23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was a charge off and this makes like the third or fourth company XXXX XXXX has sold the account to for collection.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to update my address on my credit report. There should be one address on my credit report.
Product: Debt collection

I have been contacted by Berlin Wheeler regarding a debt for the XXXX Clinic. My current doctor is in that office. I have been contacted several times by phone. I have asked for validation of this debt. This has never been provided. I have an account with the Clinic and make monthly payments on the account to XXXX Clinic. I have told Berlin Wheeler that I will not pay them, also not to contact me by phone.
I have asked for verification several times, but have yet to receive it. The calls continue, nothing in writing has been provided. Also, if this is reported to my credit bureau, I will file suit against XXXX  Clinic and Berlin Wheeler for FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have more than 6 months trying to get validation of debt and i havent been provided with the results of validation of the debt. i submitted an ftc report and still no change. 
equifax XXXX XXXX  XXXX acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax dated XX/XX/2020 requesting for information that I have already submitted. I recently submitted a copy of my driver licence and social security card to try to correct incorrect information on my credit report. 

It appears Equifax doesn't keep accurate records and henceforth, the data breach which I am also a victim. 

I have a physical address of XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT XXXX and a XXXX XXXX XXXX, XXXX, UT XXXX. 

Equifax want me to submit a driver license with my P O Box address on it which doesn't make any sense
Product: Debt collection

This account was close Do to the bank scam, Midland has brought and using over 4000 robo calls and is on the Do Not call list, yet he claim he has a judgment, how that I never receive nothing, the latest more than a XXXX dollars because, I want to sue because not only does he call 4to 5 times a day, over 4000 calls now this fraud and violations of my civil right for due process, just because he brought a close account to make money. I was told because its been so long it will go away, I dont think so, this guy is wasting my minutes as it now cost me to call on my government calls program, the robo calls, the only way to stop this fraud is to sue, but I have no money for that ...
Product: Mortgage

In 2008 we found it was difficult to make our mortgage payment of XXXX, so we requested a loan modification. A trial mod was granted for 3 months which helped greatly. When my husband lost his job, the mod was rescinded because he was collecting unemployment. After contacting XXXX or more firms boasting to help obtain a loan modification for a few XXXX dollars we were advised to stop payments until the mod was approved..Of course it never was and the firm was no longer in existence.Now we were in foreclosure. After battling with the bank on occasions too numerous to recall we jumped through hoops to provide the proper documents to accelerate our application. Most times these were misplaced by the bank staff members and we had to resubmit repeatedly. After many meetings at the court house with the banks attorneys, we were still at square one..only now we owed the bank interest and penalties. As a last resort we attended a meeting in our state capitol with an agency to help people like us make some headway with our lenders.After four or five hours, we were told that we had been approved by our lender for a reduction of our interest rate previous to that day but were never notified. So now, after all is said and done, our rate dropped but our payment remains the same due to interest, penalties and late fees on the payments we were told not to make. Now we are underwater and although we are making our payments on time, our mortgage balance is higher than the original purchase price. We feel we were taken advantage of by several law firms preying on folks like us desperate to keep our homes in a waning economic climate.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction with how XXXX, XXXX, and XXXX as consumer reporting agencies, have handled my private information. As a federally protected consumer, I believe that my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the Right to Financial Privacy Act ( 15 USC 6801 ) have been infringed upon.

Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Additionally, 15 USC 6801 establishes the explicit policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to uphold customer privacy. The companies listed in my FTC report have violated there terms and conditions under the privacy act of 1974.

I would like to bring to your attention that, according to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report in accordance with the written instructions of the concerned consumer. Regrettably, I have not provided written consent for the disclosure of my information to XXXX, XXXX, XXXX, or the furnisher of information to credit agencies. 

Furthermore, I am exercising my right to opt-out of the reporting services, as outlined in 12 CFR 1016.7, which states that a consumer may exercise this right at any time. Despite this, I have not been informed of my ability to exercise the nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

It has come to my attention after reviewing my most recent consumer file that XXXX, XXXX, and XXXX are reporting adverse information without my consent, which is a direct violation of 15 USC 1681C ( a ) ( 5 ). This action is also contrary to the provisions of 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e emphasizes the necessity for consumer reporting agencies to maintain reasonable procedures to avoid violations of the sections above. In this regard, XXXX, XXXX, and XXXX have failed to uphold such reasonable procedures. 

