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

I have concerns regarding the validity and accuracy of your recent investigation into the accounts listed on my XXXX XXXX. I requested this investigation because I believed the items in question were not being reported in accordance with the law. I recently received a letter stating that your investigation is complete. Could you please provide me with an explanation of how the investigation was conducted? 
SLS/GMFS XXXX Balance : {$210000.00} XXXX XXXX XXXX Balance : - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed a collection from a company called XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate XXXX or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.
Product: Payday loan, title loan, or personal loan

I received a denial of credit letter from an Application that I did not submit. 

I received from Prosper, a letter denying my application for a loan. The letter indicated that Prosper had reached out to me in prior correspondence to offer a smaller loan. No prior communications had been received by me. 
I requested a copy of the Application Prosper had for me. The employees assured me Prosper could not provide a printed copy or electronic copy. Employees offered to read the application information to me over the telephone. At this point I asked, what if I am the hacker, you are going to read the information to me sight unseen? XXXX, the person on the Customer Advocate Team, in the absence of a manager that I had requested, proceeded to read my street address to me, then  I stopped him. During the conversation I became aware that they were using a name I have not often used in the last 20 years, know my address, email, and year of birth. I told them that it was unacceptable for me not to be able to SEE the information that they had on me, without my consent. 

I admit around the time Prosper alleges an Application was made, I was looking at rates for personal loans, but I did not submit and application to Prosper. Without my making an actual application and consenting to providing Prosper information Prosper should have no information on me. 

I asked what government agencies regulated Prosper, and initially was told none ( under which they operated I think was my initial question ) That answer was later justified by " We Are Not A Government Agency ''. I then asked which agencies performed oversight and provided regulations that Prosper had to comply with. XXXX who was supposed to be a supervisor, said he did not know. 

XXXX did tell me that Prosper is Prosper Market Place LLC dba Prosper Funding LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX said Prosper is a pier to pier lending organization with no federal control, but XXXX confirmed that Prosper answers to CFPB. Therefore I am writing to you to find out how I SEE ( i.e. obtain an actual replica [ PDF of hardcopy ] of the information from their database ) 1. what information was submitted to them that gave rise to the denial of credit email I received 2. who sent it to them 3. who Prosper sent counter offers to 4. under what authority that initial information was provided AND Answer the Question of HOW DO I GET ME OUT OF Prosper 's DATABASE COMPLETELY. 

IT IS NOT ACCEPTABLE THAT PROSPER HAVE ( OR HAVE HAD ) INFORMATION THAT PROSPER IS WILLING TO SHARE BY TELEPHONE ABOUT ME AND CAN NOT PROVIDE ME A REPLICA SO I CAN SEE IT MYSELF TO BE FULLY APPRISED OF THE INFORMATION IN THEIR HANDS.
Product: Student loan

It seems like my private student loan interest rate goes up every month or every other month. I have been repaying it on time and even additional principle payments to pay it off faster. I would like you to check why the interest rate keeps climbing for no reason at all. I get letters often that the interest rate went up for no reason. I 'm wondering if this is legal? I am also wondering how I can get them to stop increasing my interest rate so often. It started at 4 % and is up to 5 % in less than a year. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$49000.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I opened a dispute with all 3 credit bureaus in particular " XXXX XXXX XXXX XXXX '' I have submitted a complainant about this company, the first complaint the company responded that I was not in there system, Second complaint I provided bill through complaint open again through CFPB. The company has NOT responded through CFPB, I emailed company on XX/XX/2019. There response was as follow " Ms. XXXX, We have located an account and forwarded your second complaint to XXXX for investigation. We will respond to the complaint in the time allotted after hearing from XXXX on the matter. '' Now on XX/XX/2019 Experian has updated this account to stay on my account and has closed my dispute how is this possible?, NEITHER Experian OR XXXX have provided documents that I have ask for showing this indeed belongs to me, I humbly ask the help of CFPB. I'm afraid that the bureaus are not investigating properly, I have provided documents showing I'am in fact an identity theft victim as well. To XXXX in my previous complaint to make it clear this is what I'm requesting from your company " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : ''
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Payday loan, title loan, personal loan, or advance loan

