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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To date, Equifax is still furnishing unauthorized inquires on my credit report. I verified in writing and contacted alleged creditors about the unauthorized inquires on my profile. By law Equifax is to furnish 100 % accurate information and have my consent to furnish. I affirm Equifax does not have my consent to furnish any inquiries on my consumer credit report ; moreover I do not consent to my right to privacy and rights under the state and federal law being violated by Equifax. In closing Equifax recent investigation was not conducted properly, Equifax pursuit to the FDCRA and state laws are required to disclose to me the consumer who they investigated ( family and friends ) and the names of all individuals and persons that allegedly claim said inquires are factual. Without proper investigation Equifax is REQUIRED to remove all said inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.
Product: Credit reporting or other personal consumer reports

Credit report for XX/XX/year> I pay everything on time every month with out skipping a beat your the only credit agency dropping my XXXX XXXX XXXX points please explain in detail how when XXXX and XXXX are giving me points. Everything is identical to each other I have everything pretty straightforward over XXXX  years now y'all want to drop it XXXX points out of the blue. I'm pretty perfect and extremely confident and perfected the way I pay my bills been doing it all my life so there's no excuse for this.
Product: Credit card

I had a dispute XXXX with XXXX that was initially not resolved in my favor so the provisional credit was reversed and then this was reopened and then resolved in my favor but never received a permanent credit for this - {$26.00}. I have made multiple calls and the last I spoke to a manger named XXXX who was one of the most rude and disrespectful managers that doesn't deserve a job at all and should be fired. I need my credit
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate 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 raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all these were requested to be removed but have not been updated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you
Product: Mortgage

I originally had an issue with PNC Bank not paying all my taxes in full. They only paid Half of the taxes. This is was resolved. My issue now is that due to the fact that my taxes were paid late there were late payment fees attached. When PNC finally corrected this problem they paid the late fees out of my escrow account in the amount of {$250.00}. 
Their reason for using my escrow account was because I didnt notify them that I had two separate tax accounts. I did not know that the town of XXXX tax department had made my account into two separate bills. I do not feel that I should have this late fee taken out of my escrow account since it was not my fault. 
PNC bank is now telling me that my mortgage payment will probably go up and that I will be paying more for my monthly mortgage when they figure out what I owe in escrow.
Product: Mortgage

My mortgage was purchased by another mortgage company, and they told me I would continue to pay the same monthly amount. But months later they asked for additional chatrges, and I asked them several times to explain the additional charges. Tey have not done so. Also they took one of my mortgage payments and redireted it into a general account, instead of applying it to my mortgage. I did not authorize them to do this, and now they claim my balance is short.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

This was a high impact on my credit report as a loan opened in XX/XX/2019. I have no knowledge of this loan and have NEVER applied for a loan. When I tried to contact the company, they are no longer in business.
Product: Debt collection

I have been experiencing issues with LVNV FUNDING LLC regarding an alleged debt ( in the amount of {$740.00} ) for some time now. I recently had to send a cease and desist letter to the company, XXXX of XXXX, pleading that they stop reporting the unverifiable information associated with this account on my consumer report. With each dispute, LVNV FUNDING LLC has disregarded my letters and disputes and has yet to provide any pertinent information stating the validation and/or methods of verification of the alleged debt. Therefore, LVNV FUNDING LLC has violated my rights under 15 USC 1692c and 15 USC 1692g.

