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

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Numerous accounts on my credit report were not opened by me. I am distressed that this information has been included in my credit profile and that your procedures have failed to ensure the highest possible accuracy in your reports. Credit reporting laws require that bureaus report only 100 % accurate information. Every measure must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed complaint # XXXX. I kindly request that you block and eliminate all erroneous information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. & 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Specifically, please remove all information related to identity theft, including the following accounts : XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX XXXX, Account number XXXX... 
XXXX. XXXX XXXX XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, date of inquiry : XX/XX/2023 XXXX. XXXX XXXX, date of inquiry : XX/XX/2023 XXXX. XXXX, XXXX of inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX  XXXX - XXXX, CA XXXX ( Address ) XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( Address ) XXXX. XXXX XXXX XXXX - XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX. ( XXXX ) XXXX XXXX Phone number XXXX. ( XXXX ) XXXX XXXX Phone number Furthermore, in compliance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information.

2. The date on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

I want a human verified response as supposed to the computer generated responses I have been getting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a letter advising me that a student loan through XXXX University was sold to a collection agency. I filed for Total Permanent Discharge ( TPD ) of this and all student loans in XXXX and final approval on XX/XX/XXXX. I contacted the collection agency with this information and XXXX which finally cleared up the " debt ''. However XXXX has reported late payments on the discharged loan in XXXX, XXXX and XXXX. 
I disputed this information with Experian & XXXX requesting the removal of all late payments, which has not be done. On top of it now they show the TPD discharge of the loan as a charge off, which is also wrong. Both Experian and XXXX have the TPD letter from the U.S. Department of Education ( XXXX ) but refuse to remove the negative information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Bank OF America have pulled my credit report on XX/XX/23 and have denied me credit which is a violation according to FCRA.

You are in violation of : 12 CFR 1002 : equal credit opportunity act 15 US Code 1642 : issuance of credit cards 15 US Code 1681m : requirements on users of consumer reports.

Thats a {$1000.00} for each violation. I am requesting your company to please reconsider my application for approval. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud. I contacted Experian on XX/XX/2022 for an update on dispute and spoke with XXXX I was told that Experian relies on hearsay for disputes they only ask the creditor if the information being disputed is correct. I uploaded documentation that this account was paid in full and they did not remove account. The specialist was told at the beginning of the call was being recorded and I was using as evidence. Once I reminded him again he acted as if there was errors on the line instead of rectifying issues. I did tell him that I would sue because they continuously report in accurate information that I submit proof for that account is not mine or was paid off. I have several items remaining on my report that needs to be removed or I will seek legal action and sue for the maximum amount that the FCRA allows.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : LATE PAYMENT XXXX XXXX XXXXXXXX XX/XX/2023 XX/XX/2023 CLOSE ACCOUNT XXXX XXXX XXXX XXXXXXXX {$630.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX, XXXX, TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I am attempting to get a mortgage and received a copy of my credit report from the Mortgage Company. My last home that I sold ( the Mortgage was with XXXX XXXX XXXX. ) is listed as unrated from the bank. This is then pulling as a foreclosure through direct underwriting. This home never went to foreclosure, and I have a copy of the HUD 1 statemnet to prove it. I have spoken to XXXX XXXX, but they say they will not discuss it, I need to send a letter and it can take up to 30 days to get an answer from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigation, they stated in writing that I was verified that these items are being reported correctly ; who verified these accounts? 

XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$270.00} Equifax Online Information {$600.00} ( This debt was not verified and put on my Credit Report x2 ) XXXX XXXX {$380.00} ( not verified to mine ) and has been paid in full and I have no idea how because its not my debt!
Product: Student loan

Weltman , Weinberg & Reis Co., L.P.A. has been contacting me about collecting on a student loan they are servicing for XXXX XXXX. After a few phone conversations, I asked them to provide documentation that verifies that they are the proper collections agency to collect on behalf of XXXX XXXX. This was back in XXXX, 2016. It has been 6 months and I still have not received any sort of verification documentation.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I receive unemployment benefits from PA via US Bank Reliacard prepaid debit card. On XXXX XXXX, 2020, my card stopped working completely. Unsure of the reason why it stopped working, I called the customer service number that same day and was told that i needed to fax over 3 documents to verify my identity. Immediately, I gathered the paperwork and faxed it over that same day. I called on on XX/XX/2020 to confirm that my fax was received by US Bank and was told my fax was received and it would take 24-48 hours for processing. Needless to say, that 24-48 hour processing time has now been 3.5 weeks to no avail. Not only have I spent hours on the telephone mostly on hold waiting to speak to someone. Speaking to someone usually gets me a different answer every time. From them, I have heard 24-48 hours to a maximum of 15 days. They told me to replace my card, but their system will not let them send out a new one to me. And also, I have been told to resend the documents almost each and every time I've called them. I have called at least 20 times and even spoke with PA Dept of Labor who tells me everything is fine on their end. I have sent or uploaded the documents a total of 9 times since XX/XX/2020 and this issue still hasn't been resolved. All I want is to be able to access my money without issue or close the account and have my money transferred.
Product: Credit reporting

