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

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXXXXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX Account Number : XXXX This account has never been verified, I dont recall having late payment on this specific account the Status Shown as Inaccurate it shouldnt be Derogatory it was reporting inaccurate information please update the billing error update as agreed Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX Account Number : XXXX I dont recall being late on this account. Please verify all information is XXXX percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account. 

I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX, NY XXXX XXXX following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i mailed a letter to transunion about some collections accounts that i have no knowledge of and requested a investigation. It has been a little over a month now and have yet to get any knowledge or information about my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I have listed the fraudulent accounts I want deleted from my credit report : US DEPT OF EDUCATION XX/XX/XXXX was in bankruptcy XXXX XXXX. The balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my account six times. 

DEPARTMENT OF EDXXXX XXXX XXXX balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my credit report seven times with fraudulent information. 

XXXX XX/XX/XXXX account does not belong to me. Duplicate account. I have a XXXX account in good standing. This one is not mine. Inaccurate information. 

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. All three Credit Bureaus have closed student loan accounts posted to my credit report.
Product: Mortgage

I need from Wells Fargo a loan history and activity from XXXX to XXXX this includes principal and interest and taxies any every payment made to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

In XX/XX/XXXX, I noted charges in an updated credit report that I did not make or authorize. After contacting Affirm directly, I was notified that there were XXXX active loans in my name. On XX/XX/XXXX I opened a complaint notifying Affirm of the fraudulent activity. On XX/XX/XXXX, the account information was updated to my phone number and email to prevent further access and loans. The same day, Affirm sent loan verification documents that indicated XXXX prior loans that were either paid off or cancelled. Again, I have never authorized ANY loans through Affirm. On XX/XX/XXXX, I communicated with XXXX and XXXX XXXX, the XXXX companies that provided merchandise for these loans but was told that I could not get information on the items purchased as the accounts were not in my name ( through those companies ). On XX/XX/XXXX I filed an XXXX Complaint. On XX/XX/XXXX, I was notified that XXXX of the loans with XXXX was written off on the amount of {$3200.00}. During this time, I also disputed the charges with all of the credit agencies. On XX/XX/XXXX, Affirm requested additional information which was provided. This same information was requested again on XXXX and was provided the same day. On XXXX, Affirm validated the debt and I called them again to report this as fraud. I was asked again for additional information which was provided. On XXXX, I received communication that the case was being escalated. On XX/XX/XXXX I was asked to completed an affidavit, which I did. The same day, I received a response that I was still responsible for the loans I did not take or authorize. This is despite showing that the last loan was taken out for XXXX Guitars and the items were not even shipped to my address. On XX/XX/XXXX I received notice that the second loan in the amount of {$700.00} was charged off. In consultation with my XXXX XXXX, I subpoenaed the account history including signature page for any and all loans, date of Affirm account being opened, name ( XXXX ) on account, phone number/email/address/any other contact information on account, payment information and any other account details on account. On XX/XX/XXXX I received a message from Affirm indicating they would not release information to a third party ( would not comply with my subpoena for records ). My estranged husband opened these account without my knowledge or permission and I am trying to prove that in court. As a creditor claiming I owe a debt, they are legally required to provide me this documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Investigation Complaint Request for Verification To Whom It May Concern, I recently reviewed a copy of my credit report and noticed several inaccuracies regarding the following account, which is negatively impacting my ability to obtain credit. I am requesting an investigation to ensure the accuracy of the reported information. 

Account in Question : XXXX XXXXXXXX Account Number : XXXX I am formally requesting verification of the accuracy of this account. Please provide documentation verifying the following details : 1. What is the date of the first delinquency on this account? 


2. What is the date of the last payment recorded on this account? 


3. What is the date this account was charged off? 


4. What method was used to verify the accuracy of this account? 


5. Who is reporting this account, and what supporting documents were used to validate the information? 



If you are unable to verify these details with proper documentation, I request that this account be removed from my credit report immediately, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please respond in writing with the results of your investigation within the legally allotted timeframe. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

American Express arbitrarily decreased my credit limit today right after I made a payment on my credit card and right before I initiated to pay a heating bill. I didn't find out until after I got off the call with the heating company when they said that my credit card transaction wasn't going through. Because of this I can not pay my heating bill and the best suggest that they could give me is to wait 4 days in which case I will most likely run out of heating fuel in my home. I am very upset about this course of action on American Express 's part and couple that with them refusing to reduce my interest rate on both of my credit cards as well as both of my wife 's American Express credit cards have left us both with a bad taste in our mouths when dealing with American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by Equifax, XXXX, and XXXX. US Department of Education and State of MD XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the Equifax Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible  accuracy, of the information on my credit report
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit COLL Agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received any validation information regarding a debt allegedly owed to Credit COLL Agency, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the agency has placed a collection on my consumer report without providing me with an opportunity to dispute the account, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, Credit COLL Agency has engaged in false, misleading, and deceptive practices. The agency has no authority to furnish any account to a consumer reporting agency without providing all required disclosures, and is in clear violation of 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I am disputing any and all debts owed to Credit COLL Agency and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide me with clear and verifiable evidence that I owe the alleged debt.

