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

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I should not have XXXX accounts showing from this company. I will be getting a audit down on my loan. I also want to opt out from my information being reported under law that request need to be performed within XXXX hours. 

Acct # XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am federally protected consumer approaching the CFPB for assistance with handling a company that has been extorting me for several years. 

XXXX has continually extorted me and pursuant to 18 USC 894, collection of alleged debt is extortion and a violation of federal law. XXXX has also failed to comply with the laws of the GRAMM-LEACH BLILEY ACT, which clearly states that nonaffiliated third parties should not have access to my nonpublic personal information. It is very clear that XXXX has continually extorted me for the purpose of unjust enrichment. 

I recently reviewed my consumer report and unfortunately located major discrepancies amongst it. 

In my recent dispute to XXXX and Experian, XXXX XXXX XXXX XXXX certified to XXXX and Experian that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. 

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish such information onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That XXXX violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to XXXX XXXX Code XXXX ( a ( XXXX ), that has taken place.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XXXX, 2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX  from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Product: Debt collection

I have contacted Experian about furnishing these fraudulent accounts on my credit report and they are not cooperating. They claim to have " verified '' these accounts but have not been able to show me any document, bearing my signature, signed by my hand. The reporting of these accounts are a violation of my federally protected consumer rights under 15 USC 1681b under permissable purposes. My written consent was not given to report these erroneous accounts attached in the dispute letter below. I have also attached an affidavit of truth, an affidavit of cease and desist, and an affidavit of demand for verification, all of which have been notarized by a notary public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX.. I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit card or prepaid card

I'm absolutely livid that I received a unsolicited debit card to activate sent by Chime Bank to my home address!!!!! This is absolute XXXX and Chime Bank should be penalized by the government for this kind of business model. I have no relationship with these XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have collections on XXXX XXXX, and Transuion that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for your response, but nothing has come through as of yet. The unverified items stated below continue to report on my credit report in violation of federal law notwithstanding the prior written request. Despite my best efforts to resolve the issue directly with the creditor, the credit bureaus continued to report unsubstantiated information in violation of the Fair Credit Reporting Act, 15 USC sections 1681i, and did so with intentional ignorance and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. Please take the following things away : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00}
Product: Mortgage

On XX/XX/2021, I called Select Portfolio Servicing to confirm my Request for Mortgage Assistance was received, and a rep confirmed it was received and it would take 1-2 business days to review. At that point, the point of contact for my loan was XXXX and the customer service representative requested him to give me a call to review my file. On XX/XX/2021 I called Select Portfolio Servicing and a representative said she had no Notice of Default on file and I requested a call again from my point of contact. On XX/XX/2021 XXXX called back and said that there is a Notice of Default on file as of XX/XX/2021 and my loan is in active Foreclosure. XXXX stated that they would review my account for a modification if I submit a Request for Mortgage Assistance application and a hardship letter. On XX/XX/2021 I resent the Request for Mortgage Assistance application to Select Portfolio Servicing and a representative sent an email to my relationship manager requesting that I receive a call back. On XX/XX/2021 I called Select Portfolio Servicing and they said that my Request for Mortgage Assistance application was received on XX/XX/2021 and that the packet was complete and no additional documents were needed, and that they will notify the borrower of a decision within 30 days. On XX/XX/2021, I called Select Portfolio Servicing and a representative said no documents are needed and their underwriters are still reviewing the mortgage assistance application and they will have a decision within 30 day. I requested Net Present Value ( NPV ) documents to be sent to me. On XX/XX/2021, I called Select Portfolio Servicing and they informed me that I was approved for SAME repayment plan. I requested a copy of the documents for review. On XX/XX/2021, I called Select Portfolio Servicing, and they reiterated the repayment plan which is {$3100.00} which is double my mortgage payment. My Point of Contact is now XXXX and I requested a call back from her. On XX/XX/2021, I called Select Portfolio Servicing and they said that the modification was denied due to a failed NPV test. I re-requested those values as they were never sent to me. On XX/XX/2021, I asked for the loss mitigation supervisor, the representative said they can not transfer me, but they would send a message to them to call to call me back. On XX/XX/2021, I called Select Portfolio Servicing due to no call back from POC, the representative reviewed the NPV documents as Select Portfolio Servicing did not review my hardship or income and they failed the NPV test without calculating the allowed interest rate and payment reduction. The representative could not transfer me to my Point of Contact and couldn't explain why NPV was failed. I stated that the proposed evaluation from Select Portfolio Servicing shows that the allowed interest rate is 2 % with an allowed payment of {$1000.00}.
Product: Debt collection

I need this account to be reviewed and removed. I give permission for my insistent phone calls to customer service to be heard. The first call should be reviewed and it is 1 day after having acquired the credit I made a call to make the return and it was not accepted. The rest of the days it was USELESS to achieve communication with this company since they DIDN'T PROVIDE ME CUSTOMER SERVICE, they blocked my calls, they can verify it and their service was NEVER FUNCTIONAL, I don't have to pay!
Product: Credit card

