23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

PAY FOR DELETE REQUEST Date : XX/XX/2023 Account Number : XXXX Amount Listed : {$400.00} Dear Global Lending Services, I, XXXX XXXX XXXX am writing to offer your credit department a one-time offer to settle the alleged amount due for {$200.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed, I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 

If the items mentioned above can be met, I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 
Feel free to contact me through one of the following : E-Mail : XXXX Phone : XXXX Sincerely, XXXX XXXX
Product: Debt collection

Lost 99 % of the money in my account that is needed to live and pay bills, to repay the debt from the judgement. Never got a summons to court or notification of being sued. Called attorney but attorney never responded back.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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

XX/XX/2022, Experian please fix the information your are reporting on your webite. The website states that account XXXX XXXX XXXX XXXX  is [ Potentially Negative ] is red letters. I HAVE NEVER BEEN LATE ON THIS ACCOUNT. Please remove the " Potentially negative '' remarks. Thank you for your service.
Product: Credit card

I was notified on XX/XX/year> of fraud on my Citi bank card was charged for air fair and restaurants was given credit on 3 but not on oneXXXXXXXX XXXX XXXXXXXX told them I did not purchase.I have called 15 to 20 times and was told I would be given credit. Please help me
Product: Credit reporting or other personal consumer reports

ON or around about XXXX of XXXX I began to reach out to the company with a complaint about inaccurate information and Disputes, I got back confusion. I had been a victim of identity theft since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX  ID : XXXX Dear Creditor : ***The account appearing on my credit report does not belong to me and was not opened by me. Original Creditor debt was removed from credit bureau reports during prior investiations. *** Per California State XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act I am requesting evidence of the following : 1. A copy of the contract and/or other document/agreement related to original debt.

2. A copy of the contract and/or document evidence of debt agreement.

3. A copy of ALL original debt documents with indicated social security number used to open account.

I did not open the above referenced account. This account was previously disputed with the original creditor and credit bureau XXXX XXXX due to fraud on Report No. ______. XXXX and XXXX deleted the item from my credit report after its investigation. 

The original debt account did not reflect my actual social security number, but instead a variation of my social security number opened by someone other than myself. 

I request that documentation as requested be sent to the address below. I also I request that all XXXX debt entries be removed from my XXXX, XXXX, and TransUnion credit reports as this debt was not initiated nor belongs to me per Fair Credit Reporting Act/California Consumer Credit Reporting Agencies Act . 

KD cc : XXXX, XXXX, TransUnion
Product: Debt collection

On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have last my Wallet and someone hacked my social Security. Used my social security number online
Product: Mortgage

Due to impacts from COVID19 I took advantage of a forbearance opportunity with my primary home mortgage company : Amerihome. I have been trying to get off of forebearance for a month now, so the mortgage can be refinanced through a different provider. Amerihome has delayed providing me the necessary support to accomplish this ask resulting in multiple follow-up phone calls to them daily and sometimes twice daily. There is no opportunity to address my concerns with a supervisor unless I wait 48 hours. Representatives promise actions and fail to take them. Most recently Ms XXXX ID # XXXX explicitly statued that she would submit a request for a deferral on my unpaid ( forbearance ) balance - I was promised a phone call with confirmation - which was not received. called back today and spoke to another women who confirmed the Deferment as never submitted by Ms. XXXX - thus loosing another 2 days in my attempt to move forward with re-fi. I am at risk now of losing my locked rate because it has been over 10 days and to date I have not been able to obtain a letter from Amerihome that indicates my forbearance is over. If rates go up, this could mean thousands of dollars to me and my family. Please call me to discuss XXXX XXXX XXXX
Product: Debt collection

I would like validation of this debt. I do not owe XXXX any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

MCM # : XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. 
Original Account # : XXXX I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Product: Credit card or prepaid card

It has been almost 4 months since I submitted my complaint numbered XXXX to the CFPB on XX/XX/XXXX, I still have not received my refund of {$25.00} from Capital One. 

As I stated in my submitted complaint, I closed or ceased all of my Capital One related accounts on XX/XX/XXXX and paid {$25.00} more to my Quicksilver Credit Card of XX/XX/XXXX Payment Due Date on XX/XX/XXXX. Therefore I expect Capital One to refund {$25.00} back to me by mail. I still have not received my {$25.00} refund by mail until today of XX/XX/XXXX XXXX
Product: Debt collection

I'm filing a second complaint because the first one my debt had to be validated within 30 days I sent the CFPB pictures of them receiving the letter on XX/XX/XXXX and them sending me back a letter dated XX/XX/XXXX. For some reason tsi systems wrote back that they validated my debt on XX/XX/XXXX and the cfpb did not look at the pictures accepted the response and closed the case. I want a civil penalty for their practices. And they lied to the CFPB on top of it. Just for some reason the CFPB doesn't look at their cases I guess.
Product: Credit reporting or other personal consumer reports

My student loans are showing up duplicated on my credit report. I took out an approximately XXXX loan to pay for law school at University of Michigan, graduating in XXXX. I began payments in XX/XX/XXXX when the freeze ended. Sometime in XX/XX/XXXX, my loans were transferred from XXXX to XXXX. My loans then began appearing duplicate in XX/XX/XXXX. I now have approximately XXXX remaining on my XXXX  balance, which is correctly showing up, but there is also a XXXX balance incorrectly showing up for XXXX on my credit report. 