Purchase Agreement : Please furnish a copy of the purchase agreement between Credit COLL Agency and the original creditor.

Licensing and Bonding : Please provide proof that Credit COLL Agency is licensed and bonded to operate as a debt collection agency.

I am requesting that the CFPB investigate these violations and take appropriate action against Credit COLL Agency. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number : XXXX
Product: Credit card

Since XXXX I have been trying to get a refund fron Synchrony Bank pay pal online credit. 
I have been going back and forth between the two companies XXXX XXXX XXXX XXXX for the amount {$250.00}. I received a letter XX/XX/year> stating XXXX XXXX XXXX XXXX did REFUND all monies to paypal/paypal credit synchrony bank XXXX I called synchrony bank this morning and was told they have not received refund from XXXX XXXX XXXX XXXX XXXX plz see attached letter provided to Synchrony bank issuer of paypal credit.
Product: Credit card or prepaid card

Company never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. Company failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.
Product: Mortgage

We applied for loan modification numerous times and continually were rejected for different reasons each time, sometimes the reasons contradicted the previous denial. Finally after 5 years of trying to save our home we lost the battle because Wells Fargo refused to work with us. We had pointed out several inconsistencies in their financials of denying our request, and Wells Fargo ended up foreclosing. We tried to short sale our home, we had an offer for $ XXXX, Wells Fargo rejected the offer and later that month sold our home at auction for $ XXXX less than the short sale offer. 

We are notifying CFPB because we want record of the fraudulent behavior that continues with Wells Fargo. I have kept every document from Wells Fargo along with emails. 

We had submitted several CFPB complaints over the years regarding this issue with Wells Fargo : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries i never did inquiries with these companies XXXX XXXX  inquiry date XX/XX/2020, and XX/XX/2020 XXXX XXXX  inquiry date XX/XX/2020 These inquiries are fraudulent I sent XXXX  proof of police report that I'm a victim of identity theft these inquiries are not mine
Product: Credit card or prepaid card

I overpaid by balance by {$10000.00} on XX/XX/20. I was told I would get a refund check within 7 days. It is now XX/XX/20 and I have received nothing. I called again and they are refusing to refund the overpayment and closed the account.
Product: Credit reporting

I went to obtain a XXXX day extension of my initial fraud alert today. Both XXXX and XXXX whatever made it impossible ( no actual persons to speak to ) to choose that option, as it was never presented. Time is of the essence, and there is no way to speak to any person at any of these XXXX in order to timely make that request.
Product: Student loan

Unauthorized Third-Party Status, Violation of Privacy, Cease and Desist Communication, and Debt Validation Request Dear Nelnet, I am writing in response to your communication dated XXXX XX/XX/2023, regarding my student loan, which has allegedly been transferred from Great Lakes to Nelnet. I would like to reiterate my previous assertion that your organization remains an unauthorized third party with access to my personal information. 
As referenced in my previous correspondence and the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint # XXXX, I have made it clear that I consider Nelnet an unauthorized third party with no legal authority to access or handle my personal information. Despite your claim of being the new servicer for my student loan on behalf of the Department of Education, I firmly assert that you continue to violate my privacy rights according to the Fair Debt Collection Practices Act ( FDCPA ). 
Therefore, I hereby demand that Nelnet immediately ceases all communications with me, both written and verbal, unless you can provide legal proof of your authorization and compliance with the FDCPA. Cease and desist all contact with me, as mandated by the FDCPA under section 805 ( c ). Your continued attempts to communicate with me while being an unauthorized third party constitute a violation of the law. 
Furthermore, I request that Nelnet ceases reporting any information regarding this alleged debt to credit reporting agencies. Any negative reporting or reference to this debt on my credit report is also in violation of the FDCPA. Failure to comply with this request will be seen as a willful violation of my rights. 
Additionally, I hereby exercise my rights under the FDCPA to request the validation of the alleged debt. I demand that Nelnet provides me with the original agreement bearing my wet signature, demonstrating that I am legally obligated to owe any debt to your organization. I expect this validation to be provided within 30 days from the date of this letter, as required by the FDCPA. 
I must emphasize that unless Nelnet can prove with legal documentation that I owe any debt to your organization, I will not acknowledge or accept any further claims or demands. Failure to comply with my requests, both for ceasing communication and providing proper debt validation, will leave me with no choice but to pursue legal action to protect my rights and seek appropriate remedies. 
Please acknowledge receipt of this letter within 10 days and confirm in writing that you will cease all communication, cease credit reporting, and provide the requested debt validation as outlined. Failure to respond or comply with these demands will be viewed as a deliberate violation of the FDCPA, and appropriate legal action will be taken. 
Thank you for your immediate attention to this matter. 
Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX  and will attach the response from XXXX XXXX.