23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

i got and payday loan in XXXX for XXXX at XXXX XXXX in XXXX ca XXXX of XXXX and its appears on my credit report as i got the loan on XX/XX/XXXX that's not correct i informed the credit bureau of this i sent information that this information is not correct and the credit bureau came back with this account has been verify this is not correct and i let the credit bureau know that this information is not correct and also i contact XXXX XXXX  and basically they said they cant help due to they passed this claim on to the XXXX XXXX XXXXXXXX XXXX i then contact the collection which is XXXX XXXX XXXXXXXX XXXX and let them know the information is wrong and to please stop reporting wrong information and also asked for the contract and they didn't response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a FTC complaint, and Experian still refuses to remove the items listed in the complaint. FTC report # XXXX Items to be removed Immediately : PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that Equifax conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and XXXX report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
Equifax shows only three late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing.

Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay.

Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had no knowledge of this account and did not give permission nor consent to open the account. My personal information was stolen and has been used to open various accounts.
Product: Debt collection

Repeated calls to both me and husband. Silence each time we answered. Attempted to call back. Asked for personal information without clarifying the company or reason for contacting me. Man, XXXX XXXX was very rude and blamed me for not understanding him. I had to XXXX the company to find out it was a debt collector. We have received nothing in writing from this company. I have blocked the number as they have called three times in one day. 3 calls to me, and 2 to my husband.
Product: Debt collection

I am writing to dispute certain negative items that appear on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Under law 15USC 1681i ( a ) 1 15USC 1681 ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B Upon reviewing my credit report, I have identified the following inaccurate negative entries XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these items and remove them if they can not be verified as accurate as required by FCRA. Furthermore, recent legal actions involving XXXX raise significant concerns about the reporting practices that impact consumers ' credit scores.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed the following complaint # XXXX : On XX/XX/XXXX I unfroze my credit with XXXX XXXX XXXX XXXX and Equifax. I was clear that I wanted it unfrozen for ONE DAY ONLY. I was applying that day for a new ISP and they wanted to check my credit. I had no problems with XXXX XXXX or XXXX. They both unfroze it for one day and then froze it again. I received the provided notice from Equifax that my credit has been unfrozen for ONE YEAR! This is a huge error! I have tried calling multiple Equifax phone numbers and am being told by recordings that they can not verify who I am and there is no live person for me to speak to! I have tried going online but, as you can see from the provided notification, I can not log on either! Their phone system as well as their online system are both completely XXXX up! 

At the beginning of XX/XX/XXXX Equifax sent me a letter requesting I provide them with proof of who I am. I submitted a copy of my Nevada Driver 's License, a copy of my Social Security Card and proof of social security payments I receive as I am retired. Since Equifax sent me that letter, my case was closed with cfpb. However, I never heard back from Equifax!! I still can not log onto the site and I have no idea whether my credit has been frozen or not. This is completely unacceptable! I want my credit frozen. If necessary I will hire an attorney to sue Equifax, however, I am still hopeful that cfpb can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nine months ago on XX/XX/2018 I opened an XXXX XXXX Credit Card account and it is not showing up and my Equifax Credit Score report. I asked XXXX XXXX XXXX to fix this problem and they didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had paid XXXX {$970.00} then another {$540.00}, and within a Month claimed I owed them {$1100.00} plus ... every time I would call or stop by XXXX store, they would tell me they can't take care of this problem here, you need to contact Corporate!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
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 Transunion credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Credit card or prepaid card

Company closed both credit cards without any notice and continue to report late payments after closing for no reason or notice. One card had perfect payment history at the time of being closed. I demand that Capital One be completely deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not allowed me access to my free credit report for well over a month now which is a clear violation of the FCRA. By law Im afforded a free copy throughout the remainder of the year. That report should be allowed to be accessed online, I have not broken any laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX 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

XX/XX/2019 To whom it may concern : I need your agencys assistance, yesterday I received a bill in the mail from a XXXX XXXX XXXX XXXX, and this debt collector is charging me for a fraudulent debt that I do not owe. 

They are claiming that as of XX/XX/2019, I owe a balance of {$270.00} to a XXXX XXXX XXXX   University, and their claims are totally false, as well as fraudulent. 

I have no outstanding educational debts what so ever, and I want this collection agency to remove this fraudulent debt off of any fraudulent file that they have created in my name, and I also want them to remove any false fraudulent information that they have placed on my credit files. 

