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

I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple anxiety attacks because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.
Product: Debt collection

XXXX XXXX XXXX XXXX keep harassing me and my daughter about a old debt from XX/XX/2004that was charged off by XXXX XXXX prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I had a medical bill from XXXX. wakefield popped up on my credit reported I do n't know who Wakefield is I paid XXXX in XXXX, Ms ,
Product: Debt collection

I am hearing about lawyer XXXX out of XXXX Texas has been fraudulent about accusations. They dinged my XXXX XXXX like six times. And if they are in the right, I only went to the hospital like two times in 3 years. So how did they ding me more then twice?
Product: Vehicle loan or lease

XX/XX/year> I called Credit Acceptance finance company whom our vehicle is financed through to discuss changing the due date. I requested a due date change because of financial hardship and being XXXX. I was told that their company doesn't offer to change to due dates but could offer a promise to pay option but it comes with " late fees. '' I asked how could they charge late fees if they don't offer a change of due date for any circumstances? Still no assistance in making it more convenient to not absorb late fees and pay on time. To my understanding this practice can be adopted but its extremely rare. Ive never had a finance company tell me we couldn't switch our due dates due to circumstances arising. Ontop of that when we got the vehicle we were deceived into paying at least {$4000.00} more than the market value which caused us to be immediately upside down in our car loan out the gate. The dealership ( XXXX XXXX ) never fixed what needed to be repaired when asked in the midst of purchasing the vehicle. The salesman kept lying saying he had someone to repair only to keep being brushed off and time going by leaving us with that cost as well. They both assisted in this financial hardship of the car loan. It's one thing to make commission, it's another to take advantage of customers whom are ignorant to certain details.
Product: Mortgage

The lender failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender refuses to review this file for loss mitigation options stating the file has to be submitted 37 days prior to sale - We provided to the lender the last requested docs on XX/XX/2017 - the lender did not recognize the docs until XX/XX/2017 when we were advised that the file was being sent to underwriting on XX/XX/2017 for the review, As of today the lender advised that they did not get the requested docs in-time for the review. Which this is not accurate since all docs needed had been in there office since XX/XX/2017 - the sale date on this loan is set for XX/XX/2017 In addition we request that you suspend foreclosure during this complaint review in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting or other personal consumer reports

Over the course of several attempts, I have submitted all required documentation, diligently followed your guidelines, and cooperated fully in the hope of resolving this matter promptly. However, to my dismay, the bureaus have continued to dismiss my legitimate claims, leaving me in a state of vulnerability and uncertainty. Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. Account XXXX : XXXX XXXX. Please delete this account ASAP.
Product: Debt collection

On XX/XX/XXXX, a final decree of divorce was filed to finalize the divorce between my ex-spouse and I. On page 8 of this decree, it states I, the defendant, be held harmless of financial obligation of the XXXX XXXX. I cosigned an automobile loan for the XXXX XXXX on XX/XX/XXXX through Ally Financial for my ex-spouse. 

The financial obligation for the XXXX XXXX was neglected by my ex-spouse and was eventually repossessed from him. After repossession, Ally Financial determined a {$6500.00} balance remaining to be paid. 

I have spoken with Ally Financial on multiple occasions since the start of my ex-spouse neglecting loan responsibilities. I have also submitted documentation including a copy of my original decree of divorce to Ally Financial and the credit bureaus without any resolution. I have requested the repossession be removed from my credit report as well as the remaining balance of {$6500.00}, which is currently showing a charge-off balance of {$6500.00} on my credit report. With my most recent communication with Ally Financial, I was advised that the {$6500.00} remaining balance is still my responsibility and they will continue to act as so even with my diligence in updating my ex-spouse 's information for resolve, as this loan is no longer my financial responsibility. 

I have given up on communicating with Ally Financial, after being denied multiple times in my request ( s ) to stop mail, phone calls, continued attempt to collect a debt, etc. from coming to me. I have consistently and diligently called with updated information in my ex-spouse 's whereabouts in an attempt to point them in the right direction for any reconciliation in regards to this delinquent automobile loan. I have now filed two disputes with the credit bureaus since the initial repossession of the XXXX XXXX, also without any resolve. 

