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

For the Ally account, it shouldn't even be reporting late. I don't know why they are when I have never paid late? Please remove it
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage and formally challenge the blatantly misleading and defamatory response you submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint. Your actions not only demonstrate a complete disregard for the truth but also amount to defamation of my character by falsely accusing me of maintaining possession of a vehicle that is no longer in my control.

Your claim that multiple documents, including one bearing my wet signature, were attached to your response is patently false. Upon review, the only document attached was a statement dated XX/XX/year>, which neither contains my signature nor substantiates any of your claims. This misrepresentation to a federal agency is unacceptable, unethical, and likely illegal. 

Additionally, your assertion that I currently have possession of the vehicle is a deliberate lie. As I have already informed your company, the vehicle was inoperable and towed away by your organization. I even spoke with your representative, XXXX, to discuss the condition of the vehicle. During that conversation, I clearly explained that the car was not functional and that the dealership had sold me a defective vehiclea temporary life vehicle that broke down beyond repair. Despite this, XXXX chose only to focus on pushing a payment plan rather than addressing the issue of the vehicles condition or ownership. 

For you to continue reporting inaccurate information to the CFPB and likely to credit bureaus is not only a violation of my rights but also an intentional attempt to damage my creditworthiness and reputation. Your actions constitute defamation, as you have knowingly spread false information about my supposed possession of the vehicle. 

Your continued failure to provide required documentation and your blatant disregard for legal obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) further demonstrate your companys pattern of deceptive practices.
Product: Credit reporting

I called Transunion because they once removed the fraudulent debt off of my file and then put it back on there again. Now all XXXX are reporting it again. I told them per the FCRA, they are supposed to investigate and if there is no proof or response, they are supposed to remove it. I called them and they told me to contact the creditor. I told them that I already contacted them and they have done nothing and they basically said it was my problem and it is between me and the creditor. Transunion does not follow the Federal Credit reporting act guidelines. XXXX is reported twice once again on my report even though I notified Transunion that it is a fraudulent debt. I sent them a FTC affadavit and a police report and they still did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX, XXXX, TRANSUNION ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS.. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

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 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

XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me.
If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages. 

Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Checking or savings account

Received a texted that our accounts would be closed, in a few minutes the accounts had all be closed. No money available and a " promise to issue a Cashier Check to us in 45 days ... Left us with no access to our money and no time to respond to withdrawal any money until this was sorted out. Called no answers other than the bank has the right to close any account for any reason. Went to the branch with same questions, not answers no money. Checks have still not arrived
Product: Credit reporting, credit repair services, or other personal consumer reports

When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. XXXX has removed these loans off my credit but they are still on my equifax and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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: Mortgage

Me and my wife have owned a house at XXXX XXXX XXXX XXXX XXXX, New Jersey for many years and about four years ago dropped down to 15 year mortgage. We were very happy until I got a letter from Freedom Mortgage and they pushing to cash out for a promotion. After speaking to my wife we said lets look into. Well that is when Freedom uncovered their mistake of not taking enough out for escrow. This is their job and not mine, why they are called XXXX XXXX. I then called Freedom back on XXXX XXXX to see what XXXX XXXX mortgage payment would be, they said it would change in XX/XX/XXXX and not to worry about it XX/XX/XXXX Well my usual payment is about {$1600.00} and when I woke up XXXX XXXX my new payment was XXXX. I went nuts and me and my wife and family barely survived. This is just wrong, after I had called, and told it would n't be going up this month. I under stand it has to go up, but give us some notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Fedloan reported information to my consumers credit report without my written consent. No consent is identity theft
Product: Debt collection

DEBT NOT VALIDATED per FAIR DEBT COLLECTORS PRACTICES ACT 15 USC 1692g. Nor was the debt deleted while being investigated per ; 15 USC 1681i ( a ) ( 1.a ) This is a defamation of character and hindering me from living a product life as a consumer of these UNITED STATES XXXX ASSOCIATED COLLECTORS INC is also in violation of 15 USC 1681 ( a ) ( 4 ) " infringed upon a consumers right to privacy ; 15 USC 1681b ( a ) ( 2 ), not having permissible purpose nor written instruction, which is also a violation of my HIPAA RIGHTS and 15 USC 1692f " Unfair Practices ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My information appears to have been stolen in the Equifax hack. However, I do n't want to relinquish my rights to potentially sue, which is what signing up for their monitoring service entails. The CFPB or other agency needs to force Equifax to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$9700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX - XXXX - XX/XX/XXXX - {$480.00}
Product: Credit reporting or other personal consumer reports

