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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Request for Removal of Illegally Reported Medical Debt To Whom It May Concern : I am writing to formally dispute the inclusion of a {$1100.00} medical debt on my credit report. I contend that the reporting of this debt violates current federal regulations and the Fair Credit Reporting Act ( FCRA ), as amended by the CFPBs Final Rule on Medical Debt Reporting ( Docket XXXX, RIN XXXX ). 

According to the CFPBs final rule finalized on XX/XX/XXXX, XXXX set to become effective XX/XX/XXXX, XXXX reporting agencies are prohibited from furnishing medical debt information on consumer credit reports for purposes of credit decisioning. Specifically, Regulation V now restricts the use of medical debt information by creditors and mandates that such data be excluded from consumer reports provided to lenders. This rule is supported by the CFPBs finding that medical debt is a poor predictor of a consumers ability to repay loans and that its inclusion often results in significant errors and undue harm to consumers. 

Furthermore, under the FCRA, as interpreted by the CFPBs new rule, the inclusion of medical debt that is not relevant to a consumers creditworthiness is impermissible. Despite this, my credit report from [ Equifax ] continues to reflect a medical debt in the amount of {$1100.00}. Given that this information is now deemed prohibited for credit reporting purposes, I request that you immediately investigate and instruct the credit reporting agencies to remove this debt from my credit file. 

Enclosed you will find a copy of my credit report highlighting the disputed entry, along with any supporting documentation I have regarding this debt. I respectfully request that the CFPB take appropriate enforcement action to ensure that this data is expunged from my credit report, in accordance with the updated rules. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation in writing of the removal of this debt from my credit report. Should you need any further information, please feel free to contact me at XXXX. 

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

I have requested several times from the debtor and the credit reporters to send me proof of the debt they have not yet to date and the XXXX account in question is over 7 years old should not be on my report anyways. also they did not remove or resolve the issues within a timely matter just asking that XXXX XXXX XXXX acct XXXX be removed from my credit report till they can provide proof of the debt belonging to me.
Product: Mortgage

On XX/XX/XXXX I requested information about a HELOC. I was contacted by XXXX XXXX on XX/XX/XXXX from Quicken Loans. I reiterated my requested for a HELOC, he asked for my SSN and pulled a credit report. He then proceeded to tell me that Quicken Loans doesn't offer HELOC loans. I informed him on XX/XX/XXXX that I was not interested in a mortgage and that I felt mislead by him and that I didn't appreciate having my credit report pulled when they couldn't accommodate my needs. 

On XXXX I received a loan package from XXXX dated XX/XX/XXXX. 

This agent is pushy and I would like to lodge a complaint against the practices that were used. I also do not want to be contacted by Quicken Loans for any marketing or loan offers.
Product: Student loan

My loans are supposed to be on administrative forbearance while my discharge is being processed for the Sweet vs. Cardona settlement. The student aid website shows my discharge is still being processed. My student loan account with MOHELA was recently removed from administrative forbearance. This is a violation of the settlement terms.
Product: Debt collection

A company named True Accord keeps sending me repeated emails harassing me about a debt that i do not owe. I don't know who True Accord is, i never received any goods or services from them, and i do not have any contract with them or the company XXXX XXXX who in the last email they are harassing me telling me that they will be taking this alleged debt that i don't owe back. I have not contacted True Accord by email or by phone, because i am scared that they are trying to use legalese to try to trap me into a contract that i don't have with them.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX 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 or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking this company to fix my credit report for 3 years now. The company sends a response and say that the accounts are verified and never sends the proof that the accounts are my obligation. I have sent an invoice and the company didn't pay the invoice and states the information on my report is accurate. I am uploading proof that this company has not verified the accounts and they have not sent validation of the alleged accounts to me as I've asked several times. In these uploaded files you will see my credit report from this company showing several different mistakes. All of the errors are highlighted and marked. If this company really verified the accounts then they would have seen the mistakes before I did. Dates, late payments that are incorrect, some payments are not reported, no closed date, no information about who the alleged debt comes from. The alleged accounts are not reporting complete and accurate information and congress states that the banking systems are depending on the information being accurate and complete. This problem has been going on for 3 years now so I demand that the information be deleted immediately. They had three years to fix this information and it is clear that the company is willfully defaming my character and neglecting all of my attempts to fix the issue. I can no longer trust the banking systems because they are using information from a company that is clearly not really verifying and validating the accounts like they say they are. I have several exhibits showing several discrepancies. Delete The Accounts.
Product: Money transfer, virtual currency, or money service

Despite using Zelle and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an unauthorized account on my credit report. I am a victim of a recent data breach, and under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to request this action due to the fraudulent use of my personal information. 
The account in question is as follows : XXXX XXXX - Partial Account Number : XXXX - Opened : XX/XX/year> - Balance : {$2500.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct : XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

a collection Agency ( Hunter Warfield ) tries to collect a Debt from a Company ( XXXX XXXX ) that doesn't exist and failed to verify the Debt to my person! The company still threatens me and damaged my Credit
Product: Credit reporting or other personal consumer reports

