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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( s ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a zero balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( XXXX ) : Transferred from XXXX to XXXX XXXX XXXX of XXXX Credit Bureau XXXX XXXX XXXX Reporting the Inaccurate Information : [ XXXX, XXXX XXXX TransUnion ] Incorrect XXXX Reported : {$59000.00} ( also the XXXX only shows XXXX of XXXX XXXX XXXX {$45.00}, XXXX which is in contrast to the balances that XXXX and TransUnion show as due by the XXXX XXXX XXXX  XXXX Correct Balance : the servicer XXXX has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected.

This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged.

Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXL XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter about inaccurate and false reporting items on my credit report on XX/XX/2021. It has been over 60 days an I haven't received a response to date. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611A clearly states that a failure to completely investigate these items within 30 days constitutes immediate removal. It has been over 45 days, and I am requesting these items be removed from my credit report immediately. I am prepared to file for litigation do to the XXXX  you have caused me over this situation. In addition, my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong people.
Product: Debt collection

Consumer Federal Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Formal Complaint against Portfolio Recovery Dear Consumer Financial Protection Bureau : I am writing to file a formal complaint against Portfolio Recovery for egregious violation of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery placed XXXX collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute the alleged debts.

I hereby declare my revocation of all communication channels with Portfolio Recovery, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide the purchase order agreements between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased may be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the accounts from my credit report.

The date on my consumer report indicating that I opened accounts with Portfolio Recovery are blatantly false. I neither received any services or products from Portfolio Recovery nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of these collections from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate your attention to this matter. 

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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed this account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block this account which is found to be fraud due to identity theft. The dispute account do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove this account. XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I am writing to you with an overwhelming sense of urgency and frustration regarding the fraudulent and negative accounts that have surfaced on my credit report. It has come to my attention that my identity has been compromised, leading to the inclusion of unauthorized and erroneous information on my credit history. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I must emphasize the severity of this situation. I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent accounts. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXXXXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I can not stress enough the urgency of this matter. Identity theft is a serious crime, and the inclusion of these fraudulent accounts on my credit report has the potential to cause irreparable harm to my financial standing. Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel. 

I expect your full cooperation and an aggressive resolution to this matter within 10 days of your receipt of this letter. I will not tolerate any further delays, excuses, or negligence in rectifying this grave injustice. 
Consider this letter a final warning before I take all necessary actions to protect my rights as a consumer and victim of identity theft.
Product: Checking or savings account

I opened the XXXX checking account based on the the promotion of {$400.00} bonus after meeting the requirements. I have met all the requirements and still have not seen the bonus in my account.
Product: Mortgage

In 2012 I filed for bankruptcy starting with a chapter XXXX then moving to chapter XXXX. Attempted to work with Bank of America ( BofA ) to modify my loan on my own and they denied me 6 times. I final went to a local company here in XXXX, Ca. I worked with XXXX XXXX ; she filled out the paperwork and I finally got approved for modification. After returning the modification paperwork and 6 months to 1 year of making the trial payments BofA finally place me back in a normal status. Some months later I noticed my mortgage wasn't on my credit report, I promptly called BofA and was told by their Mortgage Lending Department that they were obligated to report because I didn't fill out and sign a form guaranteeing my loan. I told them that wasn't fair because I signed EVERYTHING they sent. They responded by telling me I could refinance the house and then and only then would they provide me with the document necessary obligating them to report my mortgage.
Product: Debt collection

This is so agrivating paypal, which we currently owe has been calling us as early as XXXX XXXX est and as late as XXXX XXXX est sometimes they call as much as 8- 10 times per day even after I talked to them and asked them " please check the time before you call us as its way to early or way to late at night and is illegal to callus like that! " so far theyve been very nice and professional about everything except for their calling tactics
Product: Credit card

Bank of America charged me a late fee because my credit card payment did not clear by the due date of my monthly bill, despite the fact that I had automatic payment set up with the option checked " Pay to arrive on due date. '' The phone representative who I spoke with said that this option did not account for possible lags in the funds transfer between banks, which could take up to 72 hours. However, there was no warning on the automatic payment screen on their website that indicated this.
Product: Credit card or prepaid card

