23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX : XXXX XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the equifax data breach and my have gotten in the hands of the wrong person like scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Mortgage

Greetings, I have a FHA loan serviced by Selene Financial Service. Four months ago I requested a loan modification as my our income has been reduced. Selene approved the loan modification, we called and explained that the payment is still too high because original payment was XXXX, the new payment was XXXX still over 31 % of income. we were advised that it was just a trial payment, the new monthly payment will be lower, when asked for the term, we were told, we will know the term once our loan is fully modified. in the meantime our credit is ruined, went to low 500s from 700s. the loan was reported to the credit bureau as a delinquent loan. we received a call today XX/XX/XXXX that our interest rate will go up from 4.0 to 4.5, and monthly payment will be {$2000.00} and they increased the month left to pay off the loan. So instead of help we were XXXX by Selene Finance. According to FHA mortgage letter, the loan interest rate will never go up, but should be reduced. I have been calling the lender, to no avail. We can not accept the new term that Selene is giving us because it will be detrimental. But we also are not able to bring our loan current because we are barely making it, that is the reason we asked for help in the first place. Selene was not straight forward, we were mislead into thinking that we were going to get help. That is predatory lending. Please help us solve this issue as we do not know where to turn. 
Best regards, XXXX XXXX
Product: Debt collection

RS Clark and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, XXXX Phone # XXXX I wrote them in spring of XX/XX/XXXX, after I got a demand Letter from them. They were tasked to collect {$330.00} for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, phone # ( XXXX ) XXXX I wrote them, and told them on XX/XX/2018, I paid the check to XXXX. 
They did nothing. 
I called XXXX XXXX. They said I need to take it up with Collection Agent. I wrote RS Clark and Assoicates to remove the Derorgatory in XX/XX/2018. It only lists as paid collection. 
This had hurt my credit, and they continue to not return calls or letters to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2018 RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : XXXX XXXX XXXX, Credit Report, File # XXXX XXXX XXXX XXXX Dear Sir, This is the second and final time, I will demand that you remove this negative item from my Credit Report. 

I wrote you last spring, with proof showing the bill to XXXX XXXX XXXX was paid! 
It remains in the report. 

Please remove this at once. 

Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX I would appreciate your help. 
This check was # XXXX on XX/XX/18 {$330.00} on XXXX XXXX XXXX bank acct XXXX XXXX
Product: Student loan

Original complaint was summited against XXXX XXXX AGAIN accounts/ payments do NOT match what was submitted I'm not sure the purpose of CFPB if you don't do anything. MOHELA still has total count of payments wrong they advised me, that someone put in the wrong date?!? No worries its just a loan forgiveness. 
Contacted MOHELA on XX/XX/ and they advised me they would fix the payment count in 5-7 days I also uploaded my new certification cause i have 116 payments out of 120 SAYS 90 days to PROCESSS?????????? 3 Months to see if your loan is ready to be forgiven?
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account 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: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .15 USC 1681 Section 604 A Section 2 : It also states a consumer without my written instructions. 15 USC 16666B : A creditor may not treat a payment on a credit card account a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant gain access to my credit report online and o cant reach anyone over the phone to assist.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB nave brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX  days. Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
XXXX. If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
XXXX. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

Transunion keeps reporting a debt on behalf of the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX. 
I requested evidence of debt to both Transunion and XXXX XXXX XXXX, but both have no evidence to show. The debt is not mine, if it is they should be able to provide : a- ) What was purchased? ( goods or services ), b- ) Proof I received those goods or services, and the dates received. 
c- ) Proof I was the person who requested those goods or services. 

If Transunion claims this debt is valid, show proof, they just limit themselves to say that their investigation substantiates the debt. If that is so prove it to me because they can not prove a debt that does not exist. 

I am not attaching any files since all the files I provided before were disregarded and I do not have to prove anything, the burden of the proof is on them. They have to prove I owe something. 

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

XXXX of XXXX through XXXX of XXXX I paid my student loan to sallie May which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement
Product: Credit card

I requested a preapproval for a Venture credit card. I was denied- the reason being I had too many applications in previous 24 months. I am fully aware of their XX/XX/scrub>5/24 rule and know for a fact I do not have XXXX applications. 

When I called to challenge I was told I should apply anyway. When I was asked why I would do that if I was declined pre approval for a bogus reason, they said there was nothing else I could do. 

