23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I payed off my debt in full and asked the company to remove my account from collections and was told they wouldn't remove it they would only update it to show payed ... i need this account removed immediately so I can qualify for a loan for a house ... please remove from collections. I also called them back and told XXXX extension XXXX that I would file a complaint if it wasn't removed.. again she told me to file the complaint and that she wouldn't remove it only update it.
Product: Vehicle loan or lease

I reached out to Fifth Third bank spoke with representative by the name of XXXX, I advised of financial hardship due to XXXX XXXX XXXX XXXX XXXX XXXX, and asked of any options available to assist to keep my account in good standing, I have been paying this loan a little over 4 years and she advised she did not have any options available been that I had utilized deferment in XXXX and XXXX. She proceeds to threaten me my vehicle could be eligible for repossession, I again asked well being I been a good customer and Im reaching out to get any type of assistance that could help me, she stated she had none available, I then asked after a series of back and forth could I speak with a supervisor, she was hesitant about getting a supervisor kept giving me all the reasons why I should not be speaking with a supervisor. So I asked her was she refusing my request, then she place me on hold told me her sup was in a meeting and she would call me back in 48 hours, I then asked w is there any manager on duty that I could speak with, Then after the 3rd hold she place a gentleman on the line who states his name is XXXX and he advised he was the manager in the hardship department. Explained to him my situation for hardship. He states the only options available would be to surrender my vehicle or change my due date which he states could take a while due the requirements that were needed. I explained to him if I wanted to surrender my vehicle that would defeat the purpose of the call, I feel like if you a customer who is seeking help for assistance to remain in good standing, why is there not any options to help me. Im not refusing to pay just merely asking for a compromise so I can fulfill the terms of this loan. I am in a position where I had to choose between my health and my credit.
Product: Credit card or prepaid card

Once again FNBO has accepted an application in my name. Even though there are fraud alerts on my credit bureaus. This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax has fail to update my information after several attempts with them. THEY HAVE FAILED TO PROVIDE ME WITH A FULL ANNUAL FREE CREDIT REPORT AS WELL. I HAVE PROOF THAT THEY ARE SENDING INFORMATION TO MY  PO BOX ,  BUT THEY REFUSE TO PROVIDE ME WITH MY REPORTS AND REQUEST FOR THIS INFORMATION YOUR OFFICE HAS FAILED TO RESPOND TO MY REQUEST FOR REMOVAL OF THESE ITEM ON MY CREDIT REPORT THAT I DID NOT AUTHORIZATION. THIS IS ANOTHER GOOD WILL ATTEMPT BY ME TO RESOLVED THIS ISSUE. I AM SENDING ALL MY COMMUNICATION WITH YOUR AGENCY AND WITH THE COMPANIES OF NO RESPONSE TO THE FOLLOWING LISTED AGENCY ON THIS LETTER.     YOUR OFFICE HAS FAILED TO RESPOND TO A REQUEST THAT MY NAME AND ADDRESS BE UPDATED TO THE FOLLOW :  XXXX   XXXX   XXXX   XXXX  AZ  XXXX  Please remove all the other addresses off my report, as they are not deliverable to me by the  U.S.  post office, and they are not reportable as per the FCRA, since they are inaccurate.     NAMES ON REPORT SHOULD ONLY BE AS FOLLOWED :  XXXX   XXXX    XXXX    HAVE ALSO ASKED YOU AGENCY TO REMOVE THE EMPLOYER HISTORY OF THE  TWO  EMPLOYERS THAT I HAVE NEVER WORKED FOR. YOUR AGENCY CONTINUES TO NOT COMPLY WITH THE FAIR CREDIT REPORTING ACT WILL RESULT IN A CIVIL ACTION LAWSUIT DEPENDING ON YOUR RESPONSE TO THIS LETTER. I MUST REMIND YOU THAT THIS IS A GOOD WILL ATTEMPT TO RESOLVE THIS MATTER NOW IN GOOD FAITH.        XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles, handling of disputes, practically in light of the recent CFPB lawsuit, highlighted significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transaction were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and rises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear XXXX Customer Service, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries on my credit report under the provisions of 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). As a victim of the XXXX data breach, I am concerned that my personal information has been used without my authorization. 
The fraudulent accounts or entries I have identified are as follows : CREDIT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 take immediate action to : Identify and block and delete fraudulent accounts : Any accounts or inquiries related to unauthorized activity must be flagged and removed from my credit file. 
Provide confirmation : After processing, I request written confirmation that all fraudulent information has been blocked and deleted from my report. 
Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : To assist with this process, I have included the following documents to verify my identity and support my claim : A copy of my government-issued ID A utility bill or bank statement for proof of address A copy of a police report or an FTC Identity Theft Report Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
I appreciate your immediate attention to this matter. Should you need additional information or have questions, please do not hesitate to contact me at the information above. 
Thank you for your assistance, and I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX 2017 data breach at Equifax has resulted in the company effectively sharing a complete list of identifying information for me and 183 million Americans. This information was supposed to be protected and confidential but Equifax was negligent to not only allow the breach to happen but to also not share the information until a month later. 