I am left with no other choice but to involve the CFPB to help me enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Failure to honor the demands within 15 days of receipt of this notice, LVNV FUNDING LLC will be held civilly and criminally liable under 15 USC 1611 and 15 USC 1692k. Additionally, I will not hesitate to enforce my rights to obtain remedy for all damages caused by this company pursuant to 15 USC 1681o. Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 
Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX
Product: Debt collection

Due to the fact that I a not a U.S citizen, I did not understand that when resolving issues, like these i had to go to all credit agencies, and because of this lack of knowledge I only contacted XXXX to have the problem resolved. XXXX XXXX XXXX recently bought an outstanding {$1000.00} XXXX debt in my name dated XX/XX/XXXX. However I had contacted XXXX about this issue ; listed under 'XXXX XXXX XXXX ( ERC ), and had it removed from their records back in XX/XX/XXXX ( XX/XX/XXXX ) when i showed proof that the social security they had on file that was connected to the debt was n't my social security. Then issue still exists under my XXXX and my XXXX files and I 'd like it removed from these scores also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.JXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the worst company I have ever talked to I have called 15 times faxed documents 5 times they lose my documents put me on hold or transferme over and over 2 hours per call minimum they have locked my report I can not access it I can not apply for credit I 'm trying to buy a house and they are refusing me access or help to fix it they are incompetent please help me sue
Product: Mortgage

Nationstar Mortgage changed the escrow amount due in my monthly payments without issuing a RESPA required statement of escrow or otherwise notifying me of the change. This caused my payment to be held in suspense since it was not sufficient to cover the full, inaccurate, amount. In addition, I was then charged a late fee for a missed payment, and reported to the credit reporting agencies as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.these inquiries added a hardship and that your rights were violated by TransUnion. Can CFPB help make TransUnion stop victimizing me.
Product: Credit card

On XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX, I contacted TD Bank regarding a 30-day late payment that was incorrectly reported on my credit report. I spoke with XXXX, a Customer Service Manager, who confirmed that TD Bank had an internal reporting error related to their minimum payment system, which impacted multiple accounts, including mine. 

XXXX acknowledged that the 30-day late payment was a mistake caused by TD Banks system error but stated that no immediate resolution was available and that they were still investigating the issue. She did not provide a clear timeline for when the correction would be made or when it would be reflected on my credit report. 

I requested : Written confirmation from TD Bank stating that this was a reporting error. 
A timeline for resolution and when the credit bureaus would be updated. 
Immediate correction of the inaccurate late payment with XXXX, XXXX, and XXXX. 

Despite acknowledging the issue, TD Bank has not taken immediate action to correct my credit report. This incorrect late payment has negatively impacted my credit score, and I am requesting CFPBs assistance in ensuring TD Bank corrects this error promptly. 

Requested Resolution : I request that TD Bank immediately update my account with all credit bureaus to remove the inaccurate 30-day late payment and provide me with written confirmation of the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in S

ection 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Debt collection

Out of the blue, I started getting calls at all hours of the day from CashNetUSA. Sometimes, I get threatening letters from them. 

I don't know these people, and I never did business with them. They must be scammers because the real company is aware and warns consumers about these frauds. 

I block their number, but they have so many, they just call from another one thr next time. The last number they called from this morning is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I attempted to pull my annual credit reports from annualcreditreport.com. I encountered an error when pulling my Equifax report - receiving a " we can not complete your request at this time. '' However, I was able to pull XXXX and XXXX. I thought that was odd, but decided to go directly to Equifax 's website to try. 


When I attempted to pull an Equifax report from XXXX, I again encountered an error, " We can't complete your request at this time. Please call the Customer Care team. '' When I called Customer Service and asked for assistance they stated that I was not able to pull my report because " my credit profile was missing a verified birth date. '' When I asked for more information and an explanation for how this could have occurred the representative stated that a lender must have submitted a different birth date and/or different information. When I asked more questions about how it's possible for a lender to revise or influence this information- which I found to be concerning- they could not give me a reasonable explanation. The rep said that they would input my birth date but that the change could take up to 30 days. When I stated that waiting 30 days for my report was unacceptable- especially seeing as this seemed to be an issue on their end- they stated that there was " nothing they could do. '' I asked to speak with a supervisor to get further clarity as to how this had happened and which lender caused the issue. The supervisor I spoke to again echoed that there was nothing I can do and that I had to wait. They also then told me that I needed to send a copy of my drivers license, birth certificate, and some other document to verify my birth date. I stated again that it was concerning that a lender supplied information that resulted in Equifax deleting my date of birth or having inaccurate information. When I protested this, the supervisor backed off and stated that it wasn't necessary for me to send additional information to verify my birth. 

