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

I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the Department of Education, USA, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from Department of Education, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XX/XX/XXXX-XX/XX/XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) Equifax and XXXX have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked Equifax and XXXX not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I tried several times to dispute a repossession from my credit report that my ex wife let it go without my consent. 

XXXX XXXX Account Number : XXXX
Product: Mortgage

Our VA mortgage to XXXX XXXX closed on XX/XX/XXXX with first payment due on XX/XX/XXXX. 

Before the first payment was due, we received a notice of servicing transfer. We called Weststar Mortgage ; their representative told us to send the payment to XXXX. 

We have made all of our mortgage payments to XXXX on time. 

Weststar Mortgage is saying the representative made a mistake, and that the XXXX payment should have been sent to them. 

The result is that Weststar Mortgage is incorrectly reporting our mortgage as seriously past-due. We have two mortgage accounts being reported to XXXX, XXXX, and XXXX. XXXX has not been responsive to our requests to correct this error. 

XXXX XXXX and Weststar Mortgage are affiliated companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that XXXX has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title XXXX chapter XXXX. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, XXXX is operating as a financial institution based off of the relationship that they have with financial institutions. 
XXXX has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. XXXX did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist All Communications Regarding Partial Account # XXXX Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication, concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. 

Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease. 

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of XXXX XXXX XXXX will be considered a violation of the FDCPA, and I will take appropriate legal action. 

I expect written confirmation that you have received this letter and that no further contact will be made. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

In XX/XX/XXXX I was granted an extension from XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was sent a letter stating that I didnt pay XX/XX/XXXX payment so I called into them to discuss the matter. Ever since XX/XX/XXXX I have tried to correct numerous issues with them but they lie and give excuses. They caused numerous bounces to my bank account in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They asked me to send in proof which I sent in numerous times by email, fax and a certified letter. They kept saying they didnt receive it which is impossible sent it was sent in at least six to seven times. I complained to the XXXX in XX/XX/XXXX but XXXX stopped answering them. I had to make complaints with the Attorney Generals Office of Arizona and Consumer Affairs. I asked XXXX for a detailed bill telling me exactly what they are charging me including any late fees, bounce fees, etc. They refuse to send that out which I find ridiculous since every other company sends out an itemized bill. They are trying to say that I owe them {$1900.00}, but I only owe them a little over {$900.00}. They tried to say that I owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but I dont. I only owe {$300.00} for those months that I am paying off by the XXXX like my husband told them. They reported to the credit reports that i am 70 days past due but Im not even thirty days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XXXX of XXXX and when the pandemic hit i was out of work in XXXX. The loan company helped me with 4 deferrals and the payment for XX/XX/XXXX was reported 30 days delinquent on my credit reports. I was had on in communicating my financial concerns and I was told multiple times that due to the pandemic they would not report over 30 days late. 
This is not what took place. And I haves called and emailed complaints about the 30 days delinquency on my Crefit report and have asked to have it removed and its has not.
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT THIS XXXX  BUT I'M STILL DISAPPOINTED WITH IT BECAUSE THE INACCURATE ACCOUNTS ARE STILL THERE. PLEASE KINDLY CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX needs to remove all negative remarks on my credit report. They have violated too many times. 
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you verbally, written or non verbally per 15 usc 1602, 16 CFR 313, and Privacy act of XX/XX/1974. Remove all negative reports on my credit report immediately. 
Charge off is certificate of indebtedness and must be removed. CFPB has to enforce this act. I will need to be compensated for this which is {$1000.00} per violation as I have requested this to be removed in the past from credit report and still showing on there and I have been affected emotionally because of the stress this has caused me being denied for loans which I shall be compensated for as well.
Product: Debt collection

I have repayment of my Student loan with : Student Loan Finacial Assistance https : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX : XXXX However, I have been unable to contact anyone that works for the organization. They have been retrieving money from my Bank Account monthly for about 2 years. 

I would like some one to call me because I will be returning to school in XX/XX/2021. 
I am also contacting my lawyer regarding this issue. 

I have also reported them to the XXXX XXXX XXXX
Product: Debt collection

Hi. It looks like in XX/XX/2018, 2 accounts were open NCC BUSINESS SERVICES. 1 is for {$1000.00} and the other is for {$3000.00}. I have disputed with each Bureau multiple times and it hasnt been deleted from all. I have never received any sort of notification from this company about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my XXXX report. 


