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

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XX/XX/XXXX, US DEPT ED XXXX Balance {$5400.00}, US DEPT ED XXXX Balance {$4900.00}, US DEPT ED XXXX Balance {$6000.00}, US DEPT ED XXXX Balance {$4800.00}, US DEPT ED XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me XXXX XXXX loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional XXXX 

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office.

I have also filed a complaint with the FTC and XXXX 

Removed this off my CREDIT NOW!
Product: Credit reporting or other personal consumer reports

I filed complaint # XXXX with the CFPB on XX/XX/2023 in reference to issues I've been having with Equifax in an attempt to get some answers about incorrect information on my credit report. Not only have I been ignored. I've been fighting this roller-coaster of unexplainable credit score decline with no explanation, and when attempting to address these issues Equifax claims it can do whatever to me without recourse. Equifax is being enriched because of the information attained in me credit report despite inaccurate information causing me financial hardships and damage to my standing in the financial sector. The response to CFPB complaint # XXXX was that the information was removed yet, the report still contains singular accounts reported twice as well as inaccurate payment statuses and inaccurate late payments just to name a few of the negligent practices of Equifax. I'm not sure I comprehend this response, maybe Equifax could explain what they meant by, " A summary of the results are listed below : NON-REPORTING DISPUTES Trade : IRS THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a lett  er to Trans Union with a copy of my Virginia Drivers License, a copy of my Social Security Card and a copy of a current bill showing my current address. I asked Trans Union to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Trans Union.
Trans Union se  nt me a letter dated  XXXX   XXXX ,  2017  asking me to send them the same information l already sent them, my wife sent the  m the same request at he same time with me and she received her credit report from Trans Union.
Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV web page : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Trans Union send me a paper copy of my report as state by Federal Law. AGAIN THE INFORMATION WAS SENT TO THEM.   Thank You  XXXX   XXXX
Product: Debt collection

I have on several occasions sent verification letters to this creditor and they have failed to respond. I need to verify what they are collecting on and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX  XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

The emergency room charges have been changed several times each statement. The level of emergency room service states level XXXX. I received no service other than an IV. I have spoken with XXXX XXXX several times and nobody in billing seems to understand. Then they never submitted my insurance which i provided.
Product: Credit reporting or other personal consumer reports

Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, we sold our condo at XXXX XXXX XXXX, XXXX, MA XXXX. A payoff check was sent by mail, by the lawyer for the buyer to Freedom Mortgage 's payoff department in Indiana. The lawyers name is XXXX XXXX. 

Almost a month later, I received a mortgage statement and call from Freedom Mortgage stating that the loan was still active and they hadn't received my XXXX payment. Upon calling Freedom mortgage, they told me that no payoff check was received. I emailed my lawyer and the buyers lawyer and I received the loan disclosure and the XXXX  receipt showing the check being received on XX/XX/XXXX. 

I called Freedom mortgage on XX/XX/XXXX and they said that it was an internal issue and they would be working to resolve the issue and locate the check. I was informed that because the issue was on their side, they wouldn't send any negative credit reporting information to the three bureaus. 

Over the course of the next week, I called Freedom mortgage each day, sometimes multiple times a day. Within a 48 hour period, I was once told that they didn't have the check, then they found it and sent it back because it was made out to the wrong amount and then when I called the next day, I was told that the check was never received and they were unsure of why the customer service rep told me that it was mailed back. All of these calls can be verified because they are recorded by Freedom Mortgage although not available without a court subpoena. 

On XX/XX/XXXX, I was informed by XXXX XXXX at Freedom Mortgage that the check had been sent back to the office of the lawyer of the buyer of my condo on XX/XX/XXXX because it was not signed. The lawyer for the buyer had moved offices and didn't know that the check had been sent back. XXXX sent me a XXXX receipt. 

The lawyer for the buyer and I then worked with Freedom Mortgage to get the new payoff amount and it was processed on XX/XX/XXXX. 

A few weeks into XXXX, I got an alert from XXXX that my credit score had dropped 114 points because of the late payment. I called Freedom Mortgage and asked them to inform the agencies of how the late payment wasn't my fault and they said they wouldn't. They told me that the error was on the side of the buyers lawyer despite the fact that it took them 2 weeks to figure out they had send the check back on XX/XX/XXXX. 

I filed a dispute with all three agencies and am awaiting their findings.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address a serious concern regarding a breach of my privacy rights as outlined under the Family Educational Rights and Privacy Act ( FERPA ) of 1974. Specifically, I believe that XXXX XXXX XXXX has violated the provisions of FERPA by furnishing my transactional and personal information to third parties without my explicit, written consent.