I am incredibly concerned by this issue - that a lender somehow changed how my personal information is reported, but also that this is preventing me from accessing extremely important and time-sensitive information. At current, there are inaccuracies that are only showing up on my Equifax report and not the other credit reporting agencies. These inaccuracies are causing me serious financial issues since it's resulting in me being declined for a loan and my pre-qualifications for a mortgage is in jeopardy. I can't afford to wait 30 days to dispute the information on my report. 

I requested a complaint be filed, which the supervisor submitted, but I have concerns about it being dealt with appropriately.
Product: Credit card or prepaid card

I need to file a complaint against Discover for falsely advertising a credit card offer promotion for using   XXXX   XXXX  . The first  XXXX    XXXX   XXXX   came with a {$5.00} promotion. Discover told me on several occasions that I would received it this  XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.
Product: Student loan

Navient student loans servicer charged me interest during covid19 year XXXX... they told me some of my loans are not federal... all my student loans are federal they are listed under student loan website... also when all these loans were transferred to XXXX they did not charge me intrest on my loans since they are federal... I consider this a fraud they stole money from me and lied about my loans... none of my loans are private or owned by private parties. Please open investigation against Navient. If need more info please let me know Thank you Here a breakdown of all the loans from the FSA wepage These are federal loans not private Direct Consolidation Unsubsidized Total Balance {$65000.00} Direct Consolidation Subsidized Total Balance {$63000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Midland credit management inc, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants Midland Credit Management Inc. the authority to collect this alleged debt. 
-Signed Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for Midland Credit Management Inc. in case any legal action becomes necessary. 

I also stated in my letter that if Credit Midland management inc fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from Midland credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Request for Removal of Negative Credit Report Entry - Voluntary Repossession Dear CFPB, I hope this letter finds you in good health. I am writing to file a formal complaint and request your assistance in addressing a matter of utmost importance related to a negative credit report entry resulting from a voluntary repossession. This entry is currently impacting my financial wellbeing, and I believe it necessitates your attention and intervention. 

On XX/XX/2020 i had no choice but to voluntarily surrender my vehicle financed through Credit Acceptance due to financial hardship. The loan terms were originally structured in such a way that the car 's cost was unsustainable, making it impossible for me to meet the payments. The decision to voluntarily return the vehicle was made after thorough consideration of my financial situation and the implications of continuing the loan.

I would like to bring to your attention that Credit Acceptance has a history of predatory lending practices and has faced legal actions, including lawsuits by the CFPB and the New York Attorney General 's office. These lawsuits have accused Credit Acceptance of deliberately concealing vital auto loan information from borrowers, ultimately setting them up for failure. These actions are in direct violation of various consumer protection laws and U.S. Codes, including but not limited to : The Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically Sections 1031 and 1036, which prohibit unfair, deceptive, and abusive acts and practices in consumer financial services.

The Truth in Lending Act ( TILA ), which mandates transparency in lending disclosures, ensuring borrowers are fully informed about the terms and costs of their loans.

The Fair Credit Reporting Act ( FCRA ), which governs the accuracy and fairness of credit reporting, and provides consumers with the right to dispute inaccurate information on their credit reports.

Considering the ongoing legal actions against Credit Acceptance and the fact that my voluntary repossession was a direct result of their questionable lending practices, I kindly request that you investigate this matter thoroughly and take the necessary steps to have the negative credit report entry related to this repossession removed from my credit history.

I believe that by taking action to rectify this situation, you would not only be safeguarding my rights as a consumer but also sending a strong message to lenders engaging in predatory practices that such behavior will not be tolerated.

I appreciate your attention to this matter and thank you for your dedication to consumer protection. I eagerly await a resolution to this issue and request prompt communication regarding the progress of my case..