23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have 2 accts with mohela student loans that are currently in active and in good standing. On my credit reports it shows late remarks from XX/XX/XXXX through XX/XX/XXXX. I was in a forbearance at that time, due to a tragic accident that my wife was in and she passed away and she happens to be the mother of my XXXX year old daughter so I'm currently raising her all by myself and during that time period I was offered a forbearance on my loans and I was advised that it wouldn't have any negative effects on my credit report. Well now I notice the company was reporting late payments during those time periods which is hindering alot of financial things in my life. Its stopping me from getting a promotion at work which would substantially increase my salary by approximately {$1200.00} a month, my car insurance is higher than it could be, and I'm also in the middle of trying to close on a mortgage and it's not giving me the opportunity of a prime interest rate. So this is costing me about {$1700.00} dollars more per month, all while im trying to raise a XXXX year old all by myself in a good structured environment and living situation. Somebody please help me as this matter is time sensitive so that I can close on my mortgage prior to my XXXX year old starting XXXX in XXXX which she is very excited about. This would help substantially towards helping a XXXX year olds living situation alot better if this can be corrected quickly. Thank you and XXXX bless
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that I have been a victim of identity thief. There are several accounts that do not belong to me. I have wrote letters and disputed these items with all major agencies including Experian, XXXX and XXXX and they have not remove this false and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only way to protect myself after the Equifax breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.
Product: Credit card or prepaid card

On XX/XX/2020 I received a prepaid debit Visa debit card from US Bank. It was postmarked XX/XX/2020 from ZIP XXXX. It appears it may be for the Ohio Unemployment Insurance Program. I do not live in Ohio. I have never lived in Ohio. I have never applied for unemployment benefits from ANY state. ( A couple of months ago I received a similar card from XXXX XXXX XXXX for unsolicited Arizona benefits. ) I do not know the amount on the card. I have not activated it. I tried calling US Bank but was on hold for 20 minutes with no end in sight. I am using a lot of my employer 's time trying to return/stop unemployment payouts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Countryplace Mortgage is reporting to XXXX that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, Countryplace and XXXX are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with XXXX about this. XXXX has claimed that Countryplace Mortgage certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.
Product: Checking or savings account

Formal Complaint Regarding Denied Dispute of Unauthorized Transactions I am writing to formally complain about the handling of a dispute regarding unauthorized transactions made with my account. On XX/XX/year>, between XXXX and XXXXXXXX XXXX, my wallet was stolen, and subsequently, transactions totaling {$920.00} were processed from my SoFi Bank account. 

Upon discovering these transactions, I promptly reported the theft and disputed the charges with SoFi Bank. I was informed that the review process would take up to 10 business days. However, on XX/XX/year>, I received an email from the dispute team stating that my claim had been denied. The email indicated that SoFi Bank had reached out to the merchant and concluded that the transactions were valid. 

I find this outcome both unfair and unprofessional. The transactions in question were made at an ATM, and I have no record or recollection of conducting such transactions. Furthermore, I have submitted proof supporting my claim, including : A message from another bank indicating that transactions on my other cards were denied during the same timeframe. 
A DPS receipt showing that I applied for a new drivers license on the day of the theft, as my previous license was stolen along with my wallet.

A police report documenting the theft, which I have also submitted. 
Given the evidence I have provided and the unusual nature of the transactions, I believe it is unjust for me to be held responsible for these charges. I am seeking a reconsideration of my dispute claim and a full refund of the {$920.00} that was fraudulently withdrawn from my account. I kindly request a detailed explanation of how the dispute was reviewed and why it was determined that the transactions were valid. 

Additionally, I would appreciate information on any further steps I can take to ensure this issue is resolved promptly. 

Thank you for your attention to this matter. I hope we can work together to find a satisfactory resolution. Please contact me at your earliest convenience to discuss this further.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I recently have been sending dispute letters to Experian, XXXX, and XXXX for a few accounts that have incorrect information and they refuse to update, change or remove these things and remain on my credit report for the past years. 

On XX/XX/year> The Credit bureaus stated : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. I have attached the most recent credit appeal letter I sent with all of my verified information along with my proof of identity to all three credit buearos and I have mailed it to each of them again seperately through certified mail. 

Please see into these as I have tried to resolve this with them with no solution and would like it to be rectified.
Product: Debt collection

Before XXXX XXXX put a hold on my account due to suspicious activity. They put another hold on my account due to money owed to them. 

My husband and I use a debit card tied to our checking account. So we've paid for all of our merchandise at the time of purchase. The only other money we owe them is on an XXXX issued credit card that's been on auto payments since the first month I received it. 

this has been going on for over XXXX weeks, and they still refuse to tell me how much I'm supposed to owe, or for what! They just keep taking reports, and not communicating the results.
Product: Credit reporting or other personal consumer reports

Ive contacted Lexis Nexis on several occasions requesting the removal of inaccurate information. Although I disputed the erroneous entries in writing, the company refuses to remove court information from their report. Furthermore, Lexis Nexis reports the same incorrect information to all three ( 3 ) credit bureaus. Ive contacted the courts cited in the entries and have been assured the courts dont report to the credit bureaus, nor do they confirm or deny case information. Lexis Nexis is also reporting a misspelling of my first name XXXX XXXX XXXX XXXX XXXX. I've provided everything they've requested to correct these errors. To date, there have been no changes/updates. 

