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

The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( XXXX XXXX. XXXX ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within XXXX days. Any item that can not be XXXX % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

XXXX XXXX XXXX  - XXXX
Product: Credit card or prepaid card

I called in Activate my credit I them the code and they say it was wrong it was not AND they had the wrong number they said they would contact me in five days by letter and they have not. I called and had the number correct and it still has the wrong number.
Product: Mortgage

I have repeatedly mailed, emailed and called to request that the escrow for insurance be removed from my account, but Ditech still charges me for it and threatens to charge late fees if I do n't pay the full amount. Everytime I call, Ditech notes the change request in the " system '' and verifies that they have received the hand written request and emailed proof of insurance, but still no changes to my account. There is no accountability and I can see why Ditech has filed for bankruptcy, lost XXXX dollars for this type of abuse towards their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX  5.XXXX  XXXX 6. XXXX XXXX 7. XXXX / XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

PNC bank sent me a letter stating to send them my mortgage payment they bought my loan. XXXX Called PNC  XX/XX/22 2 times requested a mortgage statement with balance escrow etc and proof of the debt I owe them. They refused said I have to pay them XXXX before they provide me with anything that the letter was it. I already made XXXX & XXXX payments to XXXX XXXX.PNC has this loan account added to my online banking and I do not do anything online with them. If they dont have proof documentation I owe them the debt of the transactions I owe them for me and a statement of the loan prior to any payment being made to them I am disputing the debt and loan and want it removed from my account and all records I do not feel I should pay a debt that they cant provide me documents proving I owe them prior to making a payment and expect me to ignore the fact they donot provide the consumer with the proof of debt or a statement to make a payment and a debt to my account without providing me anything
Product: Credit card

This card has a {$700.00} credit limit.

It has an extremely high interest rate due to its claim to help rebuild credit.

They have not allowed use of my card for 2+ weeks despite holding {$580.00} payment for 3+ weeks.

They asked me to FAX my ID to them and then hung up on me. Twice.

Further, I would like written proof of their reporting of my payments to credit bureaus.

I am not sure that is happening, either.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Date of Incident : XX/XX/year> Company Involved : Nissan Motor Acceptance I am filing this complaint regarding a billing issue with Nissan Motor Acceptance. Despite making my payments on time, the company failed to process a payment on XX/XX/year>. When I contacted customer service to resolve the matter, I was informed that there was no record of my payment, even though I had consistently made payments as required. 

Despite my efforts to resolve this issue, Nissan Motor Acceptance failed to take any corrective action. As a result, this error negatively impacted my credit report and led to a repossession that should not have occurred.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Financial Credit Network Inc. for Violations of FDCPA Dear Sir/Madam, I am writing to formally complain to Financial Credit Network Inc. , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. Recently, I discovered that Financial Credit Network Inc. has placed me in collections for an amount of {$180.00}, which I have no knowledge of and never authorized. 

I have never conducted any business with Financial Credit Network Inc. nor given them any permission to act on my behalf in any financial matters. Therefore, I believe this action is a violation of my consumer rights as outlined under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Financial Credit Network Inc. has violated the following sections of the FDCPA : 15 U.S. Code 1692f ( 8 ) : Prohibits using unfair or unconscionable means to collect or attempt to collect any debt. The unauthorized and erroneous reporting of a debt falls under this violation. 
15 U.S. Code 1692d ( 1 ) : Prohibits the use of any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The false reporting of this debt has caused me undue XXXX and XXXX. 
15 U.S. Code 1692d ( 2 ) : Prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The intimidating and threatening nature of an unwarranted collection notice is abusive and unacceptable. 
This erroneous entry has negatively impacted my credit score and caused me significant XXXX Therefore, I am requesting the following actions to rectify this situation : An immediate investigation into this matter by Financial Credit Network Inc. 
Immediate removal of this erroneous collection account from my credit report.

A written confirmation from Financial Credit Network Inc. and the credit reporting agencies that this collection account has been removed. 
I have already disputed this issue with the major credit reporting agencies and I am seeking the CFPB 's assistance in resolving this matter promptly and effectively. Also have contacted XXXX to help with this matter. 

