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

These Consumer reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as on XX/XX/2023 this law below made by congress gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention some concerning issues with XXXX XXXX XXXX. Not only did they fail to provide accurate mechanical records, which could have provided proof of a lemon law violation, but they also failed to address stickable items as per Maine state law. 
In addition to these issues, I discovered that XXXX XXXX XXXX did not report accurate information on my credit report. They failed to update my report within 30 days and did not report to Experian at all. This has caused significant harm to my credit score and financial stability. 
I urge you to investigate these issues thoroughly and hold XXXX XXXX XXXX accountable for their actions. Consumers deserve accurate information when purchasing a vehicle and when it comes to their credit report. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

citi bank i closed this account, they did not close it, and billed me at a XXXX balance once again for the sum of XXXX next year and tacked on interest called them 3 times to cancel, they only cancelled the card on the third call and billed me for the interest of having the card renewed .at no time was I late for any payment only an interest charge of a renal fee i did not want and told them it was cancelled. 
this is hwy robbery to charge a fee for renewal when already the card was cancelled, and then charge an extra fee for interest, there was never a late fee for any purchases or use of the card. 

my credit score has always been closer to XXXX and this is the only item that is completely bogus would never bank with Citi again use them in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt that was purchased by portfolio recovery. I made payment arrangements and paid in full and portfolio recovery sent me a paid in full notice showing balance XXXX but it is still showing the full amount on my credit report. I have disputed it with all credit bureaus but they are not removing it. Or showing the XXXX balance.
Product: Student loan

I had submitted a complaint XX/XX/XXXX regarding Fed Loan Services inability to adjust my loans to a level where I could afford to pay on income based repayment after my account was direct debited for {$1200.00} vs the {$800.00} I had been paying. For a period of nearly 6 months ( XX/XX/XXXX- XX/XX/XXXX ) I was induced to put my loans into a general or hardship forbearance so that the reviewers could adjust my loans. I was told that had no choice but to be in forbearance and was not able to make any payments during the adjustment period. Each month they adjusted the loans to a total level that I could not afford. I would get conflicting emails and invoice in the mail stating what I would owe, stating that I had past due amounts, stating what I had to pay the following month. Each time I would call frantically trying to figure what was going on, only to be told I had to extend my forbearance. I am asking that the due to the Servicer 's inability to adjust my loans during a 30 day period, that any additional interest recapitalized be forgiven. I have spoken with the Servicer 's office ( XXXX XXXX XXXXXXXXXXXX, XXXX ) several times XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX when she has reviewed my file. Each time she does not understand the context of my request for relief and each time she states that she will re-review my file for the relief as she did not earlier understand my request. It has been almost 5 months since my last correspondence with the servicer and a year since my initial complaint with no summary of what is being done to close out this complaint. I would appreciate the CFPB/Ombudsman intercede on my behalf to drive a resolution and closure.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Equifax credit report and to notify you of your failure to comply with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, all information reported to credit reporting agencies must be accurate and validated within a 30-day timeframe. 

To date, this company has failed to provide accurate verification of the disputed account within the required 30-day period. Despite this, the account has continued to be reported on my credit file, violating my rights and demonstrating unfair and potentially unlawful debt collection practices. I believe that this premature reporting is a clear violation of the law. 

Specifically, Equifax has incorrectly reported the account as " closed, '' when it should not be on my report at all. After a thorough investigation, XXXX recently conducted a thorough investigation into the same account and removed it ast it was inaccurately reported, in line with consumer rights. This discrepancy between how Equifax and XXXX handled the investigation highlights that Equifax 's failure to correct these issues is in violation of my rights under consumer protection law. 

Despite my previous communication and a formal dispute, Equifax has failed to update and remove these inaccuracies as required by law. 

Account : XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2023, I called Avant in order to get my payments reduced because of financial difficulties, Ive paid approximately 50 % of a {$10000.00} loan already and looking to reduce the monthly payment amount because of financial hardship. Noting that Ive never missed a payment so far, Avant employee names XXXX rudely tells me that they can not help me and that couldnt get me a supervisor and that even if they get me a supervisor they will tell me the same decision. The conversation was recorded as claimed by Avant
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and have identified inaccurate personal information.
Product: Credit card or prepaid card

i applied to Capital One Bank USA NA for a XXXX credit card and my application was denied based on the fact they say my account usage and terms of account was not what we agreed on I was to say that's not true in any way this was on XX/XX/2022 I would like to dispute this action and come to term with the company on the truth and I would to be approved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX UT XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company is fraudulently attempting to collect that is not owed. They are stating I owe XXXX XXXX XXXX {$75.00} and my account was referred to them. the closes amount I owed to the amount they are asking for was {$72.00} and I paid it at least two weeks before I received the letter and more than 1/2 that amount would be for the current bill. That is due either on the XXXX or XXXX of this month. The name of the company is LJ Ross Associates XXXX XXXX XXXX, XXXX, MI XXXX, ph XXXX, web site : XXXX their account # XXXX
Product: Checking or savings account

I didnt want the dispute for {$500.00} to be opened up with Citibank in the first place and I was giving a temporary credit of {$500.00} and I dont have the money or used due to multiple fraudulent charges on my Citibank account ending XXXX and I called in the middle of XXXX not XX/XX/XXXX to close the dispute out and I was told by the supervisor of Citibank it will go back to the merchant which is XXXX XXXX XXXX ... this dispute was open in a error on Citibank end and I never wanted this dispute to begin in the first place and Citibank rebilled me for this charge in the amount of {$500.00} on to my checking account ending in XXXX and holding me liable for it But didnt return the money back to the merchant since they have try to challenge the dispute and I didnt open this dispute with XXXX XXXX XXXX at all
Product: Credit reporting or other personal consumer reports

There is a new account on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : XXXX XXXX XXXX XX/XX/2023 XXXX Thank you. XXXX XXXX
Product: Mortgage

Hello, 5 months ago me and my wife began refinancing my mortgage with your company. Since we began we have been repeatedly misled or given inaccurate information or straight out lied to by my loan officers. We tried to cancel the business months ago when their service was clearly not helpful but they held hostage my deposit they refuse to return if i wanted to cancel their business. 

We've been told repeatedly that after an assessment and providing the value came out as predicted it would be the last step in the process. After the assessment came in for the proper amount they have now indicated that we needed repairs but are unable to tell me what is needing to be done because the assessment report does not say anything. After that we were told that we could not qualify anymore for our loan and would need to change terms. 

We've been given the run around from these officers and company for months without getting any straight answers on why we don't qualify and what we need to do to qualify again. At this point the only I can think of is their trying to scam me out of me {$500.00} dollar deposit by pushing me to another lender. 

These two employees have repeatedly given us conflicting information in what is either massive incompetence in their abilities or an intentional effort to drive away our business and keep the {$500.00} dollar deposit. I have asked to speak to the managers but haven't received a response. I am concerned that this is a complete scam with the way we are being treated by this company, I have reported this company as a scam to all available financial regulators and will be contacting legal counsel. 

XXXX XXXX XXXX XXXX NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX XXXX Desk XXXX Fax XXXX XXXX XXXX Processor AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX Desk XXXX Fax XXXX Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint against XXXX trans union and XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation pass 30-90 days passed. wrong information such as old address keep reappearing, identity theft fraud error, wrong employers, email address, public information on my credit report and criminal back, late payment history passed 7 years or more and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please
Product: Student loan

I am unable to pay XXXX a month when I only have XXXX salary. I am struggling a lot with credit card debt and student debt at the same time. I am doing my best to pay both, but XXXX a month is just very unrealistic. I would like to discuss a better price for my repayment because this is very difficult and unrealistic for someone who is trying to get their life started after graduating. 

Thank you.
Product: Credit reporting or other personal consumer reports

My Student Loan is now paid off as of XX/XX/year>. However, Ed Financial has now REMOVED the paid tradeline off of my credit report which also DELETES over XXXX  years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for XXXX  years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next XXXX  years after it was paid off.
Product: Credit reporting or other personal consumer reports

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. This collection Informationon my XXXX XXXX report is not refelecting the same infromation that was removed from XXXX XXXX Collections ( XXXX XXXX XXXX ) XXXX Account # XXXX Collections ( XXXX XXXX XXXX ) Equifax Account # XXXX  Delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

There were several attempts from the creditor to have me apply for additional money, without indicating how much would be allowed to me and why I was denied. This was a request from both XXXX XXXX XXXX and the XXXX XXXX XXXXi for a XXXX XXXX loan. I was denied without a reason for the denial and the request hit my credit report more than XXXX times. I was also advised to submit a XXXX twice, without having an approved credit line. I would like this malicious account removed as I was not advised that this would be considered a hard inquiry to negatively impact my score whether approved or denied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and they were unable to track the transactions. Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Lack of transparency or accountability raises concern for consumers and our safety and is unacceptable.
Product: Credit reporting or other personal consumer reports

I received a letter on XX/XX/2024 stating my dispute was fraud, frivolous, or irrelevant. My XXXX  received the exact same letter the same day! All of my letters were my words ( not a credit repair company ). I included additional supporting documentation regarding my dispute with very detailed reasons why it should be deleted from my report immediately. It was signed with a wet signature. 

Provide proof of what makes you think my dispute was fraud, frivolous, or irrelevant. 
I request you send my original letter back to me with an explanation of how you came to this conclusion. 

Your letter failed to identify which dispute this is regarding in a manner I could interpret. File number XXXX does not help me find which dispute needs to be resubmitted Your letter failed to inform me of what additional information is needed ( see FCRA 611 ( 15 U.S.C. 1681I ).

I received an email from Experian not a letter.
Product: Credit card or prepaid card

I am writing to delete the following information in my credit profile the item I need deleted are listed in the report I'm a victim in identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission I also have enclosed copies of Federal Trade identity theft affidavit. I will appreciate if you delete it as soon as possible as it is hindering me from trying to advance the events in my lifestyle to provide a better life for my family.