I had student loans that defaulted. The loans were bought and transferred by several companies before they were rehabilitated. The original lender was XXXXBank XXXX. The loan was bought/transferred to the XXXX and then rehabilitated via XXXX. I disputed the information several times to Experian and they come back with it being validated even though I have provided information stating that the loans have been rehabilitated and derogatory information regarding the loans would be deleted. I have disputed the loan creditors ( XXXXBank XXXX ) with XXXX and the result was letters received stating that the information would be deleted from my credit report file. XXXX and XXXX have removed the information but Experian has not. Further, I was recently denied a mortgage because this information is listed as a serious delinquency on my XXXX Report. I want this information removed immediately. I have also disputed a line of credit from XXXX that I paid in full back in 2013 and a CFPB complaint with the company and it 's collector agreed to delete the information. Again Experian has not. This information needs to be removed immediately.
Product: Mortgage

In XXXX I submitted an application for financial relief assistance. It has been my experience my loan servicer has not been able to properly assist with. I have called customer service fir information and representatives have not been able to explain my options properly. I received notice I would get a call. When I asked customer service they advised it would be a letter. Another call I attempted speaking with the person assigned to review my app but was told the name and extension is just generic info listed on my notice 'no one is really assigned ' is what I was told. That same rep advised that per notes on account I didnt qualify for any assistance because loan was still new and my circumstance was not covid related. My circumstance is due to change in my income. Im currently out on short term leave due to having a baby and I am the only income due to loss of job of my partner. I need help and I have not been properly addressed or assisted.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018, I opened an account with Capital One Auto Financed. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and Capital One left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me.

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes.

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute.

A written explanation of the methods and procedures used during the reinvestigation, as required by law.

The immediate correction or removal of inaccurate information, if your investigation confirms the error.

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted.

Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action.

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Has Inaccurate Reporting Of Payment History. I've Tried Numerous Times To Dispute This False Information But They've Never Removed It. With Transunion And XXXX It Is Not Showing My Last Payment With The Bank XXXX XXXX XXXX My Last Payment Was In XXXX Of The Year XXXX. Please Either Alter And Correct This False Information On Transunion And XXXX, Or Delete The Account From Reporting On My Credit Report. 


False Information ( s ) Is Being Reported On My Credit File, Please Either Alter The Information And Make It Up To Date, Or Permanently Remove This Item From Further Reporting Incorrect Information ( s ) From My Credit Report. It Will Be Greatly Appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Debt collection

In 2015 i bought a motorcycle from XXXX XXXX in XXXX. In 2015 I bought my first home with my wife. The home was brand new construction and theft kept occurring throughout our new neighborhood. The new house next door to ours was not yet completed at the time but had all brand new appliances stolen. My new motorcycle was stolen and I reported this to police. I made contact with XXXX and the insurance about what had happened. The insurance covered through XXXX covered what I thought was 100 % of the loan. It infact did not, around {$1500.00} was left on the loan. They told me to have Gap insurance pay the remainder. I was confused with the paperwork and thought I had the right documents and steps taken. I received a debt from XXXX of {$1500.00} that was supposed to be paid for. I continue to be negatively effected by XXXX XXXX company after 5 years.
Product: Credit card or prepaid card

I was given a vanilla gift card from a client and when I attempted to use it, almost the entire balance was gone, for a total of {$190.00} missing from a purchase that I did not make. I contacted the company and filed a dispute on XX/XX/22. I was told that I would be contacted within 60 days, I have called and email multiple times because it is far beyond 60 days but no one has responded to me or contacted me.
Product: Mortgage

PRMI CONTINUES TO UNJUSTLY HARASS ME FOR REQUIRED INSURANCE PAID PRMI ITSELF SAYS IT IS NOT NECESSARY!! 

This follows complaint XXXX as the company, PRMI, is not being honest about what it says it is doing on that complaint, and to add the facts and attachments below I must add a new complaint under this system : a ) Said in letter, attached, that the issue was closed and the unjust insurance escrow was no longer needed due to adequate insurance being provided. PRMI however never sent an updated XXXX without such escrow removed, it needs to. 
b ) On the very next day, PRMI send me a letter saying a new insurance premium is being assessed! ( see attached ) c ) In the past, PRMI said this additional insurance was needed as there was a difference between the amount covered by XXXX XXXX XXXX and what the loan balance was. They later said the condo coverage was sufficient ( see a ) above ) and yet I sent Principal payment for the difference ( Mortgage balance - condo association coverage for unit ) just in case ( {$3000.00} check # 1989 ) and they still say insurance is needed! What in the world!! 
d ) This is a PATTERN OF HARASSMENT since I have started ( faithfully ) paying this mortgage. This company MUST BE FINED for harassment, for misleading me and for creating confusion, stress and causing me to seek medical care for the undue stress this has been causing me.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. ( Credit Bureau- XXXX XXXX XXXX failed to investigate this account properly after I repeatedly asked to have the account update your neglect has once again violated my consumer rights, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I called TD Bank retail services to explain to them my issues with financial hardship. I asked them if they could please work with me and they offered me the run around. Claiming that if I explained my issue to Raymour and Flanagan then they could help.

I knew that didnt make any sense but I figure I would try.

Of course XXXX XXXX XXXX  sent me back to them. Now theyre telling me that even if I cant pay that its my fault for signing up for a contract that I couldnt stick to. 

I said my contract is 3 years long, were in the middle of a pandemic-things happen. 
Then she said that there are no programs for hardship. 

How is it that a major bank like TD has nothing for hardship? Without their consumers they are nothing yet they wont work with us. 

Please help me before they report me to the credit bureaus.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXX/XX/XXXXXXXX