I called XXXX and XXXX on XX/XX/XXXX, complaining of the issue. Each company blames the other, but all agree I do not owe the additional XXXX loan. I have now filed XXXX disputes with Experian, all of which have been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX ). I have received emails from XXXX and XXXX confirming that I do not owe this duplicate balance which I can send along. I thought XXXX had resolved, but I spoke again with a representative who disclaimed responsibility. Experian tells me XXXX  is responsible. All parties agree this reporting of the XXXX loan is in error, but XXXX and XXXX refuse to take responsibility for correctly reporting that balance as closed to Experian. 

I can attach documents but the attach window coding is currently not working on the website.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to remove PMI from my payments, since my home value has increased way over the amount to meet the LTV requirements. I was in the middle of this process with a previous lender ( XXXX ) but during that, my loan moved to another company ( Freedom Mortgage ). I have provided the current, official tax apraisal that was done recently by XXXX county which increased the valeu of the home from XXXX to XXXX. 

I waited a few months since my last complain here and contacted them, now they are saying that my LVT is not met, even that in their own report they are listing my property at XXXX USD but apparently for PMI removal they are only considering the XXXX value. 

I also have received a few letters from them offering me to get money out of my loan, since my property value has increased, but they are also not considering that. 

I sincerely do not know what to do next since the seasoning is definitely over ( more than 24 months ) and my LTV right now should be about 60 % and not 81 %, basically dividing XXXX / XXXX and not XXXX / XXXX. 

I am attaching their last response which clearly states the value of my property ( as is ) as XXXX. 

I did also speak to a loan advisor at Freedom Mortgage and he agreed that the letter was wrong since they should be calculating the LVT against XXXX and not XXXX, however he was not able to change anything since it was a different department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes experian is not giving me a fair credit report dealing with my score. I know my credit score should be much higher than they are reporting. I ask for a fair credit score and to fix that report on there with XXXX XXXX XXXX I told them if they can't provide my I.P address it need to be removed immediately haven't nothing been done and my credit score with them is not right and I deserve a fair credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter asking for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute and for them To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information they have received from creditor for their investigation of my dispute. i have not received it
Product: Credit reporting or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX 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, provide proof, and 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
Product: Checking or savings account

I am writing to file a against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds with transactions where authorized. I was charged fees do to lagged posting of charges and credits.Thus issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balanced : {$3300.00} XXXX XXXX Balanced : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I studied at XXXX, FL XXXX XXXX for XXXX XXXX XXXX Degree. My private loans through XXXX trying to force me to make a XXXX time payment of {$78000.00} and they would wipe out the interest of {$35000.00}. or the other option was to make a XXXX time payment of {$62000.00} or XXXX months payments of {$10000.00}. I asked the women that was on the phone time after time that there has to be other payment plans that are lower and would work for me but she stated that those XXXX options were all that they have to offer. 

My Grandmother also took out a private loan to help me finish my schooling and XXXX XXXX they had her got a loan through XXXX totaling at the moment {$18000.00} and is trying to force my grandmother whom lives in a home to pay the total in XXXX lump sum, instead of working with me so that I can pay it off for her in small amounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The 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'm now requesting you investigate this account and update this payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that XXXX XXXX XXXX XXXX ran an unauthorized report on me on XX/XX/XXXX. I mailed a certified letter to the above mentioned company, and requested that they remove the inquiry placed on my credit report by there company. I did not authorize such inquiry. They did not have permissible purpose to pull my credit report hence invaded my rights to privacy.
On XX/XX/XXXX, I received a letter from the above mentioned company stating " No action will be taken to remove the inquiry ''.
Product: Prepaid card

On XX/XX/2023, I received an unsolicited US Bank Non-Payroll Focus Debit Visa card in the mail. I don't know what it is for and don't want to activate it, since it might be fraud. But I can't talk to a US Bank Customer Service person unless I activate the card. I'm concerned that someone has opened an account in my name.
Product: Student loan

On XX/XX/2022, the trustee on my bankruptcy case was sent {$68000.00} in order to pay my way out of bankruptcy BY LAW, which included my student loans. There was no other way to get out of my bankruptcy ( other than paying the monthly fee for the allotted amount of time I was ordered to be in the bankruptcy ). 

I have received no phone calls, no emails, and no letter correspondence saying I still owe money ( because it was supposed to be paid off ), and I had NO idea I was back in repayment. Navient has now reported a missed payment on my credit report, and theyre saying I owe {$3100.00}. Again, this is not possible because I PAID OFF MY BANKRUPTCY.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Why is this account being reported with 3 consecutive incorrect dates of last activity. The account also has no data for the first 60 days of 2019. Delete account for inaccurate reporting.

Once you have finished my request, please send me an updated credit report reflecting my request.
Product: Mortgage

My mother passed away and I have given Fay Servicing the certified Letters of Testamentary and Court order which says I am the personal representative. I just received a copy of a letter from Fay Servicing which states they are not accepting me as the personal representative. I brought this property out of foreclosure and Fay Servicing did not want to accept my payment and I had to go to court in order to get help. They will not provide a history of my mothers mortgage payments and said in court she had not made a payment in 8 years, but she received a XXXX for interest which disproves what they had said. They refuse to provide me with any information and I have sent them paperwork numerous times and they keep asking for it again.