23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir or Madam .... Back in XXXX I Take a HELOC from XXXX XXXX XXXX for {$110000.00} against my property.I was paying my regular monthly payments as agreed.In XXXX XXXX file a bankruptcy and they went out of business.My HELOC account transferred to XXXX XXXX XXXX.I keep continue to paying my payments on a first loan and HELOC till XX/XX/XXXX.At the beginning of months XX/XX/XXXX I was having financial hardship and I decide to do a loan modification as many Americans do, for First loan owned by XXXX and HELOC with XXXX XXXX   XXXX.I contacted the local mortgage company named XXXX XXXX In XXXX XXXX Ca.They 're were negotiating with first and HELOC.Finally we received loan modification package from XXXX.I agreed with terms and payments, signed and returned to XXXX..About My second mortgage with XXXX XXXX XXXX, loan officer from XXXX XXXX told Me that we waiting for Heloc Forgiveness letter from XXXX  XXXX XXXX.AT the time many homeowners receive letters from XXXX XXXX   XXXX.And i was waiting for mine. 
Since XX/XX/XXXX I don't receive any call or mortgage bill from XXXX XXXX XXXX.In XX/XX/XXXX I was checking my credit report to buy a car.Then i find out there is a company called Real Time Resolution reporting LATE on my credit report for almost 5 and half years.I contact them.They explained me, that I Owe them almost {$150.00} ( and rising {$1200.00} a month ) .for my HELOC.I find out that My heloc has been transferred from XXXX  XXXX XXXX , without notifying Me, to XXXX XXXX XXXX  XXXX  XXXX and they transferred to Real Time Resolution as a debt collector.I consider this as a unethical relationship between XXXX XXXX XXXX and its customers.Please help.
Product: Debt collection

I have been making regular monthly payments, as negotiated for with Portfolio Recovery Associates, on an account that went into collections. They have continually ( monthly for years ) been reporting me as a failed payment on my credit report/history despite the regular payments. I previously filed a dispute on my report and nothing has changed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX  acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to XXXX XXXX. XXXX ; XXXX ) et seq. 


Name of Account Type of Item Account Number GM Financial Auto LoanXXXX Charge-Off XXXX Inaccuracies 1. Showing a past due amount on a collection/charged-off account 2. Account is reporting with XXXX different balances of high credit. 
3. Account is reporting with XXXX different dates of last activity. 
4. Account is reporting XXXX different dates of last payment. 

If this is the same account being reported by the same creditor, why are these dates/amounts different? As you know, all must be the same. 


Action To Rectify DELETE the account immediately FCRA non-compliance of inaccurate data furnished on my credit report. 

Please do not update or verify this information again without doing a due diligence investigation. 
Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 


I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( XXXX ) day window so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report upon finishing my request. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Attached : XXXX XXXXeport
Product: Credit reporting, credit repair services, or other personal consumer reports

Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I have no power over them to require removal of these.I need your help!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

This is my 6th 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 an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$490.00} ; XXXX XXXXXXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

I recently received letters from LexisNexis, XXXX, XXXX, XXXX and XXXX stating my dispute was verified or accurate. The following account ; XXXX Florida XXXX XXXX Bankruptcy # XXXX is still listed in credit reports unverified and without my permission. This is fraudulent placing items on a persons credit report from third-party hearsay! Pursuit to sections XXXX ; I did not provide permission to the XXXX, the XXXX, the XXXX, XXXX, LexisNexis or anyone to place this account on my credit report. There is no Law stating this account must report on my credit file at all. The XXXX stated they did not verify this public record with any credit bureau. The law states this account must be reported by the original account holder and not a third party. It must be removed immediately if the verification did not come from the XXXX!
Product: Payday loan, title loan, or personal loan

During a phone call around XXXX on XX/XX/XXXX to One Main Financial to update payment information, a rep XXXX from the company answered the phone heard my initial call and immediately divulged my FULL NAME AND BANK ACCOUNT INFORMATION. This is extremely disturbing when I just experienced our bank account being compromised the week prior. I am upset and feel like my rights have been violated. I want to make a legal complaint and have that person terminated or go into a training of some sort regarding consumer protection and confidentiality. This is unacceptable and I do not trust this company with my information or for any other individual. I will also make a complaint on the XXXX  website. I need to know what I need to do moving forward to resolve this issue. I do not want this log as a complaint then it goes away and nothing is done. Please contact me and let me know how the matter is going to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid to XXXX balence with XXXX XXXX XXXX XXXXXXXX 's. I am uploading correspondence on this from XXXX. Experian had previously deleted this account as well, yet added it back, which is also a violation. 


Experian needs to remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB wrote a regulation in accordance with the law under the FDCPA to prevent debt collectors from communicating with consumers through any medium. XXXX XXXX XXXX ( XXXX ) violates that provision. 12 CFR 1006.2 ( d ). Suppose the 3 XXXX  and XXXX  does not delete the extension of credit from my consumer reports. In that case, it will be treated as a Racketeering Activity. XXXX is harming my reputation to extort me into repaying an extension of credit. 
I entered into this credit transaction without being fully informed about its provisions and how it would be used to extort me. 

