23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
The only address that should be on there is XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to dealer told me they was only going to XXXX end getting a lot of inquires XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Debt collection

I received an alert from XXXX  on or about the second of XXXX, 2019, stating that there had been some changes to my account, and I when checked my file I found out that National Recovery Agency had reported a couple of accounts that I have no knowledge about. The two accounts were reported under Account number XXXX with a balance of {$560.00} and {$340.00}. 
National Recovery Agency did not notify me of these attached debts, which I was told by XXXX agents that they were medical. National Recovery Agency just reported the issue directly to XXXX as delinquent without notifying me of the mentioned debt, which is in direct contravention of the law. The reporting thereby depressed my credit score as a result of this reckless action.
Product: Debt collection

The Company PAYPAL has my banking information so i can pay them a minimum monthly. NOW they ILLEGALLY withdrew {$7300.00} without my permission. I do not pay in full in any of my credit cards. I only pay a minimum. This is criminal. Fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

My workplace just got served a set of " legal '' Civil Division papers a day ago for some debt that I supposedly owe in the amount of over {$3000.00}. I had my Identy stolen over 15+yes ago at a local shopping mall. I reported all the cards stolen within a matter of an hour after I noticed it gone. That was XXXX. Here it is XXXX and my employer has got legal paper to garnish my wages for some debt I do not owe. I do not and have not had any credit card accounts since XXXX and the only asserts I own are my car and XXXX bank account that I have had over 20+yes with the same bank. The papers my employer received were a labeled LVNV FUNDING LLC ( plaintiff ) I have not received anything in the mail about this at all and again I have no Credit or Owe? 
I am a single mom with XXXX kids and trying to make ends meet is a challenge every week and now these people are trying to garnish my wages on something I do n't owe? How is this legal or possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is regional acceptance auto loan they kept saying verified with no documentation, XXXX XXXX that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.
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 Name : 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 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 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 or other personal consumer reports

Complaint Against Experian for Failure to Remove Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate information from my credit report. This information does not pertain to me, and its presence is in direct violation of U.S. Code 1681c-2 and U.S. Code 1681b.

Despite my repeated attempts to rectify this issue with Experian, they have been unresponsive and have not taken appropriate action to correct this erroneous entry on my credit report.

I believe this oversight is detrimental to my financial well-being and directly impacts my ability to access credit on fair terms. I request that the CFPB conducts a thorough investigation into this matter to ensure that Experian complies with the relevant federal regulations. 

I have retained documentation, including proof of my identity theft report to support my claim. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the appropriate steps to ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft caused by the Equifax data breach, and several fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and removal of the following accounts from my credit report : XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX - Account Number - Account Number - XXXX XXXXXXXX XXXX XXXX  - Account Number - XXXX XXXX. XXXX XXXX - Account Number - XXXX I have contacted XXXX, Equifax and XXXX about this matter already and nothing has been done. I have enclosed copies of the necessary documentation, including proof of data breach and FTC Identity Theft Report. Under the FCRA, you are required to block and delete ANY reporting of information resulting FROM identity theft. within 4 business days. Please confirm in writing that these accounts have been blocked and removed PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have XXXX Accounts with different amounts with XXXX XXXX XXXX {$260.00} & {$950.00} U.S. code 1692G XXXX XXXX XXXX has no state License in the state of Massachusetts
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a screenshot of my report to this complaint on XX/XX/year>. Im requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I received a email on XX/XX/year> say my account would be closed and was not told why so I called XXXX weeks later after not receiving my {$2900.00} that was in my account and was told I was not eligible for any funds and was not told why
Product: Money transfer, virtual currency, or money service