I dont owe this debt, and I am not paying this collection agency, a dime, and I am writing your agency so that you can also investigate as to whether this collection agency is also billing others for fraudulent school debts. 

I want something in writing from this collection agency showing that this bogus debt has been removed from their files, as well as from my credit files, immediately.
Product: Mortgage

Select Portfolio Servicing did not adhere to RESPA XXXX Loss Mitigation Procedure. My mortgage was XXXX in bankruptcy in XXXX, 2021. During that time to present I have submitted Request for Mortgage Assistance { XXXX ]. Each request has been denied with Select Portfolio Servicing providing no reason for the denial. I was notified that no home retention options were available to me. The only options that were still available were Deed in XXXX and short sale. Another XXXX was submitted with Deed in XXXX as my option. After countless phone call from me in regards to the status of XXXX. On XXXX XXXX I received a foreclosure sales notice by mail. Upon receiving the notice contacted SPS and was told that the Deed in XXXX had been denied and that I would receive reason for the denial in mail. No reason for XXXX denial has been received. 

On XXXX i a letter stating that SPS was offering {$7500.00} relocation assistance and that the offer had to be accepted by XXXX XXXX. The document was singed by myself and XXXX other adults in the household. The complete document was returned by fax to SPS on XXXX XXXX. I called SPS on XXXX XXXX to make sure the document had been received. I was told that the document had been received and being reviewed. On XXXX XXXX I received correspondence from SPS stating that since the cash for keys offer was not returned I no longer qualified for this option. The way Select Portfolio Servicing handles the Loss Mitigation Process should be investigated thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Ally, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : I HAVE CONTACTED ALLY BANK SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I have no recollection of this debt.
Product: Credit reporting or other personal consumer reports

I havent received a credit report from XXXX. Experian has responded. They are working with me diligently to get this problem solved. I dont believe their upload system is working properly. So I am going to submit the information here. I tried three times to submit the information on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; XXXX XXXX XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

UPGRADE INC, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!
Product: Debt collection

The start of the debt was when I was a minor, my parents were responsible for me at the time not myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XX/XX/XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that TransUnion is the most professional to speak with of the three, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.
Product: Debt collection

I received a hard inquiry alert from XXXX this morning dated XX/XX/XXXX that CB Indigo Bank had contacted all three credit bureau. Their address is po box XXXX XXXX, Oregon XXXX Phone Number XXXX. 
When I called the number, a recording asked for my Social Security number. I did not give them any information. I have been on XXXX for XXXX since XX/XX/XXXX. I have no outstanding bills whatsoever and there would be no reason for this place to be contacting me. When I refused to give my Social Security number, the recording said they were a debt collector. I hung up the phone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$3000.00} cash down payment, vehicle was unsafe and wrecked XX/XX/XXXX. Vehicle still not repaired, me and my XXXX XXXXXXXX XXXX  now homeless, no signed contract, XXXX XXXX refused to repair car over 2 months ago, lost my ability to work, XXXX, homeless with my XXXX XXXX Can't purchase a vehicle elsewhere until debt removed from all credit reports and I need my down payment of {$3000.00} cash IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

An address that does not belong to me is reporting to my credit report. Please remove this address from my report as it is fraudulent. I have attached proof of ID and address.
Product: Credit reporting or other personal consumer reports

I got a loan from New Rez, which became shellpoint and a few other names. I made every payment on time in addition to making 6 extra payments. I spoke to the company, sent in proof of payments and sent credit companies proof of this. The credit companies claim they didnt receive them even though they were sent return receipt requested. This has caused me untold grief and I cant understand how they can get away with it. They were sued along with XXXX and they lost that suit. Nothing I do seems to help. Please help me get this inaccurate info off my credit record. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I wen to log into my Equifax account to retrieve my credit report. After logging in and accessing the account i noticed i could not see any reporting information and a popup loaded " XXXX '' advising to call an agent. Once I called an agent i was prompted to go through all the trouble shooting to see what the problem was. The trouble shooting did not cooincide with the nature of the problem that i had as the agent suggested me to change my password so that she can let me back into my account. This is despite me telling her that i had access to the account but once i was in the account no reporting information was available. After i did comply and changed my password and tried to log back into the account with the new password i was forced to create, i no longer could enter my account. The situation for which i called had gotten worse at the hands of the agent as now not only could i not see any reporting information i did not have access to entering my account. It is my belief that the agent on the phone restricted my access to my account while on the phone with me and has caused me a servere inconvinence.