Please see attached evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WESTLAKEFIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting erroneous collections on my credit file. I have been checking on my credit and noticed that Express Recovery is reporting paid collections. When I first settled these collections they assured me that the account would be removed. However, it's been over 4 months and they are still reporting. Not only that, these accounts are all medical bills! I never signed a HIPPA patient release form allowing them to report on my credit file. This is a HIPPA violation and must be removed from my credit immediately. The debt is no longer owed & you are in violation.
Product: Student loan

I've seen no changes for the accounts that I have filed last month, I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, XXXX, XXXX, Lexis Nexis and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed somethings that is not reporting accurately. I've had late payments that were in fact paid on time. Consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investig with records showing i have late payments and provide verifiable proof. If this information can not be verified I demand these payments to be updated to paid on time immediately! Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have been working to fix my credit and have disputed numerous inaccuracies on my credit report that are either incorrect or should no longer be reported. Despite submitting multiple dispute letters to Experian and filing disputes online, Experian has not conducted proper investigations or resolved the issues as required by law. 
1. Failure to Properly Investigate Disputes : Experian has repeatedly failed to conduct reasonable investigations into my disputes, as required by 15 USC 1681i ( 5 ). Instead of investigating thoroughly, they have either failed to respond appropriately or continued to report inaccurate information on my credit report.

2. Reinsertion of Errors : In some cases, errors that were previously removed have reappeared on my credit report, in violation of 15 USC 1681c ( c ). This has caused further harm to my credit and financial standing.

3. Failure to Ensure Accuracy : Experian has not fulfilled its duty under 15 USC 1681e ( b ) to maintain and report accurate information. The errors I have disputed have significantly impacted my ability to obtain credit, housing, and employment.

4. Negligent Handling by Furnishers : Experian has also failed to ensure that furnishers of information fulfill their obligations under 15 USC 1681s-2 to investigate and resolve disputes.

I recently learned about the CFPBs lawsuit against Experian, which details similar allegations of sham investigations, failure to properly investigate disputes, and reinsertion of errors into consumer credit reports. This pattern of neglect has affected me personally and has caused significant financial and emotional distress. 

Impact on Me : Experians actions have damaged my credit score, making it difficult to obtain credit, housing, and employment opportunities. The unresolved inaccuracies on my report have caused unnecessary stress and frustration as I attempt to rebuild my credit. 

Relief Requested : I am requesting that Experian : 1. Conduct a thorough investigation of all disputed inaccuracies on my credit report and promptly correct or delete inaccurate information.

2. Provide an explanation of why my disputes were not handled properly.

3. Take steps to ensure compliance with the FCRA to prevent future harm.

4. Include me in any relief programs or settlements related to the CFPB lawsuit against Experian.

I ask for the CFPBs assistance in ensuring Experian complies with its legal obligations under the FCRA.
Product: Student loan

Before I XXXX in XX/XX/2008 I co-signed my wife 's private student loan since I was employed and she was a student. I came home from XXXX totally and permanently XXXX. My only source of income is VA compensation and XXXX. My wife left me and got a divorce about a year after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a totally and permanently XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to totally and permanently XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.
Product: Credit card or prepaid card

My most recent call to this company was this morning XX/XX/XXXX ; I spoke with a representative by the name of XXXX and then proceeded to speak to a supervisor, XXXX who then transferred me to an account specialist who attempted to collect a debt I did not know I was late with the payment until the card statement arrived on yesterday XX/XX/XXXX. 
I was advised by the account specialist that I would need to make the payment in full of {$100.00} and then they would waive the late fee. I asked them if I could pay half which is past due and they said no. I advised them sometime in either XX/XX/XXXX or XX/XX/XXXX, I  was in fact late because I overlooked the bill. That late was waived and the representative I spoke to then advised me if I made a payment of {$48.00}, I believe, my account would be up to date and I would go back to the minimum of {$25.00} per month. I am incurring late fees every month even though I am making the payment. I advised the next representative in XX/XX/XXXX that the same thing is happening. She advised me she would waive the late fee and I asked her how much I needed to pay to bring current. She said {$25.00} and I advised her I would send {$30.00}. 
Now they are asking me to pay this {$100.00} before they will do anything and have sent my account to collections like I am some sort of criminal. This account was opened in XX/XX/XXXX as was advised by the rep I spoke to today. It has been 15 years since it was opened with a XXXX line of credit and I have maybe been late once. 
I advised him I intend to pay this balance off as the account is closed within the next year so I do not need to be drained of money with all of their fees and interest. 
As you can tell I am very upset and would like something done about this.
Product: Credit card or prepaid card

I was never given a Home Depot card! I talked to several agents about the situation with no luck of resolving the issue! I had to settle on a credit card that was never issued to me due to negative credit report effecting my credit!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, JPMCB ran my credit. I know what's on my credit report, as well as what accounts I have open. I don't check my credit at all since I am aware of its contents and what should not be there. I have attempted to resolve this issue, but I had to take matters into my own hands. Please see the attached FTC report.