I have been getting harassed by staff and district manager at Sunset Financial XXXX XXXX for the past 5months. They have been calling my cell phone, my job, and my friends cell phone multiple times a week. I have asked for them to send me the loan agreement of what owe and my payments and I will match with my bank statement to see if what they said I owe is what I actually owe. I have asked on numerous occasions to send me the loan agreement and what payments Ive made to my email and we can go from there with the payment. I was told I couldnt get those documents sent to me and No real reason to why. So I said stop calling me because I dont owe you all anything from my bank statements I paid off my loan. The last straw was today when they called my job threatening to take me to court, garnish my check and serve me court papers at my job. This is nothing but harassment when I asked them to send my documents of what I owe and the will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$180.00}
Product: Credit card

The payment transcribed to their system incorrectly. The rep saw the correct payment on file and saw that it processed incorrectly in their system but would not return or reverse the fees. I spoke with 6 reps about this and no one even after finding the discrepancy would assist with the fees reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my first car in 2019 after the fact I had some issues with them pulling my credit using my social security number and I had to have my dad cosign. A few months after I got a call from a lady who thought I was using her credit as fraud. That however was not the case my social and her social are one digit off our birthdays are about two weeks apart born the same year and both of our names are identical other than middle names, so I believe we have a file mix up. After multiple failed attempts to contact all the credit bureaus to get access to my credit report I could not access because the information is combined. I was informed by the bureaus to mail in a letter with an explanation on the issues and a copy of my social and id. I did that and only got two bureaus to respond and all they sent me were my credit reports which showed me that the social on my accounts was not mine, but it was my name it also had the other lady 's name on my credit report the addresses were also mixed up. I have multiple debts on my credit report that are NOT mine there is also multiple applications for things I have never applied for. It also shows student loan and a home mortgage it is a complete mess and as I said above, I have been in contact to all the bureaus and none of them have offered any assistance on helping get the files separated I do not have access to any online credit reports to even go dispute things because I can't verify information that's connected to my social because it's the other womans information. I am very upset that the bureaus have not taken this issue more seriously I can not get approved for anything I apply for I can't own a home or even get a student loan if I wanted to this issue needs to be resolved asap, I have tried multiple attempts to fix the issue myself and have just been sent in circles.
Product: Mortgage

The mortgage company BSI financial is saying we havent paid our mortgage in over a year, messing with our credit and our lives. We have proof of payments, and we have continuously tried to contact them and change it but they keep messing it up.
Product: Mortgage

This is a payoff I'm requesting a 1099-C form. This mortgage account is not a debt and at a {$0.00} balance. Please remove from all Credit reports XXXX ( remove ) XXXX ( remove ) XXXX ( remove ) Also, Rights Violated Under Fair Credit Reporting Act 15USC-1681b section 602A State I have a right to privacy Rights also violated under 15USC-1681A section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. Please Remove Asap.
Product: Debt collection

On Monday XX/XX/2023 at XXXX I began to receive repeated text messages from multiple numbers. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. 12 text messages in total! The texts read XXXX A notice from Wakefield and Associates, a debt collector. Password is 5 digit zip code. Reply HELP for info or STOP to end. 
I have been instructed to never reply to these type messages as this only provides them with notification to continue the harassment. 
I have NOT received any type of notification from Wakefield and Associates identifying any creditors who I am supposed to owe. I have no ideal what this is all about. 
I have printed the messages and forwarded them to my attorney to see what legal action to pursue against this business.
Product: Credit card

I ordered a supercharger from XXXX in XXXX of XXXX XXXX, I contacted XXXX  on XX/XX/XXXX explained the item they sold me wouldn't work due to they sold me the wrong item. The seller stated I have two options I can be hit for 30 % restocking fee as stated in his email or a store credited. This item was charged on SYNCHRONY CAR CARE ending in ( ... XXXX ). I contacted them to dispute the charge based on me being sold the incorrect item. They declined my dispute and refusing to charge back the company the charge minus the 30 % restocking fee even though I provide them proof the company would. I returned the items back to the seller in XX/XX/XXXX on tracking XXXX less than 30 days of receiving the product. I no longer have any other the items I'm being charged for in over 4 months but being charged for it. 