I demand that my privacy rights are respected and upheld in accordance with federal laws and the accounts listed be removed from my consumer file as I did not authorize any of the companies to furnish my information Additionally, I am revoking any and all consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, XXXX, and all the financial institutions reporting my private information to the credit agencies. 
I appreciate your attention and expect a prompt and comprehensive resolution.
Product: Debt collection

I want to get XXXX affirm collection debts removed from my credit report as its heavily affecting my credit score as well as my chances of buying a home. Two of which are paid and still in my credit report and one that is showing a past due amount of : {$720.00} This debt is inaccurate for three reasons one for for showing a past due amount. Two I never received a validation letter via mail or electronically so they are In violation and must get these off my consumer report. And three I never had debt with the collection agency and they are trying to hold me accountable for money I never owed them Affirm inc Number : XXXX
Product: Debt collection

A company called XXXX XXXX XXXX reported a loan that I NEVER took out. They have 0 proof of me taking out the loan and on top of that, they have multiple reviews from other people reporting the same thing. This site needs to be shut down. They are stealing from people and selling loans to debt collectors that people never took out. I never got any money from XXXX. I never signed any documents with them. I never took out a loan with XXXX. The company sold this loan to a debt collector named Vance & Huffman. This is affecting my credit as it showed up on my credit report in collections. I NEVER took out this loan. I don't have dates and times because I never worked with XXXX  but Vance & Huffman who bought the debt from XXXX  and should also get in trouble for not reviewing XXXX  before buying this debt ( especially with so many similar complaints out there about XXXX  ), they list XX/XX/XXXX  as when this hit collections on my credit report. The amount they say I owe is {$4100.00}. I need this removed from collections but the credit bureau is not being thorough with their dispute investigations. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian NUMBEROUS of times about my 17 collections and 5 inquiries being incorrect on my credit report. These are not mine and are an error on my report. Both collections and inquiries need to be removed immediately
Product: Debt collection

After having XXXX removed from my XXXX with a doctor flown in from XXXX to XXXX my insurance paid for the procedure. It was a couple of weeks I went back in for a check up, and the local Doctor saw a XXXX on my forehead, he froze it and could n't make up his mind which XXXX it was. He tried to say it was the same one " XXXX '' but it was not. I later get a bill from him which my insurance refused to pay. He is a quack and tried to charge me for something that was untrue. I refuse to pay for a bogus charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect its consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

After years of working hard to building your XXXX XXXX credit karma gives you a deceiving XXXX XXXX. 
I applied for a loan based upon credit karma 's XXXX XXXX. Example credit karma told me I had a score of XXXX, yet when I applied for a loan it came back only XXXX. I then took a hit against my credit after working tirelessly to get my XXXX XXXX up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts : XXXX XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XXXX. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was affected by XXXX last year, like many others. During my hardship I was unable to make monthly payments for my account with Affirm. I filled out their hardship application and never received a response via email, as the application suggested I would. I followed up with the company via phone and was advised that the application had been approved. Based on that information I was under the impression that missing my monthly payment of {$170.00} for two months would not be counted against me. Once I was in a better financial position I paid my account total of {$2000.00}. 

I later discovered that Affirm had reported the late payments to the credit bureau XXXX. Although, I was told that it wouldnt be due to financial difficulties due to XXXX. I have reached out to Affirm 4 times and submitted disputes to rectify this situation. 

Any assistance would be appreciated. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX  was paid with creditor XXXX XXXX  on XX/XX/2018Please update and remove. XXXX  and Equifax have fraudulent inquiries that were not authorized by me.