Someone obtained my information and had my edd debit card sent to their address in California. I filed a report with the FTC, and local police department. Bank of America found proof of fraud, which the police did as well from images of atm withdrawals about 500 miles away. The fraud was committed in another state then where I live. BOA said I failed security questions about my self so it took time for them to realize it was actually me someone else set security questions and stuff which obviously werent a curate. Cause my truth failed their screening. When I told boa they sent my card to the wrong person and they took XXXX from my account I got hung up on and was on hold for 5 days 3 1/2 hours each day on hold I finally got through to get no where its been months and still no money they say its being investigated and now my account is frozen blocking me from obtaining what little money I do still have I am stuck out of town with no way to get gas until its unfrozen I have reports and pictures of someone at an atm taking my money what more evidence is needed I moved out of town months prior to filing for edd how was someone able to obtain a card in my name be on camera and not be in jail paying back the hardship they caused I earned my right to get ui through years of hard work for what to get it stolen and my complaints and disputes pushed aside like Im garbage Im lost for words just very stressed and confused and so many questions
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist., ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$250.00}, XXXX XXXX {$150.00}, XXXX XXXX {$16000.00}, XXXX XXXX {$12000.00}, XXXX XXXX {$16000.00}
Product: Debt collection

Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with JPMCB- Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Mortgage

I am behind on my FHA mortgage for 9 months now. I would like XXXX to do a partial claim with the FHA. XXXX states that I must apply for this just as a loan modification. I am 9 months past due, and I am scared they will not get to it in time. I sent a workout package and I desperately need help. I do not want to lose my home. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting that I was late on my payments for 30-60 days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, XXXX and Transunion, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting, on behalf of XXXX XXXX, about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of missed payments but nothing has been resolved. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is closed and XXXX XXXX has sent me checks because I overpaid the account. 

I received a statement from XXXX XXXX for XX/XX/year>XXXX  with a statement balance {$380.00} that was due XX/XX/year>. A payment was made on XX/XX/year>XXXX  for an amount of XXXX. Payment was processed and accepted. 

My XX/XX/year>XXXX  statement had a balance of - {$37.00}. They may be reporting I missed a payment because I did not have a balance to pay but I should not have a low score because I paid my bill balance. Look forward to this being rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist,  in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN and XXXX XXXX has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolved, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person or company shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). ( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The account in question is XXXX XXXX Account # XXXX. Please take this matter very serious as this is my last formal complaint before proceeding with my legal options.
Product: Credit reporting or other personal consumer reports

RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND XXXX, XXXX AND EXPERIAN ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Correction Needed for Car Loan Reporting with BMW Financial Dear Consumer Finance, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. 

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repeated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period. 

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

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

Checkr continues to report false information on my mvr report, over a year later. They have not provided proof of the information reported or proof of how they obtained the information. They have been supplied a certified copy of the motor vehicle report, yet still report the falae information. In addition, they failed to follow up as promised following a previous CFPB complaint. This error has cost me employment and income. Further refusal to take proper action will lead to a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm am filing a complaint with the credit bureaus about accounts that are fraud and I have already reported this sent in letters and police reports under the 15 U.S.C 1681 15 U.S. Code 6802 still haven't been removed other than the accounts becoming verified They had 5 business days to remove the account Santandar Consumer And never did so which is a violation of my consumer rights Ive mailed notarized, and FTC report letters and the account is still on my reports.XXXX has removed the Santander account XXXX and XXXX has not and they couldn't possibly be reporting accurately if one of the three bureaus removed the " inaccurate '' information that is fraud with no method of verification XXXX has not mailed not 1 letter to me about this and XXXX is not even showing information about my credit report or score I asked for method of verification and have yet to receive anything from XXXX or XXXX regarding this account and it has now been 60days which is violating my consumer rights im trying to purchase a house and new vehicle and this is holding my report back and also defamation of character