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

Subject : Request for Removal of Late Payment from Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter concerning a late payment on account number XXXX from XXXX XXXX XXXXXXXX that is currently appearing on my consumer credit report. Based on my understanding of the law, as stated in 15 U.S. Code 1681a - Definitions ; rules of construction, I believe that this late payment should be removed from my credit report.

According to the aforementioned section of the U.S. Code, the term " consumer report '' does not include a report that contains information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ) and subject to section 1681s3 of the same title. As such, I contend that the inclusion of this late payment on my consumer report violates the exclusion outlined in the law.

I kindly request that you review my account and remove the late payment from my credit report in accordance with the aforementioned legal provision. As the late payment falls within the category of a transaction or experience between myself and XXXX XXXX  XXXX, I believe it should not be considered part of my consumer report. 
I understand that accurate reporting of credit information is vital for maintaining the integrity of credit reports and ensuring fair assessments of consumers ' creditworthiness. I trust that Transunion, as a responsible and reputable financial institution, shares these principles and will take appropriate action to address this matter. 
I kindly request that you provide written confirmation of the removal of the late payment from my consumer report within [ 30 days ] of receiving this letter. Additionally, I would appreciate your assistance in ensuring that any necessary updates are made to the credit reporting agencies to reflect this change accurately. I am documenting this notice as evidence that I brought this to your companies attention just incase I have to sue in court for violations that is being committed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I am in the middle of a loan modification. My loan servicer asked me to send in a cashiers check for {$200.00} to cover the cost of the appraisal. The letter states " to send {$200.00} within 14 days of this letter ''. The letter was written XX/XX/2016 I did not receive the letter until just prior to the 14 day period. I contacted the servicer and was told it must be mailed within 14 days not received. I then mailed the certified funds immediately. The loan servicer then cashed the check, kept the funds and denied my appraisal since they did not receive the funds within 14 days, not what the letter said. Now they want me to refile and send another {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Midland Credit sent all of my information via overnight mail to a lady in XXXX XXXX. The information that was sent contained all of my private information including my social security number. I learned of this because the person who received all of my information called me in XXXX to let me know about the incident. I just reviewed that voicemail today and learned that all my information was sent to her. I don't know who else has my information as they already sent it to one random person without my consent. They did not contact the address to find me and confirmed I lived there. They just sent my information with everything that an identity thief would need to ruin someone's financial future. I want to see if this is something that is common or not because I feel like my financial privacy has been violated without consent.
Product: Checking or savings account

Someone tried to opne a checking account with XXXX XXXX XXXX. Then they tried to use Zelle to take money. XXXX called me and that was stopped. Then Zelle automatically went to my XXXX account. That was stopped and Zelle automaticall went to my XXXX XXXX account. Zelle has deducted {$3500.00} from my acounts ( the fraud department ) and assures me that the money will be returned. The money taken from XXXX on Thursday and Fridaqy of last week has not been reimbursed. Today Zelle took another {$2000.00}. 
I asked the agent why they were draining my accounts and was told not to worry.

First of all, Zelle should not automatically go from one back to the next without my authorization. When Zelle tries to remedy this they should not be taking thousands of dollars until they can figure out how to fix to problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to remove 2 items from my credit report from XXXX XXXX XXXX even though I have contacted them that thismedical debt has been paid to the original source. This is a blatant violation of my rights under the FCRA and I am asking for action tobe immediately taken against Equifax by the CFPB as this is intentional violation of my rights. 
Sedondarily, I have seen in mutliple publications that there is to no longer be anymedical collections under {$500.00}. Both of these are under. I tried to address this directly with Equifax, but they ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.
Product: Credit reporting or other personal consumer reports

I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union did re-insertion of derogatory items!

Trans Union was supposed to send financial compensation for that!

Financial compensation should have arrived by now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.
Product: Debt collection

Company sent me a collection letter mid XXXX XXXX, 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. The call somehow disconnected and I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. I 'm asking for proof of validation obtaining my signature that I owe Northland Group not whomever this debt was purchased from. I have had fraud alerts, etc yet somehow account after account keep being opened in my name but with the wrong social. validate this account or stop collection and consumer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Student loan

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 : My academic records and personally identifiable information ( PII ). 

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

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.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX, Equifax, & XXXX, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within XXXX business days of receiving this complaint. 
XXXX Accounts to be Removed : * XXXX XXXX XXXX account number XXXX, westlake XXXX XXXX account number XXXX. 
The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiatemy claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, Equifax won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.
Product: Credit card or prepaid card

This bank was very rude to me when applying for a credit Card their system said it was pending I have a fraud alert on my credit report I called them to inform them they were rude to me it sounded as if someone was in their house watching a kid slot of baby noises and I got declined thats same night I got an email I called them the next day to ask them why and the reason I received didnt make sense I asked if they can reconsider since their is nothing wrong with my credit it was their system decline I contacted XXXX and they said they dont make decisions to approve an application its up to the creditor but when I called with this stupid reason they provided they refused to help me their email just states too many Bankcard accounts opened in 24 months I just become a us citizen and have begun building my credit with those new accounts I asked them if they had a reconsideration. Or underwriter department they said no and I asked so when will this reason stop being used against me refused to answer my questions and concerns horrible bank
Product: Mortgage