In response, Equifax has offered incredibly minimal services in return ( and only after several key employees had sold off their stock in the company ). They are offering free credit monitoring for an unspecified amount of time.
Product: Mortgage

Paid {$420.00} for appraisal on home based upon rates that were originally quoted for a mortgage from Finance of America Mortgage dba XXXX XXXX. When documents for mortgage were provided the quoted rates were higher by XXXX. I elected to go to a different broker/lender ( XXXX a division of XXXX XXXX XXXX , XXXX ) and requested appraisal to be transferred since I paid for it. XXXX XXXX did not respond for several weeks and when they did they were uncooperative and would not provide necessary paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off some of my credit card balances and decided to order my Transunion credit report and scores on XX/XX/2021. My credit report showed my recent paid in full on my XXXX XXXX. On XX/XX/2021 my credit score was XXXX. The very next day I had several alerts from different credit unions, I bank with stating my credit score dropped to XXXX. I contacted Transunion, of course they speak how they were trained, going over all the different procedures and nothing in my favor.. I apologize because I really couldn't figure out which section to select to rectify this problem. Of course I had to problem getting my credit score. Just had a big problem with it staying the same.
Product: Debt collection

I did not authorize this debt or know this debt collector, they sent me a letter saying I owe a debt and if I called by XX/XX/XXXX to dispute the charge they would stop all collection attempts until the debt has been verified. I contacted them on XX/XX/XXXX to dispute this claim. They took my personal information and instead of stopping the collections until the debt was verified they submitted the collection to my credit report on XX/XX/XXXX. They constantly harassed me and called my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried to unfreeze my credit at Equifax for the past month. 

I have done the following. 

1. Access my account online and try to unfreeze the account. The website throws an error and doesnt work.

2. I have tried calling Equifax customer service to unfreeze the account. The representative requested I mail a copy of my social and drivers license to Equifax. I have done that and the account remains frozen. The mail was sent over two weeks ago.
Product: Credit card

I opened a credit card to get the 0 % APR on balance transfers. Given {$14000.00} line of credit, used {$7000.00} to pay down another card. Set up auto-pay so I wouldn't be late or miss a payment. Three months later, I get a letter stating they have reduced my credit limit from $ XXXX to {$7.00}. No notice, no reason - other than this big bank was not profiting off me. My credit score DROPPED XXXX points from this alone, when I was trying to improve my credit score. With all the lawsuits they have been involved in, I should have known better than to use their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent off an affidavit to Transunion to dispute their reporting on my PERSONAL information. I have a right to privacy and have no contract or agreement with them for them to use my own personal information to profit. I have attempted to get goods and services and have trouble because of false reporting from companies such as Transunion, and in this case, Transunion themselves.If nobody can use credit from inaccurate reporting what happens to the economy? 

I read that is the grave responsibility to accurately represent the consumer. As stated earlier I have had ZERO communication with Transunion, yet they continue to furnish information about me, ignoring my privacy, harming my reputation, and seemingly running a monopoly aiding in false reporting to consumers and the government. 

I sent correspondence on the XXXX of XXXX and received the receipt on the XXXX. They failed to rebut replied to the affidavit, AND sent back a letter saying they WOULD NOT investigate as required per FEDERAL law, dated XX/XX/XXXX. To be clear I sent an affidavit of truth, the disputes, and an invoice. They took 3 days to send a letter saying they would not open a dispute on information they STEAL from me and profit from. I have never received a letter from Transunion stating anything was added to my report. I have never received anything from them. They made it hard to get the report itself, saying the identification I sent wasn't enough. Then sending the requested info denied me again. I hand wrote a letter a third time and was sent a letter saying it could be not obtained for the third time. 

