed to. Then during that dispute, Wesbanco marked us 30 days late for XX/XX/XXXX when that payment was made within the 30 days. I was in the middle of disputing that as well, when they marked us 30 days late for XX/XX/XXXX, when it was also made within 30 days. I understand that two of those payments were late, but they were more than willing to make arrangements because of their error of taking it out of the wrong account. Had we known they were going to mark us 30 days late, we would have found a way to make the payment within that time frame and refinanced. We were told by an employee that the terms were modified for that special circumstance. Then to outright mark us late when we were within terms is fraud. I believe that Wesbanco is retaliating against us for filing a dispute and forcing us not to refinance so they can have that high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX must remove the XX/XX/XXXX " XXXX  '' code from my Experian report. 

On XX/XX/XXXX, I spoke with Experian customer service, and they reported that XXXX is still reporting inaccurate information on my Experian credit report, in violation of the Fair Credit Reporting Act. 

On XX/XX/XXXX, XXXX submitted a resolution to Experian claiming that this account should be listed on my credit report as-is. No. This is wrong. 

The account was settled at {$0.00} on XX/XX/XXXX, yet Experian is still reporting that it was settled on XX/XX/XXXX. 

This is why the Payment History for this account on my Experian report is displaying a " XXXX '' code for XX/XX/XXXX, despite the fact that it was settled in XX/XX/XXXX. Why is your company continually choosing to break the law by reporting bad data? 

Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ).

As listed in my CFPB complaint -- and in several pieces of correspondence sent to XXXX  with full documentation via U.S. certified mail -- XXXX must remove the inaccurate " XXXX  '' code listed within the payment history for this account on my Experian credit report for XX/XX/XXXX. 

The issue reported in my CFPB complaint regarding my XXXX report has been fixed. Please do not modify any of the information listed on my XXXX credit report. 

Please also do not modify any information on my XXXX report. The information on both of these reports is now 100 % correct. Thank you. 

The only remaining issue is on my Experian report. 

I am simply asking for a single incorrect payment history code to be removed. Why choose to violate the FCRA instead of making this one simple change? 

I look forward to having this information rectified or deleted altogether. I trust that your company will do the right thing, or I will continue to pursue legal action as is my right under all applicable state and federal consumer credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of hard credit inquiries that were conducted without my authorization. As a responsible consumer, I monitor my credit report regularly and recently noticed several hard inquiries that I did not authorize or expect. 

I understand that hard inquiries can have a negative impact on my credit score, and it is concerning that these inquiries were conducted without my permission. I have reviewed my records and can confirm that I did not initiate or authorize any credit applications or requests that would warrant these inquiries. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized hard inquiries removed from my credit report. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance in this matter. See inquires below : 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 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 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 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
Product: Credit reporting or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The security breach of Equifax disclosed on XX/XX/XXXX represents a gross misconduct on the part of a private firm which wields far too much power over the financial life of the average American consumer. The mishandling of vulnerable information ( including sensitive data such as credit history and social security numbers ) puts me and an estimated 143 million of my fellow Americans at risk. Furthermore, is abhorrent that this breach was only disclosed recently despite the fact that Equifax has been aware of the issue since XX/XX/XXXX. Finally, the fact that Equifax is able to profit off its own criminal negligence by charging consumers for credit protection and freezing is both morally and legally repugnant.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect XXXX XXXX to XXXX Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

My loan went into default with ICR. I have called several times to set up repayment plans. They are taking 15 % of my pay and are telling me that they will ocntine to do so and then will charge me an additional monthly charge that they get to decide. They take {$500.00} a month. I am unable to maintain that payment let alone another one from them. They told me to go out and get a loan to pay it off, but i can't because i am in default from them. They hang up and never respond back and are unwilling to help
Product: Credit reporting or other personal consumer reports

I want account to be removed from my credit report.
Product: Mortgage

I recently completed a Chapter XXXX Bankruptcy and paid my mortgage and arrears through my Chapter XXXX Plan. My Trustee filed a notice of mortgage cure and has given me payment records that indicate my principal balance should be significantly lower. My loan started with XXXX XXXX XXXX and was then transferred to Greentree and now is with Ditech. No one seems to be able to give me a complete account history so that I can have a XXXX audit my loan file from its inception which is XXXX of 2001.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account. 
2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history. 
3. Correction of any inaccurate or unverifiable information. 
4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We moved from XXXX XXXX XXXX XXXX  and have been trying to get TDAutoFinance to release our title to our new insurance company. 
I messaged TD via their portal XX/XX/XXXX to update them that we have moved and need to register our car in XXXX On XX/XX/XXXX I updated our address with them to reflect the move the XXXX and asked our insurance company to request the title to proceed with registration. By XXXX, nothing had happened despite calls and messages so the insurance company re-requested the title XX/XX/XXXX. 
In the interim, TD has given me multiple stories over multiple calls center and multiple hours and still WE HAVE NO TITLE. It is now XX/XX/XXXX. This has been going on for XXXX months. We are required by law to register our car in XXXX  but TD is impeding our ability to do so! Also, we have not finished paying off the loan but I couldn't find a better option.
Product: Student loan

I JUST SENT A PAYMENT TO THESE THIEVES IN THE AMOUNT OF {$4100.00} ( WHICH IS SUPPOSED TO BE VALID THROUGH XX/XX/22 ) THAT WILL BE PAID ON XX/XX/22 PER THE LETTER FROM XXXX XXXX ( WHO COULD NOT BE BOTHERED TO PROVIDE HER LAST NAME BUT SHE HAS MY LAST NAME AND SO MUCH MORE!!!!! ). I WANT CONFIRMATION THAT THIS AMOUNT FINALLY PAYS OFF MY STUDENT LOAN IN FULL AND THAT I WILL NEVER RECEIVE ANOTHER BILL ( OR ANY OTHER CORRESPONDENCE FROM THEM OTHER THAN TAX INFO ) AND THAT I AM FINALLY DONE WITH THESE THIEVES FOREVER!!!! I WANT THIS NIGHTMARE TO BE OVER FOREVER AND I WILL NEVER HAVE ANOTHER STUDENT LOAN AGAIN!!!!!