My Bank of America credit card ending in # XXXX was closed without any prior notice to me. I have spent hours on the phone and the local branch of Bank of America in XXXX, NJ. Bank of America refuses to pick up the phone for me period. When I visited the local branch on XX/XX/year>. I spoke to the branch manager XXXX XXXX XXXX and he was placed on hold for XXXX minutes ) and the person he spoke to promised to mail the past XXXX statements. To date I have not recieved any statements. My stress with this is through the roof. I am now unemployed and would like to discuss payment options, or pay the bill as much as possible, but this is impossible with no one to speak to at Bank of America. I hope you can help. I am at my wits end with this.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I was speaking with two employees from the company XXXX XXXX XXXXXXXX. ( website : XXXX ) While speaking with these two for hours, with a lot of promise from the company and the money you can make XXXX XXXX while also never disclosing the product they are wanting me to XXXX XXXX XXXX It wasn't until late into the call where I seemed to have gotten the job, they had me share a screen over XXXX, and helped me apply for a {$2000.00} line of credit on a card from Affirm. I did put in my last 4 of my social and sign a document, but was again asked to try XXXX to open up a line of credit as well, as well as one other with them telling me they want me to get to a {$6000.00} line of credit total to access the course and warm leads. 
This made me uneasy and I got off the call believing I have just been scammed into a pay to work scam. They say if you can't make at least XXXX XXXX a month, you will be liable for a {$200.00} payment each month to them for 18 months or until you pay it off. They say things like : " we have folks that work 2 to 3 hours a day and make XXXX XXXX  every couple days to help boost your confidence. This may be true, however these details were not disclosed fully until after you had been approved for a line of credit. 

Being gullible I fell for the scam, and after thinking about it more I realized I was the high ticket sale in that situation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I received an email alert that I no longer had a FICO score. 
XX/XX/XXXX, I received an email alert that I now had a FICO score. 
XX/XX/XXXX, I received an email alert that I no longer had a FICO score. 
XX/XX/XXXX, I attempted to go to the Experian web portal for my account and find a contact number to talk with someone about why this was happening. The portal showed that I didn't have a FICO score. After about 45 minutes of fighting with their automated system for 3 separate phone numbers, I finally hit upon stating I wanted to dispute something in my report. I was able to talk to one person who then transferred me to a specialist in disputes who told me they didn't handle the issue I was having and they were going to transfer me to the membership team, which all that occurred was dumping me back into their worthless help system. I spent about an hour and a half trying to get this straightened out. Upon relogging into the web portal, my FICO score was being shown. 

My concern is that someone is going to pull my score from Experian and their system is going to show I don't have a score and that will blow up a loan or attempt to get credit. 

It is virtually impossible to get past their automated system and talk with a human. I have no faith the issue is resolved and I'm concerned that my score will disappear again. I suspect there is some issue with their IT systems, but I'm was unable to get a hold of anyone to discuss that with.
Product: Credit reporting or other personal consumer reports

Though I have disputed before and it was removed before. They are allowing a different collection agency re-add incorrect information to my credit report. It says that I owe XXXX for an account that I had with XXXX XXXX XXXX. When I XXXX, I paid all fees and I received my diploma. I even have my account to show that I left the school with a {$0.00} balance.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX and XX/XX/year>, I sent an email regarding an application for XXXX benefits. I submitted my military benefits orders, enlistment contract, XXXX benefits certificate, an a memo stating that as an XXXX XXXX XXXX station in Louisiana, the XXXX provision extends to loans incurred DURING the service, and not only to loans incurred before joining the military service. 

I also submitted a copy of XXXX XXXX, Section XXXX ( a ) i, stating and corroborating this information. 

They response was as following : We have reviewed the Louisiana key provisions with our counsel and our response is in accordance with their guidance. The XXXX allows a service member to request a creditor reduce the rate of interest to six percent ( 6 % ) only for financial obligations that were incurred prior to the service member entering military service. You were on active-duty status when you applied and received your loan. In addition, your active-duty status does not materially affect your ability to repay your loan. As such, your account does not qualify for the requested reduction in your interest rate. 

That is true, for as an XXXX XXXX XXXX stationed in Louisiana, that provision is extended to loans incurred DURING the military service, according to the subsection D and A of such law. 

I want to request a complain and an interest reduction to 6 %, as well as excess interest paid through the loan since it was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain a copy of my credit report and noticed accounts i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I called because there was an open account on my transunion report only, for a collection. The debt balance was inaccurate and was reporting as such. I have paid the original balance with the business and have asked them to delete the account all together due to inaccuracies. They denied my request and proceeded to tell me they wouldnt help me further.
Product: Credit reporting or other personal consumer reports

Thoroughly investigate it and make the necessary action. I want those late payment remark remove and update it to pay on time.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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: Consumer Loan

I paid off my car in around XXXX XXXX with Ally Financial they stated that I still owed them about {$2000.00} in late fees which I tried to disclaim. I gave up that fight and agreed to paid the late fees on a term of a {$100.00} a month. They stated that they agreed but that I could only pay them by check so I did. XX/XX/XXXX I had a balance of {$400.00} I wrote a check for {$100.00} however the Ally Bank withdrew the whole amount of {$400.00}. I called on numerous occasions but no one would help me resolve this issues. I l later got my title and lean release in the mail. Now I still get daily calls 2 - 5 times a day asking me to pay off the balance that I still owe them {$300.00}. I have informed them over and over again of the previous information and still they have refused to hear me and continue to call and mail me letters. I do n't know what else to do as I refuse to give them another dine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to the credit bureau that I have a loan with them for {$24000.00}. I did not authorize or requesting this loan. During the period of XX/XX/XXXX - XX/XX/XXXX I was jail. I could not have requested or signed any documents for this loan. This account was opened fraudulently. Im requesting this be investigated thoroughly and removed from my credit report. I have tried disputing this using credit karma. Now proceeding to the next step.