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

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX NA According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose.

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I submitted an application to refinance our mortgage to XXXX. On XX/XX/2021, we learned from XXXX that Experian had a security freeze on my credit report and credit score. I never requested a security freeze. I went on-line to try to remove it, and could not do so because I needed a PIN number. I do not have a PIN number and could not get one via the website. I was directed to fill out a form, submit a copy of my drivers license and Social Security card, and number and mail it to Experian at Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. I did that the same day. 
I also telephoned the number given on the Experian webisite, and was unable to get the freezes removed via their voice messaging system and unable to reach a real person. 

On XX/XX/2021, I received an email from Experian acknowledging my request for help via mail, and asking me to rate their service. I did not receive any service at all. I still do not have a PIN, and I still have a security freeze on my account, and XXXX has withdrawn its offer to refinance our mortgage for that reason. Today we submitted an application to XXXX, another mortgage broker. They have advised us that the security freeze remains on my Experian account and they will not process the loan without it being removed.
Product: Credit reporting or other personal consumer reports

Ive had multiple calls from a XXXX or other XXXX XXXX XXXX / XXXX that there is a parcel for my pick up, Ive had Calls of Visits to XXXX XXXX, Ive Had Multiple incidents of XXXX Contacting Me for a loan Ive taken out, Recently I really decided to check all of this out when I noticed the hard inquiry on my credit report because I finally have evidentiary support to support all these incidents and direction through Credit Karma, I lost my license about XXXX  Months ago, and I reported it to the XXXX XXXX XXXX XXXX  and City of XXXX I have a screenshot of the date of the incident on my tablet and can support evidence of video footage near the area of XXXX where a bystander took my belongings and theft ensued All These incidents have happened after that date which was mentioned. XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint today to bring attention to my prior grievance dated XX/XX/2024. This complaint serves as a follow-up to ensure that I will achieve the expected outcome within 15 days as I update my credit reports. To ensure the realization of the anticipated results, I have reattached my recent FTC report # XXXX for your reference. Kindly eliminate the following remaining accounts, as specified per bureau : -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -TRANSUNION : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00}. This complaint serves as formal notice that failure to expeditiously remove the aforementioned accounts from my report may result in legal action. Furthermore, this is an additional notice urging the removal of accounts stemming from alleged identity theft, as outlined in Section 605B of the Fair Credit Reporting Act. It is imperative to reiterate that in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from alleged identity theft no later than 4 business days after the date of receipt. Additionally, FCRA Section 605B mandates the removal of any items listed on an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I deferred my student loans due to my XXXX and my loans were sold back and forth between Nelnet and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XX/XX/XXXX( Total XXXX ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies Nelnet and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a XXXX vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the XXXX companies are sister companies it feels like tax fraud may be involved also.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXXXXXX XXXX if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX tXXXX if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXXXXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX XXXX collection agency ( Real Time Resolutions ) in XX/XX/XXXXto start the resolution process. I requested that Real Time Resolutions provide a documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information.

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX  with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
Product: Credit card

My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no.
Product: Debt collection

I have attempted to resolve this issue previously with this company Recovery Management System ( RMS ). Upon my own recent discoveries, per XXXX, this agency is not authorized to collect a debt in neither of the two states that this alleged debt was incurred. I am curios to know why this agency has taken adverse actions against me, such as posting inaccurate information to my credit file, when their not even licensed to do business in neither XXXX nor XXXX, per XXXX. I have been violated and my consumer credit file has been damaged as a result of unfair and deceptive practices. 

Furthermore, I have not received any contracts showing a perfect obligation of me, the consumer, to pay this agency. I have not authorized this agency to have access to my non public information, and, as a result, I have been harassed about this alleged debt and my credit report has been damaged as well. My confidence in commerce has been lowered due to the lack of integrity of this agency.
Product: Vehicle loan or lease

I lost my job during XXXX and fell into some hard times I called to see if there was anything Wells Fargo can do about a reduced auto payments to give me a chance to catch up with all my bills and they denied it shortly there after that phone call my truck got repossessed And I had to pay the XXXX months I was behind plus a repossession fee of {$500.00} after I had told them not to repossess my truck that I was willing to send some part of the money but I do not have it all regarding the monthly payment they were rude and unprofessional and not understanding about XXXX situation not just mine The bank incorrectly applied borrowers payments, improperly charged fees and interest, and wrongfully repossessed borrowers vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries from Capital One on my credit report for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. 

Also there should be no security freeze, fraud alert, or any type of similar security measure on my credit report. Remove everything that will freeze or delay a credit application being accepted. 

I have let XXXX  know but they have not removed them, instead they sent me info to send in my proof of social and address. 

I did this and still nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to equifax on XX/XX/21 to validate a dispute and never received a letter back.
Product: Credit card or prepaid card

My card has been blocked for fraud on nearly every transaction Ive tried to make. In the past 24 hours, I have tried to make a purchase at XXXX for {$27.00} 3 times. Both times, Ive called in to ask to have my card unblocked. Both times, I have been told my card is unblocked and ready to use. I spent all my time before work talking to various reps about this. ( This meant I had to wait until midnight to make the purchase I had intended to do earlier in the day but couldnt because I was busy interacting with their customer service team ). 

Why am I blocked from this XXXX XXXX dollar transaction a third time? This is exhausting. 