Transunion is monopolizing " credit profiles '' with full knowledge that consumers are the creditors, while causing harm, and disability to the consumer. I have NEVER communicated with them other than to receive my credit report ( had to go online as they WOULD NOT mail one ), so they can not be accurately reporting anything. They have not asked my peers or neighbors either. Transunion has been using color of law to prevent me from obtaining goods, damaging my imaginary " credit profile '', monopolizing securities and insurances that I sign. That I am entitled to, while helping to deny me my own extension of credit. 

As the name holder, it is my right to privacy. They took my information without my permission. Then they sold it. They then tell consumers the report they make is accurate... .I have gotten no compensation for the use of my personal information. It is completely fraudulent.
Product: Money transfer, virtual currency, or money service

I withdrew XXXX in Euro to my bank account. The transaction is still pending from my bank account. They are still holding my money in limbo without a response. Case # XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 
XXXX XXXX XXXX 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

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 XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX Please block this information from my credit report within XXXX 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 sex trafficking 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 sex trafficking 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 XXXX NDAA XXXX Section XXXX is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. 
XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Student loan

I am currently enrolled in a XXXX program and unable to pay my student loans, I have called Navient everyday for a week and most days 3 times. I have verified that my school has submitted my name to the XXXX XXXX XXXX and Navient is unable to find my information there to confirm that I am enrolled full time. I called today and pleaded with the representative at Navient to look in the system or transfer me to a supervisor that may be better equipped to assist me. Instead I was spoken to in a rude condescending manner. I had to apologize to the representative for bothering her. I do understand that Navient is trying to do all they can to get a payment for their loans. 
I do not think it is fair for these loan companies to belittle their customers by screaming at them or ridiculing the distressing financial situations of their customers. This behavior is similar to " bill collecting '' and not assisting customers. 
My school official has submitted my enrollment to XXXX XXXX every 3 months since I started my graduate program in XX/XX/XXXX. The Navient representatives are claiming that the last record of my full time enrollment in the National Clearinghouse records is XX/XX/XXXX. This information is grossly inaccurate as I am currently registered in a 3 year full time XXXX and received my loan disbursement a month and a half ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about this on XXXX. There is numerous of people they have done this too and have wronged.
Product: Debt collection

This company contacted me regarding a debt owed by XXXX XXXX XXXX. First they wouldnt disclose their identity until I confirmed my personal information. Second they are stating I owe a bill for an account that has been paid in full.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts today from the three credit bureaus ( XXXX, XXXX, and Transunion ) that there were two credit inquiries on my credit report which I didn't authorize. 

As a victim of identity theft I want the credit inquiries removed from my credit reports. I called XXXX XXXX  and XXXX XXXX XXXX  and they told me to contact the credit bureaus to remove the credit inquiries. I contacted the credit bureaus but they were not helpful.
Product: Debt collection

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, Equifax, XXXX and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to Equifax, XXXX and XXXX to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Product: Consumer Loan

In XX/XX/XXXX I was in a wreck in my Nissan truck. It was a total loss, XXXX and XXXX paid Nissan Motor Acceptance Corporation in full. XX/XX/XXXX I received a certified PIF. Email, letter and verbal confirmation from XXXX with Nissan stating that, " Thank you for financing your vehicle through Nissan Motor Acceptance Corporation and our participating dealer. This letter certifies that your vehicle is paid-in-full and the lien has been satisfied as of XX/XX/XXXX. 
Thank you for your past patronage and we look forward to assisting you with your financing needs in the future. if you have any questions, or if we can be of further assistance, please feel free to contact our office at XXXX. We are available to assist you from XXXX central time, XXXX through XXXX. 
Sincerely, Consumer Communications Nissan Motor Acceptance Corporation Customer Center XXXX '' I am now in the end stages of closing on a home and Nissan is reporting to the credit bureau that there is a balance owed on the account. After months of trying to get it resolved they will only keep me on hold indefinitely or hang up on me. I have sent them copy 's of the email and letters they sent me with the issue still not being resolved. 
I am XXXX from being wounded in XXXX while in the XXXX, this delay on my home is literally killing me because I have XXXX that are worsening due to my living conditions. I need help resolving this and am not getting a solution from Nissan.