I have a home loan with New rez mortgage company and since the beginning I chose to have an escrow account so the company would pay my taxes and home insurance and I thought my taxes were paid on time.i always paid the monthly bill on time.on day I get a check from the company and I called them what is the check for and they  told you just been overpaying.when I get my XXXX statement my payment was lower then usual and I called them again and they told that the bill its lower because we are not responsible for paying your taxes.they removed the taxes from the escrow account without my permission and didn't not let me know.now my sumer taxes didn't get paid since XXXX and they told me that when I called on XXXX.i keep sending emails about resolving the situation and keep calling them to fix this.at the  end of XXXX are my sumer taxes due and the winter taxes too.i told them am gon na pay my taxes myself but I want reimbursement for everything that did and answers why, when, who did take off the taxes from my escrow account?! I called a week ago they told me it's my fault that now they have to pay interest on late taxes.i cant deal with this company anymore.i told them I don't want them to pay my taxes anymore I want reimbursement for everything they did without permission and notice and answers.their supervisors are so rude, the lady supervisor told me we had intention to pay the taxes and then we didn't pay and it's you fault for that.this is causing me stress and frustration.i have all the emails I sent to them, statements.i need this to be resolved.i don't trust them anymore
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was owned by my late husband, XXXX XXXX XXXX and me until XX/XX/year>. The company ceased operations and liquidating filings were submitted. Four corporate credit cards were either settled or closed since then. XXXX XXXX was dismissed in a judgement ( attached ), XXXX XXXX had two that were paid out of a settlement, and XXXX XXXX  wrote off the balance and closed. All were used for corporate purchase. 

I am requesting that this delinquent payment reference be removed from my personal credit data.
Product: Debt collection

Halsted Financial keeps contacting about debt that was from XXXX  XXXX XXXX  for {$690.00} and {$1300.00} this is a 3 rd party that I never heard of or gave my written consent on anything. This violates my consumer rights and is illegal per consumer laws.Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to ensure that any information reported to credit bureaus is accurate, complete, and verifiable. I must point out that, under federal law, it is illegal to attempt to collect a debt that has been sold to a third party and for which I am no longer responsible. This constitutes a violation of my rights as a consumer.
Product: Student loan

I filed a borrower defense claim in XXXX with the US Department if Education. In XXXX of XXXX, I was approved for full relief and to be completed within 180 days of that notice. The balance is still showing by the loan service Aidvantage. Aidvantage has told me that the Dept. Of Education hasnt forwarded them documentation stating the relief was approved. The Dep. of education says otherwise. They say theyve forwarded that relief, but cant provide me with a date to narrow it down. Repeat attempts to get information and/or resolve this issue have gone nowhere with both Aidvantage & the US Dept of Education . I need help as it seems no one can help on either side. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.
Product: Credit reporting or other personal consumer reports

I do not have a contract with any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

my information was leaked in a data breach with equifax and if someone did make purchases on my open accounts i want them removed and inaccurate payments filed.
Product: Bank account or service

The branch manager at Bank of America in XXXX XXXX is in desperate need of XXXX followed by retraining as to her obligations as a manager, fiduciary representative and customer service provider. XXXX the branch manager not only lacks basic mediation skills that are required of such a position but also the knowledge to adequately perform her duties. She was rude, uncouthed and seemed to be uneducated in basic fiduciary duties. A seemingly simple transaction turned into a 5 day hassle with XXXX roundtrip visits to the actual branch and 3+ hours additionally in telephone transactions. In all of this may i add she never bothered to return a single phone call or respond to the XXXX meshes i left her. In the end, my actions on good faith were of no consequence causing only frustration, financial expense, a XXXX hold of my funds AND she got a new account out of me! The attempt to validate my less than satisfactory experience with Bank of America on XXXX XXXX, XXXX XXXX, CA. left me only MORE disgruntled. These people obviously care less than an iota for the people they claim they aim to serve.
Product: Payday loan

We have received an email from Castle payday threatening us with VIOLATION OF FEDERAL BANKING REGULATION, COLLATERAL CHECK FRAUD and THEFT BY DECEPTION for a supposed loan of {$400.00} - no date of the loan is given. They claim we owe {$1200.00} due to the 469.29 % interest they charge. We DID take out a payday loan back in XXXX 2012 for {$700.00}. It took us almost a year but we paid it off and have the final payment email to prove it. It was the worst thing we could 've ever done because they rob you blind in interest charges. Obviously, they continue to try and rip you off by making threats of " we reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. '' No phone # is given to call them ; only to email them right away if you want to make a payment and stop these legal proceedings.
Product: Debt collection

THE XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT WITH TEK-COLLECT ARE FRADULENT ACCCOUNTS, I HAVE NEVER DONE BUSINESS WITH XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAVE THESE XXXX ACCOUNTS WITH TEK COLLECT REMOVED OFF MY FILE. SEE ATTACHED FTC AFFIDAVIT
Product: Credit reporting or other personal consumer reports

It seems that once again my credit file has been compromised. Upon reviewing my records, I've discovered numerous entries that aren't mine. Given my attention to detail, I've learned that according to section 605b of the FCRA, it's mandated by law to eliminate any fraudulent items resulting from identity theft. The disputed items clearly do not pertain to me. I've enclosed the necessary FTC Report for your reference, along with the bank 's records. Kindly proceed with removing these erroneous entries. 
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, credit repair services, or other personal consumer reports

Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.
Product: Credit reporting or other personal consumer reports

This account is being reported as a closed account but it is reporting information that only applies to an open account. I have disputed this account but this company keeps verifying this inaccurate information.