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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

Made a transfer to XXXX account because I dont want to bank with empower bank anymore, i linked my empower account to XXXX and initiate a transfer of {$1000.00} and {$990.00} both was posted on XX/XX/XXXX and try to withdraw my money back to my another link account which is ( found ) but my transaction was declined saying I they have to verify my account which is empower, told them my empower account is closed but you can see my name on both accounts that it belongs to mine but they did not allow me to withdraw my funds holding on to it for weeks now they said I have to open the account back which is impossible
Product: Vehicle loan or lease

My family and I have made on time payments every single month. These payments which total to {$290.00} per month have not in any way affected our overall balance EXCEPT by {$63.00}! Out of {$580.00} only {$63.00} has been put towards the actual balance. With an original amount financed which proof is included in the photo of {$9500.00} out of {$580.00} our balance is {$9500.00}. I have attempted to talk to these people  Exeter Finance  and refuse to deal with the ignorant misleading and predatory lending company that this is. I have read NUMEROUS reviews on this company regarding the exact same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be 5 months with no response.
Product: Credit reporting or other personal consumer reports

Today I decided to review all my credit reports. In my review I discovered so many inaccuracies. I prepared a letter of an investigation for XXXX, XXXX and Equifax to conduct a proper investigation on each accounts listed within my letters. 

According to the FCRA all information reporting on my credit report must accurate and complete. There are plenty of inaccurate information. This type of action can cause me from growing my business and purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX CITIBANK NA/THD  Inquiry : XX/XX/XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a police report and filed complaint with consumer protecton XXXX and noby addreses my problem its about fraudlent inquirys on my credit report 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: Debt collection

Back in XX/XX/2020 XXXX XXXX put on my credit report that I owed them money of {$500.00} and account # XXXX. I then opened a dispute with XXXX  for them to obtain proof that XXXX XXXX XXXX is stating that I owe this money to them. I want to see proof that I signed any documents that they rendered any services to me. 

I then received a notices that the information was not verified and it was removed from my credit profile. The again in XX/XX/2020 XXXX XXXX listed this account with another collections agency. Again I disputed and it was removed from my credit profile. I then contacted XXXX  again 30 days ago and they came back as the debit was verified through their computer system not with anything with my signature on that the people rendered service to me. 

So once again XXXX XXXX has listed this debit with Paramount Recovery for {$500.00}, When I asked the credit to follow the credit law. I was advised by XXXX XXXX at XXXX  that it's not their responsibility to get proof that this debit is owed. I then told Mr. XXXX that the unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). 

After I told MrXXXX XXXX this information he told me good luck with having the information removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account numberXXXX are inaccurate in all 3 bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 credit bureaus.
Product: Student loan

My student loans were consolidated with AidVantage and they were placed into the XXXX XXXX program. My account was supposed to be assessed for a payment count adjustment. I have satisfied the contractual agreement of 20 years or XXXX payments ( I officially have XXXX payments on record ) in order to have any remaining loan balance discharged. A representative from AidVantage said she would submit a request for their back office to review my account and to contact them in one week ( by today XXXX XXXX ) if I didnt hear anything from them. I called them today and the agent who answered just kept repeating the same party line that we are not processing any loans due to the current lawsuits. So despite satisfying my side of the contractual agreement ( making XXXX payments ) AidVantage is no longer choosing to do their job for accounts like mine and are blaming their lack of due diligence on Congress and the Supreme Court. Those of us who did what we were told and applied for the XXXX program are now being used as political pawns in someone elses political game.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX, XXXX, and XXXX to buy a car. I put down {$500.00} on a XXXX XXXX XXXX. I was told my Apr would be 24 % with Global Lending. I didnt take possession of the vehicle until XX/XX/XXXX. When I got the car home the car wont crank. I called back the dealership and told them I would like to cancel my contract on the car because it wouldnt crank. They told me the financing manager wasnt in and he would call me back. I finally got the car to crank and took it to be checked and the transmission failed the test. I called back and was told they would get back to me they never did. Global lending reported the loan on my credit report at 27.6 % I was very confused and called to ask about this and was told I needed to contact the dealership. On XX/XX/XXXX the XXXX started losing power where the car would shut off. I called the dealership and was told that was how XXXX made the car and it was nothing they could do. I went through this problem the entire time. I was laid off and I spoke to my lender letting them know and also letting them know my loan was still reporting wrong and they told me I once again I needed to reach out to the dealership. XXXX told me they would pay my loan in full because my car was including in a engine recall. Global lending wouldnt even allow XXXX to look at the vehicle they harassed the dealership everyday about the car even though they were reporting a fraudulent loan and they never corrected it. I asked to be released from this loan as soon as I took possession of the car and I was given the runaround instead
Product: Mortgage

