23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/XXXX I received an email that my PSLF waiver was accepted and i had successfully met the requirements of the PSLF Program and my loans were forgiven from MOHELA On XX/XX/XXXX I received a billing statement from MOHELA indicating that my Student Loan Payment was due on XX/XX/XXXX. I called the company and was informed that in the file there was a notification that my loan forgiveness was issued in error and the amount forgiven was reversed. No explanation, no notification provided to me prior to this billing statement. The representative was unable to tell me what had happened or why this was happening but that I would need to pay the amount due on XXXX XXXX. Studentaid.gov shows my balance as XXXX dollars. The representative informed me my best option was to re-apply for the PSLF program. however, I can't since the balance is XXXX. 

I am waiting to hear from a manager. I was unable to be connected to anyone who can provide any further information.
Product: Credit card

Im troubled by this late payment, as my history is punctual. Please correct it and promptly remove it from my account. 
XXXX XXXX XXXXXXXX, US DEPT ED, US DEPT ED, XXXX XXXX, US DEPT ED, US DEPT ED, DPEDXXXX
Product: Vehicle loan or lease

I hope this message finds you well. I am reaching out on behalf of my wife, XXXX, in relation to our current situation with our vehicle financing. Recently, my wife contacted Mercedes Benz Financial to discuss the possibility of catching up on our payments. Due to her multiple XXXX, we have faced significant setbacks in meeting our financial obligations. 

In the midst of these challenging times, my wife made a sincere offer to pay {$1000.00} a day in order to bring our payments up to date. However, we were disappointed to receive a response from your team declining this proposal. The interaction was disheartening as we found the tone to be rude and disrespectful. 

The vehicle holds great importance to us, and we are committed to finding a solution that allows us to retain it. We kindly request your understanding and cooperation in exploring alternative options to help us resolve this matter amicably. 

We are hopeful that with your assistance, we can come to a positive resolution that benefits both parties involved. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

Credit Collection Services are stating the purchase debt from XXXX. Stated to Credit collection   I've never done business with nationwide. Asked credit collection services of a legally signed document that validated debt. They told me they could do that unless I initiated a fraud investigation. Told them my uncle is an attorney and was instructed they have to provide me a legally signed documentation under section 623 and representative hung up the phone.
Product: Debt collection

My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that. So, if the debt is simply too old to collect, and the fact that XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX requesting the all documents and the removal of this information under " Public Record ''. The company refused to comply. They sent a letter stating that they did not have to verify anything because it is public record.
Product: Credit card or prepaid card

I have owned a Costco visa credit card, and I was having a XXXX  emergency for an aunt who was battling the virus and later died. At the time in mid XXXX, I spent above my credit limit, but the credit card company harshly went ahead and closed my account permanently. 
I now have privacy issues with the credit card company because it has logins to my bank account together with the account balance. I find this intrusive and unheard of.
Product: Payday loan, title loan, personal loan, or advance loan

I took out and repaid multiple short-term loans with Possible Finance, which they market as a Payday Alternative Loan ( PAL ). Every account was paid on time, in full, and never delinquent. However, each loan is reported as a separate tradeline on my credit reports, which has significantly lowered my average age of accounts and created the appearance of excessive, high-risk borrowing. 

This distorted reporting has resulted in repeated denials from traditional lenders and damaged my ability to qualify for a mortgageeven though Ive shown consistent financial responsibility. To make matters worse, after each loan is paid off, Possible Finance promotes a new prequalification offer almost immediately. This creates a loop where the consumer is denied access to better credit, making them feel pushed back toward Possibles short-term loans.

What makes this worse is that Possible Finance advertises itself as a Payday Alternative Loan providerimplying that it offers a safer, more ethical credit product. But their lending and reporting model mimics the very payday traps consumers are trying to avoid. While pretending to offer a path forward, they are harming credit profiles and reinforcing financial dependence.

I submitted multiple direct requests asking Possible Finance to remove the paid, closed accounts from my credit reports and provide an explanation for their policy. Instead, they responded by citing the Gramm-Leach-Bliley Act ( GLBA ), inaccurately implying that I had no right to request removal. GLBA governs data sharingnot credit reporting obligationsand they know this. 