I have attached a copy of my decree of divorce as well as the most recent copy of my credit report obtained through XXXX on XX/XX/XXXX and the Investigation Results Summary letter from XXXX advising me that Ally Financial has verified and updated my account and they were unable to resolve the dispute regarding the XXXX XXXX auto loan. I have attempted to locate copies of letters that I have received from Ally Financial to collect in this debt, however, I was unsuccessful. I did not keep any copies for my records and I was unable to generate copies from their online portal. 

Please review my complaints and documents and let me know if there is any other information I can provide in assisting with resolving this ongoing adverse account dispute. If there is not anything that you can do, I would greatly appreciate any feedback that you may have in resolving this dispute. Any other ideas, avenues, or tips would be appreciated and welcomed! 

Thank you in advance for your time and diligence in this matter.
Product: Credit reporting or other personal consumer reports

The reporting of this accout is incorrect as i still see a balance after the charge off. Please explain why there is a past due balance of {$7500.00} when your company charged off the alleged debt on the report but it still shows a balance? I am pretty sure you know this is a violation. I demand the immediate removal of this accout to ensure that your agency is reporting full and only complete information on my account. I urge your agency to investigate this account, and ensure that correct, fair and complete reporting is given. I don't believe the status of the account is accurate either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis/Nexis issued an adverse action letter to XXXX XXXX who indicated that they could not offer me the lowest rates based on the letter. Not only is my credit impeccable, but I used to have a security clearance. I have tried for months to get a copy of the consumer report from LexisNexis to understand what information is in it. In my communications with the company there have been several inconsistencies. I noticed that there have been several similar complaints on the XXXX XXXX XXXX website. Is LexisNexis reputable..
Product: Credit reporting or other personal consumer reports

While living on their property, upon moving I was charged an amount that was not accurate to the agreed upon lease amount. When I attempted to pay the balance at the time the company stated that it had already been sent to collections and that the company would no longer take my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating " They do not report any bankruptcies to anybody. ''So if that is the case, how did the credit bureas edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States THE term " investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's charcter, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under USC 1681. According to USC 1681 section 602 A States I have the right to privacy. On or about XX/XX/2022 regarding report number XXXX the correspondance state that experian conducted a reinvestigation but failed to provide me the result of this alledged investigation when XXXX XXXX staes in thers correspondance that they are able to verify the information on the bankruptcy in attemted to get consent when I have the right to privacy under USC 1681 section 102a states I have the right to privacy in both experian and XXXX XXXX both continue to violat 15 USC 1681 section ( 3 ) ( e ) I am requesting that the cfpb hold them accountable for the violations that are continuing as of this date XXXX.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Data Breach, XXXX and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It XXXX Concern ], 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 XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( XXXX  ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) 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 : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, 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. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. XXXX discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. XXXX notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that XXXX have resulted from this breach.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are r
eporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX  some one been using my information fraudulently
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2600.00} XXXX XXXX XXXX Balance Owed {$1400.00}
Product: Debt collection

I placed an order with XXXX XXXX and never received the water. The charge was for {$170.00}. I never received the order, contacted XXXX XXXX but was never issued a credit so I disputed the charge on my credit card.The credit card resolved the dispute in my favor. Now XXXX XXXX has sent the charge to collections. 

XXXX XXXX had every opportunity to resolve the dispute with my credit card but never did. I do not owe them anything but they have sent me to a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it doesn't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we can't give you response and any documentation and this will stay on your report forever as long as they want and that's totally wrong honestly and I'm feeling now these companies they are violating my rights please help and no one above the law that's what I believed forever. please give me a written documents that my signature on it or delete this. Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all XXXX XXXX XXXX and Experian. XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} XXXX nor Experian failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX Experian could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX Experian could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. Experian & XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX XXXX XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX XXXX could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and Experian failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX XXXX XXXX XXXX  AND The following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC XXXX not mine