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

spoke with XXXX on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX  and XXXX | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( 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: Credit reporting, credit repair services, or other personal consumer reports

This is a recurring problem with Experian, one of the three credit reporting agencies form which I am entitled to get a free credit report ( now weekly -- at least theoretically ) rather than annually through XXXX. I've tried repeatedly to get a free credit report from Experian and keep getting the same vague ( totally worthless ) message telling me a " situation exists '' that does not allow me to get my credit report. But no information as to WHY. Completely unhelpful and just hitting a brick wall. NO resource except to complain to you, and wait 60-90 days. For a company that rakes in billions in profits each year ( much of it by selling my personal information to others without my authorization ), you would think they would invest better in technology that would enable them to be compliant with Federal law. Perhaps they think most people will just get frustrated and give up. I DO NOT want the company to send me a form requesting my personal information. I want Experian to FIX THE PROBLEM THAT IS PREVENTING ME FROM GETTING MY CREDIT REPORT ONLINE -- NOT through the mailer having to go to the extra effort to dial a number and deal with electronic robots -- UPON REQUEST. 

PLEASE NOTE THAT I HAVE ALREADY RECEIVED A RESPONSE FROM EXPERIAN ( THROUGH A PREVIOUS CFPB COMPLAINT ). I NOTED IN MY RESPONSE TO THEIR RESPONSE, THAT IT APPEARED TO HAVE BEEN ANSWERED BY A ROBOT. WHOEVER RESPONDED DIDN'T APPEAR TO KNOW THAT IT HAS BEEN OVER A YEAR SINCE CONSUMERS HAVE BEEN ENTITLED TO RECEIVE A CREDIT REPORT WEEKLY -- NOT ANNUALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a XXXX veteran and run a charitable 501c3 organization XXXX I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

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

World Finance is reporting a PAID account on my report incorrectly. The account is NOT being reported that it is paid on my XXXX  and XXXX  reports. This is NOT fair to me. I paid the account earlier this year. The company has had plenty of time to report that the account is paid, but they have not changed the account status to paid. This is against the law.
Product: Checking or savings account

Today XX/XX/2023 at around XXXX XXXX XXXX I went into a TD Bank branch at XXXX XXXX XXXX XXXXXXXX XXXX 


I inserted my debit card into the ATM and tried to deposit {$2000.00} in cash ( XXXX XXXX dollar bills. ) The machine returned {$300.00}, held the remaining balance, and then froze on me, with the remaining {$1700.00} stuck inside. I notified the tellers and branch manager, they said the ATM often froze. About 30 minutes after this happened, I was sitting with XXXX XXXX XXXX of TD bank and the ATM started beeping. It had returned my debit card but not the {$1700.00} that was deposited. 

XXXX XXXX opened a dispute however according to the paper that was given to me there is no guarantee I will receive the money that was improperly taken. 

This transaction is not logged in my account, currently I am out of {$1700.00} and have little faith in TD rectifying this situation based on my personal experiences with them mishandling my banking transactions.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my growing frustration and concern about the continuous presence of a late open account on my credit report, despite my numerous attempts to have it corrected. It is essential that my credit report accurately reflects my financial history, and I have made diligent efforts to address and rectify the inaccuracies that have adversely impacted my creditworthiness. 

Over the past several months, I have discovered a late open account listed on my credit report when I requested a copy from your agency. This late open account, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history, and I have consistently disputed its accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have initiated disputes with your agency on multiple occasions to correct the inaccuracies related to this late open account. Each time, I have provided all the necessary documentation and evidence to support my claims, expecting a prompt and thorough investigation. 

Unfortunately, my persistent efforts have yielded no resolution or response from your agency within the 30-day investigation period mandated by the FCRA. This continued lack of response infringes upon my rights as a consumer and perpetuates the financial harm I endure due to this inaccurate late open account. 

Despite the considerable evidence I have provided to support my claims and the multiple attempts I have made to address this issue, the late open account continues to negatively impact my credit report, causing ongoing damage to my financial well-being. 

I insist that you take immediate and definitive action to investigate and correct the inaccuracies related to the late open account on my credit report, as mandated by the FCRA. Furthermore, I request a written response outlining the results of your investigation and the actions taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly and effectively will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. I am fully prepared to pursue any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including previous dispute letters, supporting evidence, and any other documentation substantiating my claims. These documents unequivocally demonstrate the inaccuracies related to the late open account and emphasize the urgency in their correction. Please help me correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4700.00}
Product: Checking or savings account

I called wellsfargo on XX/XX/22 to get a refund I was scammed from XXXX XXXX XXXX XXXX the said they would give me a loan modification and never did anything for 9 months asked for a refund of XXXX dollars now there not answering the phone. So I called wellsfargo for a refund said the couldn't do it because it was 180 day I believe this is not fare I had no protection for my money please help thanks.
Product: Credit reporting 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. 