I believe Possible Finance has violated consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), in the following ways : 15 U.S.C. 1681b Reporting of closed, paid micro-loans no longer serves a permissible purpose 15 U.S.C. 1681e ( b ) Reporting multiple recent short-term loans distorts my credit profile and is misleading 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Continued reporting after being informed of the harm 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation into my direct dispute Potential violation of the FTC Act ( UDAP ) Misrepresenting themselves as a responsible alternative lender while enabling a cycle of financial dependence and denying valid consumer concerns I also believe their tradeline reporting practice may deviate from Metro 2 and CDIA standards by overstating borrower risk. I submitted a formal pre-litigation demand letter, and they declined to resolve the issue. Im not a lawyerIm a real person trying to buy a home and move forward financially. This has been frustrating, exhausting, and deeply unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

open road lending refinance company. when i first looked at XXXX XXXX list of refinance and information. open road starting calling me about my loan for personal or refinance auto. i told them no i do not want their services and their apr is above 200 %. that is not for me. 
i started to get phone calls over several times a day about 2 months ago and told them stop calling me and stop looking into my credit. i do not want anything from open road, especially after i spoke with a representative and she told me i qualify for their loan of XXXX i told no i did not request for that if anything i looked into other options XXXX XXXX offered and just use the estimate calculator for a XXXX loan. she said okay we can do that at above 200 % apr i said no do not use my profile and stop calling me i do want your services also stop running my refinance of auto i already was approved back in XXXX - XXXX 2021XXXX as of today i got another hard hit on my auto history credit report all three major and still still being denied by the same company open road lending refinance application number as of today XXXX XX/XX/XXXX2021 i did not request for anyone process any loan auto. i want every and each of auto credit companies that continue to deny my auto refinance to remove from my credit history especially from open road lending refinance company. Also a male customer service rep was calling me over and over for me to agree on any loan i told him to stop stop calling me or i will report you and the company to cfpb. so again if i refuse the loan by phone which i have several times. now i am getting too many hits on my credit history on each major credit bureau and derogatory credit factors : i am not late and i do not have any collection and at this moment my credit history is ruin with too many repeating denials also from credit card companies. i keep getting notices and i know for a fact. i did not apply for the letters that i keep getting recently. i believe my personal profile is and has been tarnish and because i continue to say NO! i do not want any credit or loans or anyone calling me I have notice a duplicate, triplicate trending of my credit being hit hard inquires. how can cfpb help my credit history. please this is too much
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I was challenging factual errors with proof. 
those agency was XXXX  XXXX XXXX after a few weeks they updated the accounts without putting the noted of dispute then I wrote some letters again in XX/XX/2021 and the result was that they did not accept the errors and I just said they wouldn't erase it This are the account im disputing in credit report Citi bank account # XXXX XXXX XXXX XXXX # XXXX This accounts has many error i send them proof and they didnt want to acepted & after that the fail to the notice of dispute.
Product: Credit reporting or other personal consumer reports