I am having to call into this company multiple times per week to unblock ( read : get permission to use ) my card. 

To make it better ; the company doesnt have evening hours. Tried to use the card at midnight since I just got off work. Cant. Theres no way to overturn their decision, according to them, other than calling them during business hours. 

I am not being protected from fraud here. It is not protecting me to not allow me to use my card. Its unethical. Given the fact that none of my other credit cards block me from every other transaction I try to make on my card, this is probably also illegal. 

I really dont want the sun and the moon here. I wan na order XXXX or XXXX sometimes. I wan na go to the movies sometimes. I want to use my card outside of their business hours. They are being overly reckless and blocking every transaction I have for fraud. Its clear I have an extra strong Flag on my account that just goes absolutely wild. I really need to get that extreme flag taken off. 

If I am not going to be able to use my credit card with this company unless I call them multiple times a day to prove that I really wanted to spend XXXX XXXX dollars on snacks as if I am not XXXX XXXX years old, I need to cancel my account. This is the most horrible credit card company Ive ever experienced and this overzealous fraud protection shouldnt be legal.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXT # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX, XXXX & XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX  Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted LexisNexis daily since my dispute was filed as we're waiting on my credit report to be updated so we can get a home loan. I made sure my public record was updated ( the satisfaction of judgement paperwork was not initially submitted to the court ) and sent a copy to LexisNexis along with the satisfaction of judgement paperwork and copy of the check I sent. We're now at day 34 and the " investigation team '' has not once replied to a request from the contact center. I'm beyond frustrated as their investigation should've taken less than 5 minutes yet they haven't even bothered to provide one update.
Product: Credit card

I contacted citibank, citicards and citi promotions on multiple occasions to request confirmation that I had been given the XXXX XXXX  points promotion for my new XXXX  citicard. i sent them the email chain with the original targeted email promotion that was sent to me offering the CitiBank XXXX  credit card with XXXX XXXX  points bonus offer for making {$XXXX} in purchases. When I initially contacted Customer Service to check on the balance of spending on my account, I was told that I would not be receiving the bonus. I then followed up with Citi Customer Service on multiple occassions, including XX/XX/year> and again on XXXX. Although I was intiatilly told that I was ineligible, after I clarified that I had received the targeted offer, directly to me with my XXXX  customer number, I was told to forward the promotional offer email to citiaal promotions. I did this after speaking with multiple customer service representatives, including the XXXX XXXX in the XXXX who indicated that once the offer was validated I would be given the credit for the bonus offer miles. 
I accepted the online offer for this card with the bonus offer. I applied for the card online and was immediately approved. At no time was there any indication that I might not be eligible for the promotion. Citi customer service advised me to contact via the email address and that they would verify the offer that was sent to me, and the issue would be quickly resolved, so that I will receive the bonus points offer of XXXX XXXX  points. I accepted the offer and made the spend, based on the offer and with the expectation and that I was to receive this bonus. 
i asked them to credit the point to my XXXX  Account and send me a confirmation that it had been done. I requested a response to my email address, provided all of my contact information for any additional information.
Product: Debt collection

I had a membership at XXXX XXXX XXXX XXXX XXXX XXXX that became unaffordable so I requested cancellation but received no response from the club. Around the same time i lost my debit card so I had to replace it and on XX/XX/XXXX  I received an email from First Credit Services , Inc, a debt collector, stating that I owed the gym {$1400.00}. I attempted to dispute the debt over the phone with XXXX XXXX XXXX and was denied. After filing this complaint I am considering contacting an attorney to review the clubs contract.
Product: Credit reporting or other personal consumer reports

XXXX  student loans have been in IDR for the past year... I have had no late payments on this loan until XX/XX/year> when the company reported the account was 90 days past due. How is this possible? How do you go from one month paid on time to automatic 90 days late. Do this mark on my credit report it has made me unable to purchase a home. I have already suffered major loss. I reached out to XXXX to ensure that my loans where in fact in forbearance and request that in writing as well. IDR plan has been reapplied for and awaiting approval.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accounts listed below and their removal from my credit file. I am requesting a thorough investigation of these matters and the removal of the listed accounts from my file within 30 days of receipt of this letter as required by FCRA. To assist with this process, I have enclosed a copy of my identification to prevent any delays in the investigation. Since you have everything you need to investigate this, I will not accept any stalling letter assuming that anyone besides myself have initiated this dispute. I am writing on behalf of myself and without any influence from unmentioned or unauthorized parties. Any response outside of a proper and full investigation into my claim may result in assumption of willful negligence. That may result in litigation.

Thank you for your prompt attention to this matter. 
Accounts in Dispute : XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX o Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX. Bank XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX. XXXX XXXXXXXX XXXX  o Account Number : XXXX XXXXXXXX XXXX  XXXX Bankruptcy Dismissed o Reference Number : XXXX Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I am entitled to dispute inaccuracies in my credit report and request an investigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the maximum possible accuracy of the information included in my file.

Supporting Documents : I have included a copy of my government-issued ID, proof of address, and a copy of my Experian credit report highlighting the disputed items. 
Requested Action : If the disputed accounts can not be verified as accurate, please remove them from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, provide written confirmation of the investigation results and any corrections made.

Thank you for your prompt attention. I expect resolution within the required 30-day timeframe. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Credit Report ]