I believe that according to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed permanently. The following accounts and inquiries are not authorized by me and are the result of identity theft : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
Product: Debt collection

I filed a complaint against this company with you on XX/XX/2023 and the complaint number is XXXX. I never received anything from this company in writing about the debt. The calls did stop for short time and this morning they started back up again. They have removed it from my credit report, but I fear that they will put it back there. This company has not responded to the complaint I filed with you in XX/XX/2023. Make them stop calling me if you can or if not can I take this company to federal court and sue them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scam called by someone claiming to be from the US Department of Education that was saying they were going to help me get reduced loan payments. During the call they knew my information so I thought they were a valid service but after ending the call I noticed my FSA ID had been changed and they knew my information be us they had accessed my account. Im concerned about my identity being stolen now or loans taken out in my name and want to know how to protect my identity through this. The number they called from was XXXX
Product: Debt collection

ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH CHASE MANHATTAN MORTGAGE LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO XXXX XXXX XXXX LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.
Product: Debt collection

My issue is regarding synchrony bank. I had an account go into charge off status due to the XXXX of my grandparents causing me to fall behind on payments. I spoke to a nice woman about 2 months ago who told me since my account was paid in full, that it could be deleted. I received my letter from the company stating that my account is paid in full. But have not yet received my deletion letter as promised. After numerous phone calls and attempts to get my letter, they told me " there is nothing more they can do for me and I have to figure it out ''. As soon as I found out my account went into charge off status i immediately paid the balance and i feel extremely disappointed that this company is just making me go in circles without giving me my letter that I was promised. And giving me false information that my account would be deleted if they didn't plan on doing that.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report. 
The following accounts were fraudulently opened in my name : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Additionally, I am requesting the deletion of the following unauthorized credit inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

Dispute XXXX Regarding this dispute, I would like to sincerely express my feelings. 

The bracelet was not in the package I received. Since I received the package on XX/XX/XXXX, it was meant to be a XXXXXXXX XXXX gift, and I planned to give it to my wife on XX/XX/XXXX. However, when we opened the package, there was no bracelet inside. I immediately contacted XXXX to request a return. On XX/XX/XXXX, I returned the package After reviewing the delivery confirmation provided by XXXX, I found that the person who signed for the package was not me. BTWI have confirmed with XXXX  that the person who signed for the package used a driver 's license. Only I have a driver 's license in our householdmy wife doesnt have a driver 's license. 

Later, because I returned to my home country, the dispute has been dealt with intermittently for some time. I have kept the evidence, filed a police report, and received the report as well. Once again, I hope American Express can process my request. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting a new complaint with Equifax. On XX/XX/XXXX XXXX  I requested the investigation of the inaccurate information in my report regarding ( Bankruptcy XXXX XXXX XXXX  ). Equifax responded stating that it was verified through the bankruptcy court. However, they did not supply the requested information as requested for review. I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. I have letters from both companies on letterhead. So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, through XXXXXXXX XXXX  XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company ( TransUnion ) on two separate occasions but they simply ignored my two items of correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/Aidvantage . My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from Aidvantage thus zeroing out these amounts with Aidvantage. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under Aidvantage that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the Aidvantage balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an Aidvantage balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the Aidvantage balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and Aidvantage balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and Aidvantage balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED AIDVANTAGE to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and Aidvantage reported the same information that I have relayed here. Aidvantage reports that my loans have been transferred from them to XXXX and are closed.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally request the removal of personal information from your credit report that is inaccurate, outdated, or not in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that you investigate and correct or remove the following personal information that is being reported : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

Loan ending in XXXX LoanCare a division of XXXX. 

I received notice of return payment for the my XX/XX/XXXX mortgage payment with Loancare. I was incredulous as I knew that I had made a payment on XX/XX/XXXX using their " Paynow '' feature. I only have XXXX accounts with XXXX  that I registered with LoanCare to deduct my monthly payments from. Those XXXX accounts are the only XXXX accounts I have ever registered to make payments from. I do make payments on another entirely different mortgage to XXXX mortgage also a division of XXXX XXXX. Somehow my LoanCare account deducted a payment or I should say attempted to make a payment from the account I use to pay the XXXX mortgage. I have a 12 month payment history that all of my LoanCare payments come out of the XXXX XXXX  accounts. I spoke with customer service and they told me that a cross over payment could never have happened and that I should delete all my payment accounts with LoanCare and start over. My reply is if I never registered the bank account, then how could I delete it? I believe this is a technical glitch with their " XXXX '' feature. The web portals for XXXX and Loancare are obviously maintained by the same technology company as they are very similar. I am adamant that I would never make a payment from any other account I am now upset that my credit report has taken a hit for having a late payment. XXXX XXXX