Since XXXX I have not been able to access my credit report from Transunion. Through their website service.transunion.com. I Filed a complaint with the cfpb on XX/XX/XXXX. The company responded on XX/XX/XXXX there are certain conditions in which a credit file may not be access online.However I can call ad receive my report via phone. customer service reps and supervisors have recommended me purchasing the credit monitoring product which doesn't make sense because Transition is denying me access to my file while their employees have access to my personal information. On XX/XX/XXXX I spoke to XXXX XXXX he was very rude and nonchalant. All in the same day I spoke to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX no one was able to help. XX/XX/XXXX I was able to speak to XXXX who was a Supervisor in universal agent department dealing with special handling. He was very nice and was able to transfer me over to a Supervisor name XXXX who told me I had an Fraud mark on my account which wouldn't allow me access to the online services. He stated had removed it and to wait 24hrs and try again. I tried logging on XX/XX/XXXX was not able to get access I called and spoke to someone name XXXX who gave a reference number and transferred me over to XXXX in which she stated that XXXX didn't finished my file and that the fraud mark hasn't been removed for me to gain access. XXXX never Called me back or reached out to try and fix the matter. I called today XX/XX/XXXX and spoke to XXXX XXXX who was no help he told me to trying reaching out online because their system is down. I have submitted all the requiring documents to prove my identity as well as answered all security questions. For two years I have been given the run around and denied help to resolving the matter. My rights as a consumer have been revoked serval times. I keep getting sent to the main line because no one wants to resolve this matter. Or I'm getting transferred to someone out the country who gives me the run around or simply disconnects the line. Transunion has been illegally denying my rights per the 607 compliance Procedure 15 U.S.C by THE FCRA. The company also added a fraud alert on my file XX/XX/XXXX after I spoke to a customer service rep. which I didn't contact about no fraud issues or asked for one to be placed on my file. I received an email notification about the matter. This process has stop creditors from accessing my report and me obtaining purchases. I have been emotionally and financially distressed as I am trying to make purchases. I would like to have access to my report as I have with XXXX and XXXX. I have also contacted a lawyer dealing with consumer rights to proceed with legal action against the company due to this matter. I have waited years to have this issue resolved and nothing as been done. I would like to proceed with my life as this matter is taking a complete toll on me mentally. The documents submitted below is proof of the hassle I've been facing with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Consumer Loan

Nissan Motor Acceptance Corporation continues to call my mother-in-law at XXXX. NMAC has been instructed according to PA Law not to call my wife or I at work, and provided our home phone number of XXXX as contact for the account. No other number is valid. The harassment of my mother-in-law must stop immediately.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate and Unverified Information Dear EXPERIAN Dispute Department, I am writing to formally dispute several inaccuracies and unverified information reported on my credit file. These accounts contain errors that violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the disputed items : XXXX. 
XXXX XXXX XXXX XXXX XXXX - {$400.00} 15 USC 1692c.

The collection agency has failed to validate this debt per 15 USC 1692c. I request the removal of this incorrect information from my credit report immediately. I am wondering how your bureau were able to validate and verify this information. 
XXXX. 
XXXX XXXXXXXX {$220.00} - Incorrect Late Payment 15. US Code 1666b This account was paid on XX/XX/XXXX, as evidenced by the attached bank statement showing a {$25.00} payment. It is inaccurate and unjustified for this account to show as a late payment. Please update this account to reflect " Paid, Never Late '' status. 
XXXX. 
XXXX XXXX XXXX  {$200.00} Open Date XXXX 15 US CODE 1692g This account was never properly verified. A complaint has been filed with the CFPB, which referred the matter to the OCC. XXXX XXXX has failed to provide sufficient information regarding this account. As a result, I request that this account be deleted from my credit file due to the lack of verification. 15 US CODE 1635 4. 
XXXX XXXX XXXX XXXX Fraudulent Account XXXX {$31.00} 15 U.S. Code 1681 I was advised by XXXX XXXX XXXX XXXX that this is a savings account with overdraft, but I have never opened a savings account with this company or conducted any business with them. This account is fraudulent and must be removed from my credit report immediately. 
I have attached relevant documentation, including bank statements and correspondence, to support my dispute. Under the FCRA, you are required to investigate and correct any inaccurate or unverifiable information on my credit report within 30 days. Please send me written confirmation once these issues have been resolved. 
Thank you for your cooperation. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : XXXX. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX XXXX. Police Report filed with my local law enforcement agency. 

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within XXXX ( XXXX ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT INQUIRIES : 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 As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.
Product: Credit reporting or other personal consumer reports

XXXX I spoke to a representative with experian about old addresses on my account and I used the code 1681 U.S.C and he stated that the FCRA said it couldn't be deleted.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX Date Opened XX/XX/XXXX XXXX Opened XXXX - Late/Open XXXX XXXX  XXXX, XXXX XXXX Date Opened XX/XX/XXXX XXXX Late/Open