COMENITYCAPITAL/SEPH XX/XX/XXXX XXXX XXXX XXXX, XXXX Both inquires are not mine. Remove them immediately or Ill have to contact my lawyer. XXXX was called they refused to provide proof after I requested removal
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX  and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX  in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX} and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX  and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Product: Debt collection

on XX/XX/XXXX a letter was sent to COMMONWEALTH FINANCIAL asking to provided Validation of Debt and HIPAA authorization which they could NOT provided.

The debt doesn't belong to me.

Not only that they couldn't provided the proper documentations I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permis- sion to ( COMMONWEALTH FINANCIAL ) for them to release my medical information to a third party.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these ACCOUNTS in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed ACCOUNTS will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

When I filed my claim in XXXX, I ordered a new card to my home but I let them know I would be going to XXXX soon. The card didnt come by the time I had to leave to go to XXXX and I was expecting it to be there once I got back home on the XXXX in the mailbox so I didnt think too much of it. Fast forward to the XXXX I go to the airport and my phone and computer gets stolen so I immediately file a police report. And once I get home, I check the mailbox and my card isnt there. So Im waiting and waiting and still no card. And when I call and see if have a couple XXXX on my card I immediately get it sent so that I can pick it up. But I later found out that my claim had been approved and what I had been withdrawing was what was left on my card from the thieves stealing the rest. So I file another claim and it gets denied and come to find out, {$1000.00} was withdrawn from my acct in XXXX although I was clearly out of town and the rest was transferred to someones bank acct and I dont even have a bank acct! So I know there is no real investigation happening and something needs to be done. I need atm footage and to find out whos acct the money was transferred to because it wasnt mine. I want my money back. Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, XXXX, in XX/XX/2017, I victim of identity theft for the incident of the Data breach by Equifax, and Also I had insurance I was getting it the trusted ID premier by Equifax I reported with the Equifax inc assurant and the haven't dont nothing to pay my all the problems and fix my credit and I sent all the documents that Equifax request me and now they say they didn't receive it but I have the proof that. They signed and the dont want to fix the problem van you tell me what can I do about it please
Product: Debt collection

A company called Halsted Financial Services LLC has been calling my number everyday for several months now. I have never received any sort of correspondence from them regarding the nature of their call. I don't answer their calls. I don't know who this company is. I have never done any business with them.
Product: Credit card

I am a XXXX cardholder with Chase. Chase sent me a targeted offer for {$85.00} credit with staying at XXXX XXXX. I stayed at XXXX XXXX during offer period and charged stay to my Chase XXXX card. I have called Chase multiple times to try to get them to give me {$85.00} credit and each time I have been run around. First customer service rep said he couldn't help me, he didn't have the tools. Second customer service rep said first customer service rep was wrong, the problem was " coding '' on Chase 's side and I'd get credit. Weeks later, when I didn't get credit, I called and third customer service rep said previous rep was wrong and what I really needed to do was start escalation. Did that, then I received nonsensical letter from Chase saying I needed to call to give them more information. When I called yet again, fourth customer service rep said I needed to provide Chase with written terms of its own offer -- good thing I had a screenshot, I pity those who didn't. I uploaded screen shot on Chase 's website -- which I could've done on my first call if Chase doesn't know its own offers. It's obvious what's going on here -- Chase has a corporate policy of misleading consumers with offers and then delaying and obfuscating to avoid having to fulfill those offers, in order to goose earnings. This is fraud, pure and simple.
Product: Credit reporting or other personal consumer reports

Experian has literally made it impossible to freeze my credit. I got a notification that my XXXX appeared on the dark web and have been rushing to freeze it. It has been easy to do this at all of the bureaus, except Experian. I made an online account with them, but their " freeze '' button literally doesn't work. I have been trying to get on the phone with someone for the last XXXX hours, and it keeps saying that the expected wait time is XXXX minutes but they keep me waiting indefinitely. I am still on hold. This is incredibly unethical and violates my rights as a consumer. 

If someone falsely opens a credit card under my name and XXXX because Experian refuses to help consumers, I hope they will be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 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 a account without my written instructions 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 purpose also exposing charged off accounts and late payments to the public Please help me delete all inaccurate information
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )