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

To Whom It May Concern : This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report # Account XXXX XXXX XXXX! = {$820.00}
Product: Mortgage

In XX/XX/2016, my monthly auto payment on NationStar 's website experienced a technical glitch and caused my monthly mortgage payment to not be credited. All other months had been paid up to this month, but due to the technical issue, my payment was " kicked out '' of the system. I was eventually notified and paid the mortgage payment immediately. 

On XX/XX/2016, I was notified that the payment was late for XX/XX/2016. I had made a regular payment and then proceeded to set up automatic payments from that point forward. Once we submitted the request we were under the assumption the set up was complete and the payments would be timely made. It was not until we were notified in XX/XX/XXXX that payments had not been made timely. We promptly made those payments online. We then proceeded to set up recurring bill payments through the local bank since the original set up had not occurred As with most folks these days we relied on technology and in this specific situation it failed. Certainly, the payments were not intentionally late as I was confident that automatic payments had been established. 
Both " late '' payments resulted in a reporting to my credit agencies and severely damaging my credit rating. I am requesting that your company update the late payment in XX/XX/2016 credit reporting due to this being a technological glitch and not a consumer oversight or avoidance.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXXXXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting over XXXX closed and paid accounts as open will keeps my fico score from increasing from in reaching its full capacity and score for financial stability. The accounts are continuously being reported as derogatory. The creditors have stated that the closed paid accounts are authorized to be deleted. The practice of reselling and reporting my closed and paid accounts must be stopped. This practice hinders me from getting a positive credit score and as a woman XXXX XXXXXXXX these practice do not help me get future credit and gives a creditor a negative outlook for any credit that I may apply for in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO IDEA WHO IS TRYING TO GET A CAR LOAN IN MY NAME OR USING MY SS # BUT IT IS NOT ME XXXX XXXX XXXX! IT IS AFFECTING MY CREDIT SCORE AND I RECEIVE A OFFER AT LEAST ONCE A WEEK THAT I DID NOT APPLY FOR! I WANT IT TAKEN OFF ASAP! IT SAYS XXXX XXXX XXXX WAS WHEN IT WAS FIRST APPLIED FOR AT XXXX XXXX I DID NOT DO IT! I CAN NOT AFFORD A CAR PAYMENT WHY WOULD I APPLY? PLEASE TAKE IT OFF NOW XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have credit fraud on all banks. I also have credit fraud from credit cards to stolen credit which equals cash to destroying 30 years of excellent credit from XXXX accident to having company that had nurses aides stealing money to stealing automobile. 


Companies, banks and credit. 

XXXX. XXXX XXXX has fraud for years. I kept telling them it is fraud and instead of helping me they closed accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX to stolen cash. 

XXXX. XXXX XXXX XXXX has closed cards and I told them this was fraud. It was 99 % nurses aides because now XXXX and even had internal fraud which they ( bank ) switch money arounnd ). 

XXXX. XXXXXXXX XXXX XXXX XXXX has charged me so much in fees that it is enough to pay a house yearly and I told them it was fraud. 

XXXX. XXXX XXXX has let charges in that were fraud. 

I told all of these plus allot more that I need report wiped and started over. I have been taken advantage of by a company that sent aides that all were criminals, uneducated and straight thieves.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 I DISPUTED FALSE INACCURATE INFORMATION ON MY CREDIT REPORT. THE CREDIT BURUEA RESPONDED STATING THEY HAVE VERIFIED THE DEBT. I THEN RESPONDED BACK ASKING FOR VERIFICATION PROOF FROM THE INVESTIGATION OF THE DEBT WHICH WAS IN THE AMOUNT OF {$26000.00}. THE CREDIT BUREAUS REFUSE TO SEND IN PROOF OR REMOVE THE INACCURATE/FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, during the 30+ plus days where the temperature exceeded 100 degrees. My air compressor stopped working. I contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX at ( XXXX ) XXXX. The service tech XXXX came out and explained our freon was low. After filling the freon he explained that the type of freon our unit needed was no longer an approved freon within the State of Texas. 
XXXX said in the future to add freon would cost us a minimum of {$900.00} per pound. He recommended a maintenance plan which we purchased. During that conversation, XXXX also suggested that we consider replacing the unit since it was almost 20 years old. He informed me of the various financing options. We agreed to have another representative come out to talk with us. 
XXXX ( sales representative ) came out and XX/XX/2020, and he sold us the entire Heating and Air Conditioning unit for {$10000.00}. He discussed the special financing 48 months, same as cash upon application approval. 
We did not want to make a joint application in fear it would be declined. Therefore, we ran provided my SSN and my husbands SSN. XXXX ran my SSN first and I was approved. 
There was no need to run my husbands credit, so he didn't. I signed the contract. 
When the statement came in the mail it was under my husband 's name and not mines. 
Once we received the first bill, we set it up on auto draft in hopes to pay it off quickly to prevent the finance charges. 
After 6 months, we received an invoice showing finance charges greater than {$3000.00}. I immediately contacted Fortiva and was advised their company does not offer 48months same as cash. They only offer 6 months. I explained the contract I signed and asked them to provide a signed contract in my husbands name that outlined the 6-month term. Fortiva instructed me to contact XXXX XXXX. They also advised me there was no signed contract they received from either XXXX or myself. 
I immediately contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I was informed there was nothing I could do. I asked for a copy of the signed contract showing my husbands signature. I was informed there was no contract. I have tried to explain to both companies that the contract was in my name and that I was the only person that was approved for the 48months same as cash. We have continued to pay Fortiva and now owe less than {$3100.00}. 
This loan would be paid off if the contract I signed was honored. There is no credit bureau reporting being provided for me since the loan is in XXXX name. 
I am reaching out to your Consumer Complaint department because this is fraud. We should have finished paying the {$10000.00} had they not added the finance charges. Please assist if possible. 

