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

I was shocked to see incorrect accounts suddenly appear on my credit report this morning, and I have no idea why. When I checked my report like I usually do, these discrepancies just popped up out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the wrong accounts were still there. Because of this, Im urgently requesting that the documents I've provided be carefully reviewed so I can stop worrying about this happening again.
Product: Student loan

I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX REF : Santander Consumer XXXX To whom it may concern : The account was verified as accurate, and I am confused as to how. 

Santander Consumer XXXX I have disputed several times with Santander under FCRA 623 to correct or remove its inaccurate reporting 's from my consumer reports. I hereby DEMAND removal of the account in its entirety. I will be forwarding this request to the XXXX and to Indiana State Attorney General and the Texas State attorney Generals office for Santander 's negligence in correcting this information and thus fulfilling its duty under FCRA as a furnisher of information. 

I previously requested that Santander stop reporting this account as open. The account status is inaccurate and inconsistent across all bureaus. The account status for this account is still being reported to XXXX as open but it also being reported to XXXX as Charged off. 



The fact that Ive submitted XXXX direct disputes with Santander, and they still have failed to correct their reporting is outrageous and a serious flaw in their responsibility to ensure maximum possible accuracy. Santander will and has tried to shift the blame to the CRAs but the CRAs are reporting what Santander has inputted into the ACDV. 

This is formal notice of intent to sue unless this information is removed from any entity in which is has been reported to. Correction will no longer suffice! I will also be asking that this and the previous CFPB complaints be submitted to the CFPB Ombudsman office, as Santander is already under violation and a consent order for these very things. 



Sincerely, XXXX XXXX
Product: Debt collection

Convergent Outsourcing is the a debt collection company trying to collect on a debt that I do not owe. I've been contacted in the past in regards of this collection but, now it's on harming my credit report. I recently disputed this same item which has been removed that was verified inaccurate. I will seek litigation for this action is it is not removed immediately.
Product: Credit reporting or other personal consumer reports

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report XXXX XXXX XXXX XXXXXXXX I NEVER BEEN LATE XXXXXXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXXXXXX NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXXXXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX  and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I don't owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Texas XXXX MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Account Number : XXXX MRS BPO , LLC , This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas, Consumer Protection and will file a complaint with the FTC. I have attached my ID Theft form. As well as turning this over to a lawyer since you added this to my credit report after I disputed this causing me to not be able to apply for some credit and causing harm and emotional stress. 

This is the second time I have told you guys Im disputing this debt. I will also file a lawsuit against this company for posting this on my credit report after I disputed it. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. 

Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. If this debt is reported on my credit report after I have disputed this debt. 
I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. 

Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 

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

I am writing to express my urgent concern and frustration regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the removal of these fraudulent items to prevent further damage to my financial standing. 

Despite submitting disputes, the fraudulent items on my credit report persist, causing considerable stress and negatively impacting my creditworthiness. 

I have attached supporting documentation, including police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

Understanding the crucial role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am urgently requesting your intervention to expedite the removal of these fraudulent items. 

Given the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and necessary steps are taken to ensure their swift removal from my credit report. 

Timely resolution is of utmost importance, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion, XXXX and XXXX. 

XXXX XXXX  {$8000.00} XXXX XXXX {$8700.00} XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX  {$8000.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit act XXXX XXXX XXXX, acct # XXXX, violated my rights! 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I have for over a year ( XXXX ), and I have been asking/requesting XXXX  XXXX to remove the unrestricted block on the accounts I paid off and place them back in active status. Also, I have asked/requested that the financial institution remove the many late fees they have continuously placed on my account during these unforeseen financial hardships I have experienced. The bank representatives have refused to assist or work with me during these challenging times. This has mentally and emotionally affected my health and financial credit profile.
Product: Checking or savings account

XXXX / XXXX / 2017 , Discover Bank created a check and called it check no.  XXXX  in the amount of  XXXX  against my account. they fraudulently signed my name and put under it By Discover Bank, authorized agent. I was shocked when I saw this. I never knew anyone could do something like this. This is literally stealing money from my account.   XXXX  I never authorized this and have tried to get them to refund my money but they refuse. They claim I agreed to this over the phone but I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID theft and have had numerus fraud accounts opened in my name over the years. It has been a nightmare trying to resolve all of this!! The most recent fraud account was opened with XXXX XXXX XXXX XXXX XXXX  XXXX it was opened on XX/XX/2021 and closed on XX/XX/2021. I was recently made aware of this account and have reached out to both creditor and Transunion about this account. I filed all the required and necessary paperwork. The other credit bearus have removed this account and deemed it to be fraud! TRANSUNION for whatever reason will not remove nor block this account! I've disputed it several times and nothing ever happens. i don't even get anything in the mail regarding the dispute. They honestly don't seem to be doing anything!! Per the FCRA they are required to block and or remove this account if the correct documents are submitted with this dispute, which they have been on more then on instance. Also transunion has my SSN incorrect and i can not get them to correct it for some reason. Ive attached a copy of my SSN card showing my correct SSN i ask that it be fixed ASAP. My contact info is as follows XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX SSN # XXXX PHONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian by mail about the credit card usage percentage that is incorrectly reporting. I have not received a response about the credit usage.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I am entitled to ensure that my private information is protected, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. 