I filed two Paypal disputes on XX/XX/2018 associated with the same transaction. Transactions were for payments, one for {$1000.00} and one for {$450.00} for electrical services to be performed at my house based on a written agreement and provided plans. Electrician did not complete services as stated in the agreement and did not follow provided plan. Plans provided stated that all work performed is to be code compliant. Electrician was subsequently terminated and new electrician was hired and completed the work successfully to code with no issues. I filed a dispute with Paypal on the basis that I did not receive services as stated in original agreement with original electrician. Electrician provided Paypal his reasons for NOT completing the work. Paypal took it upon themselves to deny claims stating that I did not allow contractor to complete work and therefore was still liable for full payment which is completely and utterly false. Paypal also chose to ignore all essential elements of the agreement that were to my benefit and instead pointed to elements of the contract in which they deemed to favor the merchant in their decision to deny my claim. My claims are substantiated with pictures and documentation. Paypal 's policy is to protect consumer from not receiving goods or services as described but failed miserably in doing so in this case and should be held accountable.
Product: Mortgage

By XXXX XXXX, 2016, we had made full payment to be applied to our XXXX payment due XXXX/XXXX/2016. That money has been in the hands of LoanCare ( a subsidiary of XXXX, which is a subsidiary of XXXX XXXX, which is owned by XXXX XXXX XXXX ) since XXXX XXXX, 2016. I called LoanCare XXXX on XX/XX/XXXX and spoke with " XXXX '' XXXX XXXX. XXXX who said the XXXX money would be applied within 2-3 business days to the payment due on XX/XX/XXXX. I called two or three days later and talked with " XXXX '' Agent No. XXXX who said that the money would be applied by XX/XX/XXXX with nothing additional due for XX/XX/XXXX. On XX/XX/XXXX, not seeing that the money had been applied to the XX/XX/XXXX payment, I called and spoke with " XXXX '' Agent No. XXXX who said it would be done by XX/XX/XXXX. I asked why now it was XX/XX/XXXX and her response was she could n't speak for someone else. I responded that she had my previous calls in the call log and she agreed. I asked for her supervisor and was sent to " XXXX XXXX '' Agent No. XXXX who said it would now not be applied until XX/XX/XXXX.I said I was just told XX/XX/XXXX and he had no justification for the additional time. I asked for his boss and he called her " XXXX XXXX ''. I asked for her agent number and he said she did n't have one because she was a supervisor. I responded " Are n't you a supervisor? '' He had no answer for that. He said there was no point in talking with her because she would say the same thing. So they have had our payment since XXXX XXXX and have yet to take care of it. And spew XXXX while speaking with their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a Representative, calling me from this number. ( XXXX ) XXXX He called me regarding an account with Nationwide Recovery Systems regarding a hospital bill for {$2000.00}.

I advised the Rep that I previously paid {$700.00} toward this account & the balance was incorrect. I also advised that I was highly affected by Covid and currently XXXX. 

The Rep verified the posted payment I previously made on the account & stated he could settle the account for {$700.00}. 
I told the Rep I was willing to pay that amount after I find a place to live in a couple weeks & would contact him back when Im ready. He called me everyday harassing me & I previously advised him that I was XXXX. 
I received my credit report showing this account was reported & with the incorrect balance. 
XXXX XXXX XXXX are heartless & have no regard for consumers who have been highly impacted by Covid.
Product: Student loan

I am a parent of a XXXXXXXX XXXX. My XXXX XXXX his whole life in school. XXXX XXXX XXXX XXXX XXXX XXXX XXXX traditional learning did not serve him well. Being creative, he settled on photography to try and create a career for himself. Upon graduating from high school he trieXXXX XXXX XXXX XXXX Only one offered a course in photography and the teacher ended up asking him to teach part of that class. 
My son was aware of XXXX XXXX XXXX XXXX and its reputation as the premier photography school in the country, but every time he brought it up I said no because of the expense, and also his low GPA. School had not worked for him so far I had no reason to believe XXXX would be any different. 
Determined he contacted the school on his own and started collecting information. He talked to an admissions XXXX by the name of XXXX XXXX. XXXX XXXX asked to have a conversation with me and I declined several times before finally relenting. 
XXXX XXXX told me everything a parent of a struggling student would want to hear. He said that XXXX understood the creative mind and their curriculum catered to it. He assured me that many students with XXXX had successfully graduated from XXXX with a XXXX XXXX XXXX and went on to get high paying jobs. He assured me that my sons low GPA would not be an issue, that they make exceptions, and they did! My son applied and was accepted to my surprise. 
I agreed to visit the school. During our tour the XXXX family was highlighted over and over. At no point was there mention that XXXX had been sold to a for profit organization, XXXX. 
I was told that many students get hired from their internships and have a high paying job secured before graduation. I was shown statistics that supported this claim. I was assured that taking out a parent plus loan would never be a burden to me because they help all their graduates with placement and a high percentage make good money right out of school! According to what I was shown my son would be able to easily pay back the student loans. 
They made it seem that I was the only thing standing in my sons way of a successful future!! 