I was told to contact the credit bureau, but I already have copies of all my bureau reports and they show I have fewer than XXXX inquiries in 24 months. 

I have a XXXX over XXXX, income of XXXX a year, pay cards on time, no bankruptcies. 

I offered to send a copy of my credit report but they said there was no way to process it. 

I have read that Capital Ones pre approval process is flawed. I just want the card and the promised XXXX point bonus.
Product: Checking or savings account

Dear Sir, I am a client in your esteemed bank holding checking account number : XXXX, due to some fraudulent activity my account was closed. That I do not owed Bank of America any money. 
Therefore, I would request you to reactivate a new account to enable me to proceed with future transactions. 

I ensure onward I shall take care and monitor my statement carefully, to hopefully prevent my card being stolen. 

Thank you in advance for your prompt attention to the issue.
Product: Credit reporting or other personal consumer reports

Please REMOVE Charged off accounts off my credit report according to 15 US Code 1601 .... Late Payments 15 US Code 1666B... Collections 15 US Code 1692C Hard Inquires 1028A. If these items arent deleted according to 15 US Code 1681 I am owed 1000.00 per item Civil Liability DO YOUR JOB REMOVE THESE ITEMS AND UPDATE MY CREDIT REPORT AND SCORE ACCURATELY and CORRECTLY. THESE THINGS THAT ARE REPORTED I DIDNT GIVE THEM PERMISSION OR GAVE THEM MY INFORMATION SO BY LAW IT IS ILLEGAL!!!! FIX IT OR IM SUING EVERYONE BECAUSE THE PAPER TRAIL IS THERE!
Product: Debt collection

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are legally required to respond to me within 15 days. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb. Your failure to do so puts you in violation, subject to fines up to {$1000.00}. 
I trust that upon receiving this letter, you will immediately comply with my request. Please provide the investigation procedures for : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company continues to induce harm - while also misrepresenting who they are and making attempts to extort me of funds for a debt they refuse to properly validate and provide to me the very NECESSARY information I've requested in order to settle this matter. They've already admitted to the fact they will continue to report the account on the credit report as validated ( WHICH IS FALSE! ) ... further and intentionally causing harm and damage to my credit, which is a be fair and reporting accurately AT ALL TIMES, no matter what. 

This company has refused to upload proof of mailings they claim to have sent off. Please see the attachments of previous complaint. 

This company " EASTERN ACCOUNT SYSTEM '' is also NOT licensed or registered to collect and do business in the state of Georgia per the XXXX  Consumer Access website. They are based out of Connecticut but attempting to extort consumers in Georgia. Yet, this company somehow obtained personal identifying information to falsely tie me to a debt that I do not owe. A debt that's tied to several pieces of INACCURATE and highly defaming information that does NOT belong to me. They continue to fail at attaching any documents to the CFPB complaints they've responded to. They simply make blanket statements that hold zero weight and prove absolutely nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to my fraud dispute regarding a fraudulent account and unauthorized hard inquiries on my credit report. 

1. Failure to Block Fraudulent Information Despite Identity Theft Report The fraudulent account in question is XXXX XXXX XXXX ( Account # XXXX ), which was opened in XX/XX/XXXX without my consent. 
XXXX is unable to verify this account with my phone number or Social Security number, proving it is not mine. 
I do not possess the vehicle associated with this loan, do not have the keys, and do not know its location. 
I have submitted my FTC Identity Theft Report, government-issued ID, and Social Security card , as required under 15 U.S.C. 1681c-2, yet TransUnion refuses to block or delete the fraudulent account.

2. Failure to Remove Unauthorized Hard Inquiries TransUnion has failed to remove multiple unauthorized hard inquiries, despite my submission of a detailed fraud dispute. The following inquiries were fraudulent and should be removed immediately : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), credit inquiries must be authorized by the consumerthese were not. 