I ordered a product from merchant XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX via Affirm. After a few weeks the merchant sent an email saying they were moving their warehouse and orders would take longer. I waited a few more weeks and made two monthly payments to Affirm. The merchant never sent it the order. I tried following up with them numerous times via website, email, and instagram but never received a response. I filed a complaint with Affirm but they said it was out of the time they give for refunds for such situations. I stopped paying the loan. On XX/XX/XXXX the merchant resumed posting on instagram. I sent a message about my order. They said they initially tried to cancel the order with Affirm but for some reason it didn't go through and that they would contact Affirm and try to remedy the problem. On XX/XX/XXXX Affirm corrected the loan in my account with a letter stating that I was never responsible for the loan and refunded my two payments. XXXX still shows me as having this loan as and that I still owe a balance. I disputed it multiple times but they say Affirm 's records show the information as correct. I complained to Affirm and they claim that because the loan was charged off they can not make any changes to the information. So even though according to Affirm 's own records and the letter they sent to me which I submitted to XXXX, I DO NOT OWE this money and was NEVER RESPONSIBLE for it because it was supposed to be canceled, XXXX refuses to remove it or at least correct the amount owed to {$0.00}.
Product: Credit reporting or other personal consumer reports

I have record from the court appearing on my credit report. I've Disputed the item with the Credit Bureaus XXXX XXXX XXXX XXXX in which confirmed the record was VERIFIED by you Lexisnexis XXXX all I'm asking you to please provide the procedure in which you verify records with credit Bureaus as far as my bankruptcy case XXXX XXXX XXXX XXXX XXXX my name, address, and account with case XXXX XXXX will be listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After I attempted to make a phone purchase from XXXX with my ATM card ( which was declined and so I used another card ) multiple unauthorized purchases were made with my ATM Debit Card number at XXXX XXXX. I filed a dispute with WellsFargo and it denied the dispute without conducting any real investigation. We have made numerous calls and have found that the person making the charges is a male ( obviously not me ). Moreover, Wells Fargo approved these transaction without requiring a signature or identification. Accordingly, I have filed a complaint against WellsFargo with the Court and is waiting for XXXX to respond to my request for records before filing suit against it.
Product: Vehicle loan or lease

Loan is in my name. Just found out the bank put the vehicles in someone elses name but mine not included. Other person canceled insurance without my knowledge and since they are not in my name I can not reinsure. Talked to bank about it being illegal to do so and they were of no help
Product: Credit reporting or other personal consumer reports

After I reviewed my credit profile I seen hard inquiries that do not belong to me
Product: Debt collection

On XX/XX/2018 I had all 3 credit bearus investigate LVNV Funding it was determined that the debt was not mines and deleted from my credit report on XX/XX/2018 I was notified of the same collection being placed back on my credit by LVNV Funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I also attached my proof of ID. Please block and remove all information from my credit report within 4 days according to section 605 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below is the item appearing. 

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: Debt collection

I have disputed this several times with no validation and no way I owe this. I need some help.
Product: Student loan

The borrower initially reached out to the Loan Servicer ( Sallie Mae ) in XXXX 2022, requesting a co-signer release. Borrower has fulfilled the requirements stipulated by Sallie Mae : 1- Submit a signed and fully completed application. 
2- Be old enough to enter a legally-binding contract in your state of residence. 
3- Be a permanent resident at the time you submit the request. 
4- Provide proof of income. 
5- Be current on all Sallie Mae-serviced loans at the time of application review and have not been 30 or more days past due within the last 12 months. 
6- Demonstrate a satisfactory payment history on the loan ( s ) requested by pre-paying an amount equal to the required 12 principal and interest payments or by making the required 12 on-time principal and interest payments. 
7-Have had no student loan ( s ) in a hardship forbearance or modified repayment program for the 12 months before you apply. 
8-Demonstrate the ability to assume full responsibility for repayment of the loan ( XXXX ). 

Borrower has requested the co-signer release 3 times - XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each of these times, the request has been denied, even when the borrower complies with all the requirements established by Sallie-Mae to release the co-signer. 

Co-Signer has contacted Sallie-Mae multiple times via the Chat Feature of their website, and each time he has contacted the loan servicer, they provide different information, with the last communication mentioning the following : " Unfortunately, we could not approve the request because the borrower did not meet our eligibility requirements. You will remain equally liable for the Current Balance of the loan. In order to protect the borrowers private information, we are unable to provide the specific decline reason ( s ) to you. We encourage you to speak with the borrower for the specific reason ( s ) as to why the request was declined. The borrower can request a reconsideration. '' The co-signer is authorized to communicate with the loan servicer to know the status of the application of the co-signer release, which was submitted by the borrower. Sallie-Mae mentions that information on the application can not be communicated to the co-signer, even when the co-signer provided financial and personal information to initially process the loan. Therefore, the loan servicer is not complying with providing adequate information to the co-signer and the borrower.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under TIME FINANCING SERVICES and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.
Product: Credit card or prepaid card

I had an issue with a previous credit card from XXXX XXXX the make up store where someone use my information and max out my cards despite having the physical card on me. I filed a compliant with my card company and they end up getting my funds transferred back to me in a new account. Now I'm unable to get any credit cards since this situation. I made an identity theft report on the federal bureau end and just removed a fraud alert as well through XXXX. Is there anything that can be done so I can be approved for cards before this situation?