The merchant stated I had a store credit to use in the amount of {$7200.00} XX/XX/XXXX. He did not provide an expiration date when I had to use the store credit. I contacted the merchant on XX/XX/XXXX and XXXX, XXXX asking to us my store credit. The merchant has yet to respond to me. I contact the credit card company SYNCHRONY CAR CARE ending in ( ... XXXX ) on XX/XX/XXXX and XX/XX/XXXX to dispute the charges since the merchants isn't responding for help. They acknowledged my dispute however they never responded to my dispute advising of the out come instead they closed it out without any explanation. I know they are required to send me a letter adivising me of the out come of the dispute which they haven't since I provided new information regarding my dispute. 


I attempted to work with the merchant as they suggested I sent two emails and a certified letter on XX/XX/XXXX on USPS Tracking # XXXX. The merchant has yet to respond to me.
Product: Money transfer, virtual currency, or money service

I am unable to use XXXX to transfer money to others. When I click on " Pay '' in XXXX and then select my PNC Bank account it says " PNC has made change that prevents you from being able to link your accounts ''. I did call PNC and they couldn't fix it. They said the issue is due to XXXX  but everything looks clear from my XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX regarding issues related to the reporting of my information to credit bureaus, specifically Experian and XXXX. 

I am an account holder with XXXX XXXX XXXX. I have encountered significant problems resulting from what I believe to be inaccurate reporting, particularly in relation to a XXXX charge. This situation has caused considerable distress as it is hindering my ability to apply for credit. For example, when attempting to secure a vehicle loan, I was informed that I needed an excessive {$12000.00} down payment. 

Despite my efforts to seek clarification and resolution through communication, specifically via an email sent on XX/XX/XXXX, and XX/XX/XXXX I have not received any response from XXXX XXXX XXXX. The lack of communication has exacerbated my emotional distress and financial difficulties. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe XXXX XXXX XXXX 's actions XXXX be in violation of consumer protection regulations, including those outlined in the XXXX Privacy Act. I request the XXXX 's intervention in investigating and rectifying the inaccuracies impacting my credit report. 



I appreciate your prompt attention to this matter and request that the Consumer Financial Protection Bureau investigates this complaint thoroughly. I am hopeful for a resolution that ensures the accurate reporting of my credit information and the restoration of my financial standing also XXXX said XXXX are the the only XXXX that keep reporting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several closed accounts on my XXXX, Equifax, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also Equifax, XXXX, and XXXX   are reporting unverified information on my reports.
Product: Credit card or prepaid card

This card was solely for auto repairs, or anything auto related so the last time I used it was last year. I used it this year to get my oil changed. Then I got on the app and paid it off in 3 different installments in the same week. I did not realize that the bank information that was linked was outdated as I thought I had updated it. So, when making the payments as I did in that short time, a payment came back as not being paid. I contacted them on XX/XX/XXXX and the rep let me know what had happened. So, I had the rep help me on the website to update my bank info and she did. I apologized as I did not know that it wasn't updated. I let her know that there were 2 more payments that were going to come back like that, and she stated just to wait until they come back before making the payment again now that the info was updated. She stated that it would be fine. On XX/XX/XXXX my account was closed. I called them back up to find out why and they said it was because payments were not received. Even though I spoke with this rep and she stated it would be fine and to just wait for the others to come back, they closed my account. I have never been late, never had an outstanding balance and they stated once it is closed there was nothing for them to look into. So, i just want to file a complaint against them for not having the rep take notes on the situation or reach out to anyone to let them know the situation at hand. Instead, just closing the account and having it affect my credit for no reason.