FERPA was enacted to protect the privacy of student educational records and requires that no personally identifiable information ( PII ) or educational records be disclosed to any third parties without the prior consent of the student, except in situations expressly authorized by law. The privacy policy that I signed at the time of my enrollment clearly outlined these protections, yet I have reason to believe that XXXX XXXX XXXX has failed to adhere to these obligations.

Based on my review, it appears that the college disclosed financial transactions and other related records to a third-party entity, which constitutes a direct violation of FERPAs provisions. I have not provided any consenteither written or verbalthat would allow the release of my educational or financial records to any non-affiliated third party.

Under FERPA, I have the right to : 1. Review my educational records.

2. Request an amendment to incorrect or inaccurate records.

3. Control the disclosure of personally identifiable information.

Given the gravity of this situation, I am requesting : 1. A detailed accounting of all disclosures made by XXXX XXXX XXXX to third parties concerning my records, including dates, recipients, and the specific information disclosed. 
2. A written explanation detailing how XXXX XXXX XXXX believes it was authorized to furnish my personal or transactional information without my explicit consent.

3. An immediate cessation of any further unauthorized disclosures of my records and a review of the institutions compliance with FERPA requirements to ensure such breaches do not occur in the future.

Failure to address this matter may result in my pursuit of formal complaints with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and other regulatory bodies. I trust that XXXX XXXX XXXX takes its obligations under federal privacy laws seriously and will rectify this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax few weeks ago and told them that the information that is on my credit report as public record is effecting me. I was tryi ng to get a student loan for my son for school. The public record they put only shows up in Equifax not the others I called the district court house to find out what was going on. They are looking for someone who has the same name as me but as they brought up who the person was married to and their kids and my social security number doesnt match up with their profile I asked them if they reported this they said not on your social security number .. so I contacted Equifax few weeks ago ( 4to5 ) weeks and it 's still there.. I want to removed because I would like to buy a house.. in the next 2 years or so. They asked if i ever lived in XXXX XXXX, or had a house there. I said no never had a house there .. I only had a mobile trailer home ..
Product: Debt collection

This company LVNV Funding LLC is reporting inaccurate information to my credit profile. I did not give them consent to use my personal information nor did I sign a contract with this company. I filed a complaint with the XXXX  as well which I will attach below.
Product: Checking or savings account

On XX/XX/2022 my USAA account was compromised and locked. I received a check for services rendered upon depositing the check it was cleared. A couple days later my account was locked and upon calling USAA i was told that the check was bad and that my account was closed. I had no time to discuss the matter and even after calling i was Told its nothing that can be done. I refuse to be at fault for a bad check that didnt come from me.
Product: Consumer Loan

In XXXX an account was opened in my name under false pretense by someone using fraudulent information. The person took the money and ran. I reached out to bank for assistance in getting resolve but they were only concerned about getting paid. In fact their only solution was to put me on a repayment plan with a higher interest rate until the debt was paid. They knew about the scam because of other victims but never offered to help. In XXXX a judgment was awarded against me. At the same time the bank was suing the person who scammed me for the same loan. In XXXX the scammer plead guilty but NFCU still came after me for the money. All of my attempts for resolve were forwarded to their attorney who only allowed for a repayment plan. Today I still suffer from the effects of this mentally and financially.
Product: Debt collection

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$1500.00} XXXX XXXX XXXX  XXXX / {$1400.00} XXXX XXXX XXXX / {$0.00}
Product: Credit card

I checked my name in the equifax data breach with the last 6 digit of my social security my information was included in the data ALL THE ACCOUNT WAS OPENED WITHOUT MY CONSENT AND APPROVAL I XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX
Product: Debt collection

Credit card taken out in my name unknowingly back in XX/XX/2015 store XXXX  by individual living in my home. 

I dividual had been XXXX for other XXXX, XXXX  etc.. 

Notified Portfolio Recovery however still showing on my credit reports. 

I am not responsible for said debt of {$1000.00} Portfolio Recovery has not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is closed and does not have a balance, It should not be showing up as a late payment. This is also a violation 15 USC 1681 ( 2 ) ( A ) ( i ) my transactions or experiences between me and XXXX XXXX should NOT have been on my consumer report.
Product: Credit reporting or other personal consumer reports

I sent out method of verification to the company for a collection XXXX XXXX XXXX on my account twice and hadn't receive anything back from the bureaus. I'm constantly getting a generic verified update. 