XXXX XXXX XXXX XXXX XXXX  ( XXXX alabama ) XXXX XXXX   2x XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX
Product: Credit card

It 's been several months since I contacted all XXXX credit reporting agencies. I made disputes on a credit card that was used when I was in Training for the XXXX XXXX. I sent them several copies to prove my identity, a copy of ID and SS # with a copy of letter showing my name and mailing address. There was a credit card maxed out when I was training, the card is from XXXX XXXX. I also sent a Police Report showing that it was reported and the XXXX XXXX credit card covered the charges. This several delinquincies are still affecting my credit report.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices which violated Customer Financial Protection Act ( cfpa )
Product: Student loan

XXXX 's business practices are shady at best. Online correspondances are deleted from the site, forcing me to save every document separately. In regards to PSLF payment tracking, I have been forced to change to XXXX because they are the only servicer available for PSLF  candidates. Every year when I submit my employment certification they mess up my tracking and either refuse to approve my employment dates, or use the wrong dates that are not even included in the application submitted. I truly feel they are intentionally messing up these applications to put borrowers behind in making their 120 qualifying payments and avoid standing up to their end of the program. With my current submission, the initial application was approved for the wrong dates. When I resubmitted and asked for them to look at the application dates again, the same application was rejected. How can they approve and then deny the exact same application if something isn't going on? I have been working on correcting this issue since XXXX and have yet to receive a satisfactory response from XXXX.
Product: Mortgage

Pennymac has repeatedly refused to remove PMI from my loan. Original loan amount is {$94000.00} and current balance is {$67000.00} ( nearly 30 % lower ). The Homeowner 's Protection Act states that FHA and VA loans are not covered which my mortgage is neither of those. On XX/XX/2023 I will officially have had this mortgage for 10 years and in those 10 years I have not only had a great payment history but have actually paid MORE than what has been asked of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit bureaus that i am a victim of identity theft, I also sent my identification social security card and my FTC report. 
2nd request and this is the second time resending all the information again
Product: Credit reporting or other personal consumer reports

Name and addresses on my account that doesn't belong.
Product: Debt collection

XXXX terms of contract were violated. I could not get XXXX to honor their end of the contract by providing me service in my home XXXX. Extremely fraudulent contractual obligation.
Product: Credit reporting or other personal consumer reports

Transunion These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} XX/XX/XXXX Transunion Inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FIRST XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is a formal letter template you can use to address the credit company regarding negligence and non-compliance with civil liberty laws. Be sure to customize it with specific details relevant to your situation. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 Subject : Formal Complaint Regarding Negligence and Non-Compliance with Civil Liberty Laws To Whom It May Concern, I am writing to formally address an issue concerning your companys negligence and non-compliance with applicable credit reporting and civil liberty laws. My account, associated with [ your account number ], has been negatively impacted due to [ describe the specific issue, such as incorrect reporting, failure to respond to disputes, unauthorized actions, etc. ]. 

As a consumer, I have the right to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. However, your company has failed to comply with these obligations by [ explain how the company has been negligent, such as failing to investigate disputes, providing false information, or engaging in unfair practices ]. 

I request that you take immediate corrective action by : 1. Investigating the issue and providing a written response within 30 days.

2. Correcting any inaccuracies and ensuring compliance with federal and state regulations.

3. Providing a detailed explanation of why this negligence occurred and what measures will be taken to prevent further violations. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal counsel if necessary. I expect a response by [ reasonable deadline, e.g., 30 days from the date of this letter ]. 

Please consider this a formal request for compliance, and I urge you to address this issue immediately. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I deposited {$5000.00} of cash into a Chase Bank ATM at XXXX XXXX XXXX XXXX on XX/XX/XXXX at around XXXX pm. The ATM number is XXXX. The amount that I deposited never showed up in my account. I withdrew the amount from my XXXX XXXX account the same day at around XXXX XXXX and I have proof of that. 

I called Chase about this issue and they opened an investigation. They confirmed that I was there at that time with cash and deposited it into the ATM using the video footage that they have from the ATM. They also have a log of me entering the Chase Bank and using the ATM at XXXXXXXX XXXX which is the time they provided me. 

However, they will not add the balance to my account because, for some reason, they didn't see any difference in the amount when collecting money from the ATM. I did not get a receipt from the ATM as that was not offered to me from the ATM after my transaction was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ). Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.