On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX sent the department of education XXXX XXXX XXXX XXXX : A Borrower 's Investigation details the specifics of the predatory nature of the school, including XXXX pages of evidence they have collected against XXXX and XXXX  by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by 12 organizations including, XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, the Debt Collective, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 

I am filing a complaint for the DOE to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 
I feel that I was negatively impacted by XXXX, hurting my chances at credit after receiving a response to my earlier dispute that accounts were " Verified '' But I don't see any details about your investigation. 
Come with receipts or be quick to delete! 


Disputed 2024 XXXX XXXX
Product: Student loan

Called MOHELA loan servicer, looking into the fact that one of my loans was XXXX and one was not at XXXX payments, stayed on the line for XXXX minutes then phone call was dropped. Try again and the loan company stated that they can not help me given they no longer have the data to my accounts. I sent in my PSLF form in early XX/XX/year>. At the time they told me to wait 90 days which I did, when calling back, 90 days, they told me they can no longer help me as they dont have the data to my account. Frustrating because one loan was forgiven and the other one with similar count was not. Now stating that they will not be able to help me until sometime in XXXX, despite me submitting my XXXX form early XXXX.
Product: Mortgage

I'm a recent widow of a totally and XXXX XXXX veteran, who passed XX/XX/XXXX. VA stopped payment of pension in XX/XX/XXXX7, mix up of claims prior to purchase of modular home. For fives years we have been putting in claims for service-connected compensation. No monies have be received since. Have paid mortgage up until XX/XX/XXXX. Husband has had symptoms of XXXX XXXX   and last base was XXXX XXXX  for three ( 3 ) years.

Have notified, mortgage company of death, and asked for a deferment until DIC and Pension are received. Have the office of representative of the congressman helping to expedite claims. In the mean time the VA have paid my utilities for one month and I haven't received SSI yet.

In desperate need of assistance, as I'm a senior with no money as of yet.
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 Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.


1 5 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 t
he information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX  XXXX -- -> : {$3100.00} XXXX XXXX XXXX  XXXX -- -> : {$440.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It was said that in the event of not paying the loan, the auto that was used to secure the loan ( collateral ) would satisfy the debt ( personal loan ) .The vehicle was voluntarily surrendered to Republic Finance LLC . There is no knowledge of the vehicle being sold or auctioned off. No correspondence has been received nor did they deduct anything from the balance owed. All that I am seeing on my consumer report is interest being added to this account every month. Inaccurate information has been reported on this account since being in collection/ charged off. Disputes have been made with updates only. Republic Finance LLC should be held accountable for reporting false, inaccurate, information on my consumer file. This account has been inaccurate since XXXX. The following laws have been violated : 1681s-2 ( a ) ( 1 ) ( a ), 1681s- ( 2 ( b ) ( i ) 1692d ( 1 ), 1692e ( 2 ) ( a ), 1681b ( a ) ( 2 ). Amount owed {$6400.00}
Product: Credit reporting or other personal consumer reports

I have been writing Equifax with no response. I am writing to dispute the accuracy of the payment status reflected on my consumer report. Upon reviewing my credit report, Equifax has my payment status as derogatory/collection/charge-off and account not disputed when in fact ; I have been disputing. XXXX has sent a letter to the consumer reporting agencies on XX/XX/2023 reflecting the payment is complete and Equifax has not updated my credit report as paid for over a year. Also, the amount is incorrect according to XXXX. The amt that's on my credit report is {$5100.00}. The acct XXXX has listed is {$5100.00}. The credit bureaus must report 100 % accurate information which Equifax is not. I have attached several documents to support my statement. Thanks!