XXXX, Experian and XXXX are consumer reporting agencies, and the OAG CHILD SUPPORT is a financial institution as defined under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have not given my consentverbal, non-verbal, written, implied, or XXXX XXXX, Experian, XXXX or the OAG CHILD SUPPORT, and I am hereby revoking any and all previous consents. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution may not disclose nonpublic personal information to an unaffiliated third party unless the consumer has been informed of their right to opt out of such disclosure. The OAG CHILD SUPPORT has never informed me of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse information in a report if it is more than seven years old, except in the case of criminal convictions. The account in question is an adverse item being reported without my permission, which is unlawful. Furthermore, 15 USC 1681s2 ( A ) ( 1 ) ( A ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. XXXX and Experian are failing to maintain such procedures. Additionally, 12 CFR 1016.7 states that a consumer may opt out of reporting services at any time. I am hereby exercising my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them.

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting

I mail certified letters too have old addresses removed they want remove them.please help then they keeping adding and took off a account that was showing 100 % on time payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/2021 i received an alert by phone from CRA XXXX XXXX  and XXXX  that NATIONAL CREDIT ADJUST reported i opened and account with a balance of {$1600.00}, i have no idea who that is, so i called the number that was listed on my credit report and it rang and rang. 

this is fraud or identity theft, i've never done business or signed any contracts with this company and never gave this company access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Bank account or service

PNC Bank Services has interfered with my financial relationship at a company called XXXX XXXX XXXX loan by paying them money not in my account. They have for XX/XX/XXXX penalized my account for insufficient funds after they made this payment, and as of Friday, XX/XX/2016 held my direct deposit from social security retirement hostage where I can not asses the account.
Product: Student loan

Hello -- I was approached to consolidate my federal student loans via a company called studentloanaid.us. They charged me a yearly fee and then managed my student loans for me under a income contingent plan. I now can not reach this company, their website is defunct and they have no functional phone numbers. I have no idea what to do about my outstanding loan. Can you please help me?
Product: Mortgage

Actually this is more info on Case number : XXXX. I do not see a way to give more information. I received a document in the mail. When I spoke with XXXX several weeks ago, he mentioned the net Principle Limit could be accessed and used. After doing my own research previously and making previous calls to Financial Freedom/One West, I doubted this was true, so I decided to test it. I tried to withdraw {$1000.00}. If he was correct, I would just withdraw the money I did n't know was mine for the asking, and pay the commission and closing fees. But, I was correct and XXXX was not. In the mail I received documents requiring my signature to adjust my mortgage so I could get my {$1000.00} check and then only receive approx {$300.00} per month, which would then not cover my living expenses on the home should it a ) not sell or b ) HUD does not approve the short sale. So, I did not sign the papers and again, I am right back where I started. I do n't have money for the commission and legal fees to sell the home and FF/One West is still pushing foreclosure and deed-in-lieu since they will not help with the closing costs. Again, this would have only cost them $ 5K last year if I sold to the first buyer ( RE commission and legal fees ), and now they have paid me {$7500.00}, which means they could have saved {$2500.00}. How could the US bail out banks when this is what they do to elderly homeowners?
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Cash app is not allowing me to receive payments from a rental tenant. That said that I have exceeded my receiving limit but refuse to tell the limit or how the limit is calculated. This can be misleading for customers because now I am unable to collect my rent payment in one transaction. The tenant is now going to have to send multiple transactions which will incur them fees from their institution and inconvenience us both. I understand that cash app has limits in place for a reason. Im happy to abide by their limits but I fee Im owed an explanation as to how what my limit is so I know how to best work with my tenants.
Product: Debt collection

On XX/XX/2022, I was notified by XXXX and XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by a Debt Collector, MRS Associates XXXX XXXX XXXX I would like to point out that XXXX is " not '' my utility company. 

Per my credit report, MRS Associates is located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX with a phone number of ( XXXX ) XXXX ; ( XXXX ) XXXX On XX/XX/XXXX XXXX and XXXX, I tried to contact them several times by phone at the numbers listed above and was kept on hold over 20 mts and then disconnected. No one was able to assist me, their phone system disconnects and asks to try again later. 

I am very frustrated with what has happened and how they have reported negatively to the credit reporting agencies. I don't know who MRS Associates is nor have they contacted me previously either by mail, phone or email. They did not take the proper steps to notify me or discuss with me. I have incredible credit status with no negative information on it, and now due to MRS Assocaites, there is a negative scar on my report.

I hope we can clear this matter up as soon as possible and MRS is held accountable for false accusations against myself and my credit reporting status. 

Thank you in advance for your time. 

XXXX