Lexis Nexis reporting erroneous information is a violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the credit reporting agenciesXXXX Equifax, and XXXXfor their refusal to disclose the method of verification for disputed public record items on my consumer credit file. This refusal is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that credit reporting agencies must provide consumers with a description of the procedure used to determine the accuracy and completeness of the disputed information. 

Despite my repeated requests, the credit reporting agencies have not provided adequate information regarding how they verified the public record items on my credit report. This lack of transparency has significantly hindered my ability to rectify inaccuracies on my credit report and ensure that my credit profile is accurate and fair. 

Furthermore, I possess a letter from the Bankruptcy Court in XXXX, Maryland, which clearly states that they do not report to the credit agencies, nor do they verify and validate public record items on credit reports. This letter directly contradicts the credit reporting agencies ' claims of verification and raises serious concerns about the legitimacy of their verification processes. 

The specific provision in question, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), states : > A consumer reporting agency shall provide to a consumer in writing not later than 15 days after receiving a request from the consumer, a description of the procedure used to determine the accuracy and completeness of the information disputed by the consumer, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I respectfully request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA requirements. If the credit reporting agencies are unable to provide proper verification of the disputed public record items, they must immediately remove these items from my consumer credit file. The US Bankruptcy Court has made it clear that they do not report to the credit reporting agencies nor do they verify or validate such information. 

I urge the Consumer Finance Protection Bureau to hold the credit reporting agencies accountable for their obligations under the FCRA and to ensure that consumers are provided with the necessary information to dispute inaccuracies on their credit reports effectively. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Credit reporting or other personal consumer reports

I requested written confirmation that the subject collections be removed, as they are direct violations of the Fair Credit Reporting Act, in that the alleged collections did NOT arise from any credit transaction, and should not be reported on any credit report. The bureaus failed to comply, and the misrepresenting collections remain on these credit reports. 
Further evidence of the collections not arising from any credit transaction includes the following : - No reported high balance. 
- No reported Credit Limit. 
- No contract was signed or otherwise agreed to.
Product: Credit card

I received a card in the mail from Brink 's Money Prepaid Mastercard that I did not request or apply for. The card is addressed to me, but my name is spelled incorrectly ( XXXX vs. XXXX XXXX. While I understand that this company has a practice of buying contact information and sending unsolicited cards, this particular card arrived on the same day as two other fraudulent attempts to open credit cards using my incorrectly-spelled name ( the other incidents were with XXXX XXXX and XXXX ). That leads me to believe that the Brink 's card was actively applied for, rather than just randomly sent. 

I called the company, " cancelled '' the card ( their terminology -- it was never activated, and now it can not be activated ), and requested to be removed from their marketing campaigns. But that process was completely automated. I could not find a way to speak to a customer service representative or to report suspected fraud. There is no option for getting out of automated menus, no chat message option to contact a rep, and no method I could find on the website for reporting fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Recently my information was obtained illegally. I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX/Transunions failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect CFPB to handle this dispute with the utmost seriousness and compliance with legal standards.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by First point Collection regarding a matter they wouldn't say all though I told them I was XXXX XXXX and they called me. If this has anything to do with my credit I have the right to know since I did not do any business with this business. The agent was very rude even tho I expressed concern regarding this matter. I do not honor anything they have in there office because this is fraud and if my social is involved it will cause me harm that I do not accept. does this company have my wet signature I believe not since I have no dealings with this company. all right reserved XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations.

Regarding the removal of student loan information on the credit report, it's imperative to note that The Family Educational Rights and Privacy Act ( FERPA ), a federal law enacted in 1974, protects the privacy of student education records and applies to all public or private elementary, secondary, or post-secondary schools, as outlined under 20 USC 1232g ( b ). Therefore, the inclusion of such information on the credit report violates FERPA 's privacy protections. I demand removal of student loans off of my credit reports. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX
Product: Debt collection

One Main Financial calls me four to five times a day. I work during normal business hours and can not be contacted at work. They reach out to my husband as well. We receive several calls and voicemails a day. I have voicemails releasing private information. The voicemail states they are contacting me on a past due balance. They need to speak with me on my account it is urgent. They have left the date my payment was due. I have made contact and scheduled a full payment and they still continue to call. My payment was due on XX/XX/XXXX, today is XX/XX/XXXX. I understand if I have not spoken with anyone or made a commitment but I have.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, block, in XXXX. Due to inadequate customer service and unfair practices, which violate the consumer financial protection act. 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 and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on Trans Union and XXXX respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from Trans Union and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Product: Debt collection

Experian XXXX XXXX XXXX XXXX TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report and to file a complaint with the Consumer Financial Protection Bureau regarding the actions of XXXX XXXX XXXX XXXX  XXXX 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX XXXX has reported a debt that is past the statute of limitations. The debt is listed as Account : XXXX and Account : XXXX is inaccurately affecting my creditworthiness. 

According to my records, the statute of limitations for this debt has expired, and as such, it should not be reported on my credit report. 

I request that the credit bureau conduct an investigation into this matter and promptly remove the outdated and inaccurate information from my credit report. Additionally, I ask the Consumer Financial Protection Bureau to investigate the actions of XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with consumer protection laws. 

Please provide written confirmation once the investigation is complete and the erroneous information has been removed from my credit report. I appreciate your prompt attention to this matter. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you