I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and ensure that Financial Credit Network Inc. corrects this mistake immediately. Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Mortgage

SPS Servicing also known as Select Portfolio Servicing, Inc. constantly requests for documents and are always unsatisfied with requested documents when submitted. They are not willing to offer me a payment plan after the pandemic hit. They are not willing to make any kind of offers but to trick me by saying that the package I submitted was completed and a couple of days later, it gets rejected. This has occurred multiple times and has not ended. I am not looking for the loan to be forgiven, but to have options of paying for it. Now they are not allowing me to make any payments, putting me further behind into debt. This company has returned my payment of {$2000.00} mortgage payment and sent me a notice to pay the full amount in order for them to accept it. I have made them aware I was facing hardship because of the pandemic, along with being on military orders while facing divorce proceedings. This heartless and unethical of them to try to trick and block homeowners from paying their bills on time and the case XXXX is not truthful and always says my case is pending and under review for resolution. Nothing else is ever needed when asked if there was anything else required, but rejection notices always seem to follow shortly after. This cycle just repeats and now I have been referred by their attorney for foreclosure proceedings.
Product: Credit reporting or other personal consumer reports

A derogatory rating on my account has resulted in a loan denial and increased interest rates on existing credit accounts. This negative mark continues to cause severe financial and emotional distress, damaging my creditworthiness and financial opportunities.
Product: Credit reporting, credit repair services, 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 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 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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Midland Credit Management ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Midland Credit Management ), continues its collection efforts, I will file for litigation for actual damages caused and ( Midland Credit Management, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a complaint to CFPB with regard to our account with XXXX Bank and delinquencies reported on TransUnion. The case was initially resolved, and this information was removed from our credit reports. 

However, as of today, XX/XX/22, the late payment of XX/XX/XXXX is back on our reports ( XXXX XXXX and XXXX XXXX ). 

XXXX has sent multiple letters to TransUnion to update our credit file and TransUnion keeps placing this back on our credit file. 

Supporting documents attached shows late fees waived, the funds were IN our XXXX account and should have been applied to our loan account/payment - and the letter from XXXX stating delinquencies were waived from XX/XX/22 along with ANOTHER letter on XX/XX/22 stating with even more detail that this SHOULD NOT BE ON OUR CREDIT FILE. 

Our next action is to sue TransUnion as we have been dealing with this same issue for 10 months now.
Product: Student loan

I requested loan service provider assist me in getting my student loan out of default ... XXXX wanted a loan repayment plan ... XXXX was told by the loan service XXXX University XXXX XXXX XXXX XXXX I XXXX NOT take the XXXX loan XXXX XXXX XXXX ... .The only way to get it out of default is to pay it in full... .The XXXX XXXX states on my account that the XXXX  loan owed and in default XXXX {$900.00} .... University Accounting XXXX XXXX said the XXXX  loan amount owed and XXXX default is {$1700.00} XXXX .I disagree with the University Accounting I should have the right to participate in a XXXX XXXX plan ... .Why is there XXXX different amounts said I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you XXXX, XXXX or Equifax or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.
Product: Student loan

I've had my loan through Navient for many years now and now my loan is higher than when I stared mainly due to forebearance. Interest accrued while on forebearance.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed today on my XXXX XXXX that there was a new inquiry for a credit card to Webank/Avant which I did not apply for. I alerted the company by calling them today and they were sending it to their fraud department and sending me a affidavit to fill out stating fraud.
Product: Debt collection

I am having a huge problem with Barclays Credit Card Department. 

My name is XXXX XXXX and I am suffering from the negligence by the customer service agents of Barclays Bank. This has gone on far too long. 

Below breaks down XXXX accounts I have with Barclays : Account # XXXX XX/XX/XXXX of 2019 Bal {$1300.00} Barclay XXXX Account # XXXX Barclays XXXX XXXX Bal. {$2500.00} - Closed by XXXX Every time I call to make a payment, they would say they no longer handle the account. 
Unfortunately they were referring only to the XXXX account. Very misleading. 

I have spoken with XXXX who is a supervisor. XXXX XXXX ID XXXX XXXX They admitted fault for not collecting properly and this has caused continuous damage to my credit report. 

I am asking for a good will adjustment to my credit. I am requesting a deletion of both accounts. Please help me. I am a hard worker and trying to by a home for my family and this bank is not practicing the fair debt collection process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report. 

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference. 

Thank you for your prompt attention to this matter. 

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

During mid XX/XX/XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, XXXX & TransUnion. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed.

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files.

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX  Chapter XXXX  bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX  : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX : Account # XXXX  Amount : {$1100.00} TRANSUNION Chapter XXXX   Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX  : Account # :XXXX  Amount : {$1100.00}