I have had a VA mortgage with Loandepot, a licensed CA company, since XX/XX/XXXX. I have an impound account with over $ XXXX in it, and pay {$1000.00} per month just in taxes. I have XXXX supplemental bills from the county assessor due XX/XX/XXXX, totaling over $ XXXX. Since XX/XX/XXXX, Loandepot has made repeated misrepresentations to me about the escrow account, the amount of property taxes they have paid and will pay ( they have paid {$2000.00} in XX/XX/XXXX and will pay another {$2000.00} in XX/XX/XXXX. ) They will not pay the supplemental tax bills, and they will not release the money in my escrow account to me so that I can pay the bills.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative item on my credit report. Specifically, this account : ( XXXX XXXX XXXX XXXX  ). I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. 

I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card

Identity and mail theft are HUGE issues in my area, and I have repeatedly contacted AmEx to ask that they remove me from ALL future mailings. I have done this by phone, on their website, through the general opt-out pre-screen site, for the last 2 years, and yet, they continue to send me 1-2 pre-approved offers from AmEx a week.

I am requesting CFPB to intervene, because I am at a point where I do not know what else to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX names on my file. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. The account on XXXX. & equifax just got 60 90 120 days & date closed wrong & last active & last payment no good payment history its hurting my score & re opening accounts are illegal & XXXXXXXX XXXX is showing i have no late payments but i have 90 & 60 days late different bureaus & account type doesnt show for one bureau dates last active are wrong. Please delete these accounts i dont want any problems with this please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Product: Debt collection

My mom and I had the same name for several years until she got married in 2013 where her name is now XXXX XXXX XXXX XXXX And I am XXXX XXXX. We live at two separate addresses. Pressler and pressler has been harassing me on a debt in my mom 's name this debt is from when she was still XXXX XXXX but I have always been and am still XXXX XXXX the short end of things is my mom owes the debt and because she used to live at my address for a few months because she almost died and had no where to go I let her stay with me. My mom is on social security and does not work. I work multiple jobs and they have garnished my bank account/checks. 
I paid one of the debts using my credit card for the amount of {$630.00} they had no right to go into my personal checking account I have informed them of her current address and the writ was remade with her address but still has it under XXXX XXXX so now my bank account was levied {$590.00} and {$120.00} in addition to what I said I would pay I arranged to pay {$150.00} every month on my credit card until the other debt of {$1500.00} something is paid. I do not want them harassing me or my mom and I definitely don't want them in my bank account. I would also like my money returned and feel like both I and my mother should be able to sue them for emotional distress and loses of wages as well as incorrect identity. Plus this debt was over 15 years old and the court renewed it makes no sense I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted Equifax more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarized letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed my report, which still has all inaccurate information my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This makes me give further verification to whom I apply for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and needs to be deleted : ( 6 addresses this completely inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX employment that needs to be deleted XXXX ; XXXX XXXX ; PHONE NUMBER ( XXXX ) XXXX Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX They have yet to provide me with proof of an investigation and any reporting documents that this is my debt and reporting accurately I have requested it by mail and phone
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report
. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the EXPERIAN inaccurate reporting of my XXXX XXXX  account on my credit report under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) specifically, 15 U.S.C. 1692c ( c ). Despite a deletion in XX/XX/year>, which I have attached, showing the account in good standing, your records continue to reflect late payments, and my credit score has not been updated accordingly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Issues requesting a refund for my student loan payments with Edfinancial. I called Edfinancial and requested a refund of my payments made after XX/XX/2020 which totaled to the amount of {$13000.00} about 3 weeks ago and I have still not received my refund. The Edfinancial website still shows that my loans are fully paid off and they have not reinstated the {$13000.00} balance that is eligible for a refund. 

I would like this balance restored as per President Biden 's student loan cancellation policy, this entire amount would be canceled. 

I attempted to call back to check on the status of my request but there seems to be no progress and no way to track whether or not they even submitted my request.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is being reported different and incorrected on al the credit bureau XXXX on XXXXXXXX  the above accout is beig reported as last active on XX/XX/XXXX and and of last payment on XX/XX/XXXX and experians its last active date is being report as XX/XX/XXXX and a last payment date on XX/XX/XXXXXXXX XXXX XXXX is reporting a last payment date on XX/XX/XXXX and a llast active date on XX/XX/XXXX and all the above is hurting my chances of getting a loan