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

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from my credit report : 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 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, credit repair services, or other personal consumer reports

TD Finance refuse to reply on my 5 certified return letters. 
I requested the status of my account I requested to answer whether or not Debt was sold, assigned or else? 
I requested to answer whether or not any Attorney was retained to represent them in court? 
I requested carbon copies as per Metro2 and E-oscar submitted to all 3 credit bureaus. 
The company ignored all my requests and never replied to any of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXXXXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Product: Credit card or prepaid card

On XX/XX/2022, XXXX ( XXXX ) charged my card {$540.00}. On the same date mentioned earlier, I contacted the merchant ( by phone ) to cancel the order. ( before shipment ). The merchant confirms the cancelation verbally on the phone. Later, I noticed the abovementioned charge was posted on my credit card. After multiple unsuccessful attempts to contact the merchant, I got the GM Credit Card Company ( Goldman Sachs Bank USA, Financial Institutions ) to request dispute assistance. The financial institution open a dispute case ( Case number : XXXX ) ; however, the dispute is not resolved in my favor. The financial institutions closed the case on XX/XX/2022. On XX/XX/2022, I contacted the financial institution 's customer services to reopen the abovementioned dispute resolution. However, the customer service representative was denied to reopen the case. On XX/XX/2022, I contacted the financial institutions again to find a solution to recover my loss. However, they repeatedly refused to reopen my claim and assist me in recovering my financial damage. Furthermore, I requested a hard copy of the investigation documents and the internal memos ( notes ), but the representative refused to proceed with my request. However, I asked for this information to pursue a legal challenge if the financial institutions refused to reopen my case and assist me in recovering my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!!
Product: Debt collection

LOBEL FINANCIAL has to this very day never disclosed my full rights to my consumer rights of the USC codes set forth by Congress. I have never been given full disclosure to my right of rescission 15 USC 1635 or full disclosure of my finance charge USC 1605 and All that it covers pursuant to consumer laws, why is Lobel Financial violating the law and continuing to do so after I've made numerous complaints as they themselves have mentioned in my last complaint on XX/XX/23?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Equifax over and over by phone & by mail that I have fradugelent information reporting on my credit report. I have sent all the requested documents & they still report these fraud accounts. XXXX XXXX & XXXX XXXX XXXX are not mine and is FRAUD.
Product: Mortgage

On XX/XX/XXXX I submitted a completed " XXXX in XXXX '' package including requested documentation. I originally contacted PNC to find out what steps I could take to have my ex husband released of liability from the loans in question. I explained I wouldn't qualify for a refinance but that since being awarded sole ownership in the home I had continued paying the loan myself and did not need a cashout. 

I spoke with a supervisor who explained that I could use the newer " XXXX in XXXX '' rules to start the process, then request replacing initial XXXX ( my exhusband and myself ) holder of the loan and replace me as sole holder of the loan as singular XXXX in XXXX. Under Regulation Z ( final ruling XX/XX/XXXX ) the Ability to Repay would not be a factor, and as a Successor the rules did not consider this an assumption. Furthur it pertains to any closed end loans secured by real property. Again, I've been paying since XXXX. 

On XX/XX/XXXX I refaxed the entire package. After numerous phone calls told they me they received it and it was under review. No written or verbal notice was sent to me. 

In XXXX of XXXX after discovering that no action had been taken I contacted them again and was given numerous excuses and that my only option would be to refinance or sell my home. I was told that Successor in Interest only applied in the case of death and only applied to mortgages. They told me Regulation Z determination as to Succesor in Interest did not apply. To add insult to injury they allowed my exhusband to change the mailing address in XXXX of XXXX allowing him to get interest statements to use to deduct on his taxes regardless of the fact that it is my house! 