XXXX. TransUnions XXXX XXXX to Investigate My Dispute ( FCRA Violation ) This is my third time disputing this issue, and TransUnion continues to respond with generic denials without conducting a proper reinvestigation. 
I called TransUnion 's fraud department at XXXX, and the representative confirmed that my 75-page document was received. 
My XXXX credit report contradicts TransUnions reporting by stating XXXX missed payments in one section and XXXX missed payments in another. This proves that TransUnion is failing to conduct a reasonable investigation, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4. Legal Violations by TransUnion TransUnion is in violation of the following Fair Credit Reporting Act ( FCRA ) provisions : 15 U.S.C. 1681c-2 Failure to Block Identity Theft-Related Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681b ( f ) Unauthorized Access to My Credit Report ( Hard Inquiries ) 15 U.S.C. 1681e ( b ) Failure to Maintain Accuracy of Credit Report
Product: Credit card or prepaid card

Chase XXXX credit card charged my account {$14.00} and offered no explanation for this charge. I called chase XXXX Customer service but company offered no viable solution. I asked Customer service why i was being charged this but they declined to explain.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. 

I would like to bring to your attention the following inaccuracies : My correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I request that you update my address information accordingly. Delete ALL other addresses from my credit profile. 

My correct Name is XXXX XXXX. Please remove all other names and alias names to accurately reflect my personal information. 

I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible.
Product: Checking or savings account

I spent several hours in a physical Wells Fargo ( WF ) branch needing to obtain financial records for legal procedures against a private party. I requested a " RPPS '' report from WF Online Bill Pay department and they seemed to have no understand of this term. The retail banker spent a long time on the phone attempting to get the required information I require.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Convergent Outsourcing ( Original Creditor XXXX ) about my account. I told them I would like to make a settlement offer contingent on it being deleted. I was told that if the account was paid at the settled amount that the account would be closed and removed from my credit report within 30 days. As of now, the account is still showing on my report. I have also disputed this account in the past, it was removed, and then added again. 

Additionally, XXXX successfully acquired XXXX as XXXX XX/XX/XXXX, becoming one company and the XXXX brand is officially no more. Since the company of XXXX is closed, this makes the account void. 

Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Paid off : 100 %
Product: Credit card

On XXXX/XXXX/15, I accepted an invitation on an interstitial screen of my paypal account to apply for paypal credit, dba billmelater.com. I completed the online application quickly and the next screen said I would have an instantaneous decision. I was rejected for credit w/no explanation. 

I have a FICO score of XXXX and am a person of wealth. I found the company 's credit decision shocking. I phoned their call center and was told I would receive an e-mail explaining why I was rejected and that it would be send to the e-mail address on file for my paypal acct. 

I have never recd an communication from this company about this or anything else. 

This violates Federal banking and credit laws. If my credit has been compromised or damaged as a result, I need to file charges against paypal credit, but I can not do so w/out a full explanation of their decision. 

If this has happened to me, I have to conclude it has happened to many others. You need to investigate them
Product: Credit card or prepaid card

Hi I have an issue with BB & t I tried to apply for a car online I was trying to get a secure credit card because I need to build credit up by saying that I have to be XXXX or for a secure credit card that is not true there's kids XXXX who has a secure credit card but my bank says that I have to put a minimum deposit down of XXXX dollars but I contact that customer service and they're saying that's not accurate that I can do it without putting it down payment down I try to apply for what they said but they're saying that I have to go in person but if I do that I'm going to get the same result and I really need a answer I really don't know I'm trying to build credit and I'm only XXXX
Product: Credit card or prepaid card

Mailed {$50.00} check payment to AAA XXXX XXXX managed by Bank of America XXXX on XXXX XXXX, XXXX. Not sent to XXXX XXXX XXXX XXXX XXXX area. 
Card is interest free until XXXX. Company is denying receipt as of today, threatening late charges, threatening to end interest free promotion. 

PS All other bills sent out same day and location were received and/or cashed by other companies ( eg., XXXX XXXX XXXX on or before XXXX/XXXX/XXXX.
Product: Credit reporting

I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with TRANSUNION to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for TRASNUNION and they would not allow to speak with anyone concerning my complaints. I have furnished TRANSUNION with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit File XX/XX/22 Confirmation XXXX States Factual Record of File access and will remain on Equifax credit file for 2 years. These hard inquiries are not mine. They are from the address in XXXX XXXX FL that Equifax did take off. I DID NOT APPLY FOR CREDIT TO THESE 10 COMPANIES. SEE ATTACHED. ALSO SEE LETTER FROM XXXX, ALSO ATTACHED. 
If the hackers have my personnal information, yes, it will look like it was me, but this XXXX XXXX XXXX did not apply for credit with these 10 companies.