Also requested method of verification for late payments for XXXX  and didn't receive a response. Not showing late on other credit reports Lastly, I ask for method of verification for a charge off account for XXXX XXXX XXXX XXXX and hadn't got a response
Product: Mortgage

For the past two to three weeks I contacted my mortgage company PHH mortgage regarding forbearance due to financial hardship related to COVID-19. I have requested a forbearance under the Chapter 65 of the Acts of 2020, An Act Providing for a Moratorium on Evictions and Foreclosures Act. I spoke to over 14 different agents, and every agent was unable to assist. Each agent told me that they were only offering a forbearance that i would need to pay back in three months. I requested for the payments do go to the end of the loan agreement as stated in the Chapter 65 law. Every agents stated that they knew nothing about this law and could not help me, then directed me to speak to another person, then that agent directs me to another person, and for the past 2-3 weeks there has been no resolution. Not one agent looked into the chapter 65 law or helped to resolve this problem. Every agent told me that I can have a forbearance, but will need to pay the total back in 3 months. I explained during every call that the law that was passed two weeks ago states that I have the right to a forbearance due to financial hardship because of the coronavirus pandemic. This law also states that any amount owed at the end of the forbearance will be added to the end of the loan term. I would like assistance and review if this law. 

The PHH mortgage website does not reflect any new rules. They tell me they do not know anything about what was passed, and they can only approve forbearance with paying it back three months. I do not what else to do.
Product: Credit reporting or other personal consumer reports

For nearly a year I have been unable to access my TransUnion credit report and score online through my TransUnion service center or process online disputes. This has not affected my ability to log in, but it has affected my ability to get my consumer report, my credit score, and submit an online dispute including my needed XXXX XXXX  dispute online. I have tried to resolve the matter with TransUnion via email, text message, online chat, and phone call. TransUnion has showed bad faith and maliciously prevented me from accessing this impertinent information and resolving this error, by giving me the run around, promising to have a supervisor call or email me back and then never doing so having me submit the request through several methods, online, via phone, then transferring me to another department and then hanging up on me, ignoring my text messages, refusing to email me as required by the debt bondage act and my XXXX reasonable accommodation. This has been done in bad faith and maliciously to cause me to not be able to submit another dispute online. This is a direct violation of my rights and protections. I have requested you to fix this error multiple times and they have not. This is in violation of my rights and is causing me substantial harm. Its important to consider that as a result of this error going unresolved, the XXXX  - related information remains on my credit file which also violates my rights and exacerbates the XXXX  and harm that Transunion has inflicted on me and my family.
Product: Credit card

Spent {$3000.00} at Macy 's for Platinum status and confirmed it. Now says Gold status. Should be Platinum status especially after I confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I made payments to my bills with XXXX XXXX XXXX. XXXX  claimed that I had not made the payments and in XXXX they reported me to the Credit Bureaus even though I made more payments on the same debt. They continued reversing the second and third payments on the same debt I was trying to make. I contacted them and a Supervisor said that they were going to take care of the mistake. As a result of they reporting me in XXXX my credit score decreased by over 80 points. They continued reporting me unfairly almost every month since XXXX and my credit score continues decreasing for the same problem. I'm providing proof of payments made, payments that I continued making every month for the same debt which XXXX XXXX XXXX continued returning and I can't understand why. At this point I've paid the debt twice and they continue reporting me. This could be detrimental on my credit. Please help.
Product: Debt collection

XX/XX/year> XXXX Dispute XXXX  was supposed to dispute this fraudulent activity and they did not take it off my reports
Product: Debt collection

I recently was notified that a debt collection was placed on my credit report for {$870.00} for money I owed to XXXX XXXX XXXX. I have not had an XXXX XXXX XXXX mobile account in more than 10 years. When I closed my mobile account with them, paid whatever balance was due and closed the account. The current one I have is for our XXXX subscription is up do date and current. I have never been informed of any debt with our current account. A few months ago I was notified of a collection agency who attempted to collect a similar debt from me. I disputed it and it was resolved and removed from my report. This appears to be a similar occurrence. They have my address listed to an address in XXXX and I have never lived in XXXX. I contacted XXXX to report this debt as fraud and they advised that I file an FTC report.
Product: Vehicle loan or lease

I XXXX XXXX am opting out of you sharing my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with XXXX XXXX who sold my information to XXXX without my knowledge, traded information to discredit my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and transunion in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX have contacted the fraud department of XXXX and Equifax several times through mail and by phone in XX/XX/2023 to request the immediate removal of two unauthorized inquires. Furthermore these inquires aren't connected to any of my items on my credit report so it is very concerning to me. I am anxious to begin the process of buying me and my families first home soon, but these unauthorized inquires are hindering my ability to be appealing to lenders yet alone qualify for the best, competitive rates and mortgage opportunities.
Product: Payday loan, title loan, or personal loan

I have a loan with SANTANDER CONSUMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   SANTANDER CONSUMER with no successful resolution.