We are currently on paperless statements ; I reached out to Fortiva and was advised I would be unable to print my statements. I requested all the statement for my account. I am currently waiting for a response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit card

there has been an account opened in my name with the company care credit which i have never been with them and i have never had to have them so i am asking that this business remove this from my credit reports and get rid of this debt name is XXXX XXXX ssn is XXXX please remove this
Product: Mortgage

I have been a participant in the LA XXXX XXXX XXXX as a result of a hospitization I experienced during the XXXX pandemic. The State of Louisiana 's program paid my mortgage current and has made payments for 6 additional monthly payments. However, PHH Mortgage is ALWAYS slow in posting the payments. Once, the funds were sitting in a suspense account while agents told me no payment had been received from the state program. After waiting several weeks to speak with my PHH Relationship Manager they explained that the payment of {$790.00} was sitting in a suspense account and I needed to pay the remainder of that monthly payment ( approx {$100.00} ) before any of the state 's payment of {$790.00} would be posted to my account. The payment was late as a result of PHH 's failure to provide me with accurate information initially. They waives the late fee, however I am unaware if any late reporting was made to my credit bureau file for that XX/XX/XXXX payment. Here again I am being told on XX/XX/XXXX that PHH has not received payments from the state of Lousiiana HAF ( LA XXXX XXXX XXXX ) for XXXX or XX/XX/XXXX. The state has confirmed that payments were sent over 30 days ago. PHH will not process a partial payment for my portion {$100.00} and have scheduled a call for me to speak with my Relationship Manager over 3 weeks from now on XX/XX/XXXX stating that is the earliest appointment time that they have available. Why aren't payments that the state of Lousiana sent to them on XX/XX/XXXX and XX/XX/XXXX still not posted on my account?
Product: Credit card or prepaid card

XX/XX/2020 I purchased a NetSpend prepaid credit card and I added {$200.00}. I then tried to register the card, to use it, but I was not unable to, I was transferred to a representative, and was told they would not allow me access to use Netspend and my money would not be available to use on the prepaid card ... and further, the representative on the phone told me that I would received a {$200.00} check in the mail, sent to my home, I never received a check and never was not allowed access to my personal property, my {$200.00} ; and further NetSpend phone representative would not disclose the reason for their decision to access my money on the prepaid NetSpend card. 

6 Weeks later, XXXX again for the return of my {$200.00}, when I asked to speak to a supervisor I was put on hold for an hour and 10 minutes during the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, XXXX still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. XXXX has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing XXXX 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but XXXX has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult XXXX. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the XXXX XXXX breach and would like all accounts mentioned to be blocked and deleted pursuant to XXXX XXXX XXXX ( a ) XXXX XXXX XXXX XXXX bal {$1600.00}, XXXX XXXXXXXX XXXX bal {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$16000.00}, XXXX XXXX XXXX XXXX {$0.00}. 

Fraudulent Inquires : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you.There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - 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

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a Privacy issue related to my credit report, specifically in connection with the account provided by DEPT OF ED/AIDVANTAGE Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.I have never received Consumer Personal Financial Privacy Policy Notice by Mail in in writing under the GLB ACT that I was supposed to be provided at the beginning of the CUSTOMER RELATIONSHIP and ANNUALLY. 

2.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

3.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship. 

4.Written Contracts and Agreements : Provide any written contracts or agreements between myself and the DEPT OF ED/AIDVANTAGE explicitly granting permission to share my Personal & Financial non-public Personal and Financial information to a NON-AFFILIATED THIRD PARTY 5. Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent to data DEPT E

D/AIDVANTAGE ( OPT-IN ) the sharing of personal information. Failure to produce such is a violated of CONSUMER LAW under NON-COMPLIANCE that carries a penalty of {$100000.00} per officer a
nd {$50000.00} per employee. 

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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