Account Name : 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 XXXXXXXX and list of Inquiries. 

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

In service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting several collection accounts that I need removed. I have settled this debt with you and ask that you please remove these accounts from my credit file. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this account. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt with you and am now asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. Please provide a letter from your company agreeing to the terms. This letter should be signed by an authorized agent of Express Recovery. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under to the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and these entries have been added fraudulently or without my authorization. As stipulated under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit file without delay.

Accounts and Inquiries to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting

For the last 2 years in a row, I tried to get my credit reports on XXXX. It asks me a few questions, I answer them correctly and it locks me out of all my reports and says I have to print out a page and mail it in. Of course if I need it quickly I can pay the {$20.00} overnight fee.
Product: Credit reporting or other personal consumer reports

The Social Security Administration declared me deceased accidentally. On XX/XX/year>, I went to the social security office and showed proof of life and was given a letter stating they made a clerical error. I am currently XXXX XXXX XXXX and my credit and health insurance has been cut off. 
Meaning I could go into XXXXXXXX any day with my XXXX XXXX XXXX  and have no insurance or be able to sign the XXXX XXXX because I don't exist!!! Additionally, my husband and I lost a house we were closing on because I am dead and have no active credit for a loan. This has greatly negatively impacted my life and the health of my XXXXXXXX XXXX. I need this resolved immediately as I could go into XXXX any day and I am unable to get a house because my amazing credit score no longer exist because of a SSA clerical mistake I did not make or deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has reported XXXX late payments and Ive tried disputing them with company. I was told system doesnt go back that far.
Product: Debt collection

Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 please remove from credit report
Product: Mortgage

XXXX XXXX of XXXX XXXX, CA is a loan agent for PrimeLending in XXXX, CA is performing illegal mortgage loans by switching social security numbers of clients with good credit with those of his friends and family members so they will get approved. One family member I am aware of is XXXX and XXXX XXXX of XXXX XXXX, NV and XXXX XXXX, CA. XXXX XXXX also performed a false evaluation in 2006 for a XXXX XXXX XXXX XXXX XXXX, CA. He appraised the home for a considerably low amount and then sold it for a much higher price. I am aware that he switched appraisals with one of three homes in XXXX XXXX County at the time. One was in XXXX XXXX, CA. I have reported this to his employer and the XXXX XXXX County Assesor. I am also aware that he uses his clients information to open lines of credit for his own personal uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report : dark web activity Please notify experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies on XXXX, Transunion, and XXXX for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fradulent account on my credit report showing closed and in collections/charge-off titled ELANCO FINL SVC reported XXXX XX/XX/2023. I have never done business with them and have stayed up to date on all of my accounts. I have attempted to file disputes with XXXX to no avail. I have attempted to contact the company with no response. I need this corrected immediately as I have a government security clearance and this count effect my career. Please have this removed immediatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached TransUnion screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX 2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the 5th as scheduled. Also attached is a payment ledger from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that is showing two missed payments, for XX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX. Company : XXXX Collect, Account # XXXX. 
Has been reporting. On my consumer report for a medical debt violating my privacy rights as established by the FCRA and my HIPPA rights as well as the PRIVACY ACT 1974. They have purchased my personal information from XXXX XXXX Services. The amount of {$160.00} which is under {$500.00} and not to mention I the consumer has never sign any contract with XXXX COLLECT. I've asked this company for proof of contract with XXXX and never received. But yet they continue to report to my consumer file. I the consumer has never signed any contract with them. 15 United States Code subsection 1681b ( C ) states they are in violations of my consumer rights. Under this section SCA is not in compliance with the Law which states : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 45 CFR Subsection 60.7- Reporting medical malpractice payments. 15 U.S. Code 1681e SCA is not in compliance. states : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. No permission was given to XXXX to gather my information nor to share it with a third party which is XXXX and EQUIFAX reporting agencies. XXXX COLLECT has sent me a letter from the original creditor as their proof for validation which does not prove in owe XXXX COLLECT which is fraud they are saying i owe them {$160.00} with no proof of contract.
Product: Student loan

I have Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the PSLF/TEPSLF under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit PSLF forgiveness because the President of the United States signed a law that allows for these loans to be split and also forgiven under the PSLF program. 

XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, AIDVANTAGE in early XXXX. AIDVANTAGE does not have any information in their system about the loan. The loan still shows as being serviced by XXXX on the Department of Education Website. 

The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the POTUS signed last fall. I also want my portion of the loan forgiven through the PSLF program since I have met all the requirements for this. I have been serving in the U.S. Army since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).