I am now being threatened by my exhusband 's lawyer that either his name be removed ( as court ordered ) or the selling of the home. I would lose a place to live and unable to qualify for another one. This would unfairly punish me despite paying for the home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute with Experian about an incorrect address of ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX ) reporting to my credit file. I have informed Experian on several occasions over XXXX that this address is reporting on my credit file. I have sent in Drivers License, Bills, FTC Report, XXXX XXXX reports which included that my credit file was locked and the associated account that is connected to address was fraudulently open as the XXXX 's file was frozen. I have contacted via phone calls multiple times in the past 2 month since identifying this account and have been unable to remove this account nor address associated off my credit file. 
Experian reported that the creditor verified information on several occassions but have not provided me information/ documentation of the verified information to me by mail. 
They have failed to properly investigate and remove the fraudulent accounts and PERSONAL ADDRESS from my credit file. I am writing to CFPB for assistance to complain and hopefully can assist in addressing my concerns. My next steps are to sue Experian and before I obtain a consumers lawyer and sue experian I want to continue to exhaust my options as this is causing hardship and stress to my living situation.
Product: Credit reporting or other personal consumer reports

I received a letter from Mohela on XXXX XXXX stating that my loans had been forgiven in full effective XXXX. My Mohela account show a XXXX balance and I called to verify that the loans were indeed forgiven and was told that they were. I have been checking my XXXX Credit report frequently since that time and the loans are still listed as open and with the full balance. I messaged Mohela and requested that the update the credit bureau information. They messaged me back a copy of the forgiveness letter but there was no comment about updating the credit bureaus. I then filed a dispute with the credit bureau but have not been notified of any action or resolution. I want to see the forgiven loan closed and paid in full on my credit reports. The last update Mohela did was in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 2018 XXXX latitude for less than 2 weeks. It was totaled. The company dragged their feet and wouldn't do their job while I had to get another car for my job and pay both car payments I did for a long time it almost made me lose my house because again they wouldn't do their job and one payment was missed this needs to be redacted I. Have excellent credit. And I have never missed A payment in five years since I started it.. I will be going to the XXXX XXXX XXXX for XXXX if you do not fix this and i'm not joking ... All this was not my fault as well I have never total a vehicle at my fault ....
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. XXXX Send me an updated copy of my credit report and please block and remove all information from it. The following products were obtained through fraud that I did not authorize and are not mine : In accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates that these accounts be deleted within 4 Business Days of receipt, block and destroy all information arising from identity theft. 

Thank you Block and delete accounts. 




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, credit repair services, or other personal consumer reports

I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX in the early evening i noticed that i had 250+ emails. when going through the emails i noticed they were all spam with languages that could not be deciphered. I immediately decided to check my bank account. i opened my bank account on my phone and noticed monies being moved around between accounts. almost immediately i received a phone call from the fraud department from my bank. they wanted to confirm what was going on in my account. i informed them that none of that was done by me. they immediately froze my accounts. i was at the bank for the next couple of days and it was determined that someone had access to all my information and had gotten into my bank account and opened other accounts and transferred money between all the accounts. I was told by the bank that when the scammer first got access to my account they signed into my account adding themselves as users and then every time we changed the accounts, they would try to access it, and when asked for the password would say they forgot the password. since they were users they were give a new password and would again have access to my account. with the banks help i opened new accounts ( three times ) then realized that the scammers were in the new accounts before i could even get access. the bank froze my home equity line of credit and i closed all my accounts. I now have no banking accounts in my name. i had to change my email and phone number witch has made it difficult to continue using many of the aps on my phone which were tied to my old email address. i was also advised to freeze my credit with all the credit bureaus and i also purchased lifelock. I filed a police report with my local police as well. the banks fraud department have been very helpful as has the banking staff. Seems the banking is how i became aware that my identity was breached, but i also got 1300 spam emails and numerous text messages, which led to changing my email and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from XXXX XXXX. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through Experian/the 3 major credit agencies. I did just that and Experian said " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from XXXX XXXX from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted XXXX and Experian and neither one was able to resolve this.
Product: Student loan

There are between XXXX and XXXX loans depending on which day I look. They wont allow me to consolidate. I don't know who even owns the account at this point. I have been experiencing hardship because of these PREDATORY loan companies since XXXX  Of all the loans listed there, I NEVER FINISHED A SINGLE PROGRAM BECAUSE I COULDN'T AFFORD IT!!
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of multiple unauthorized accounts from my credit report. As a victim of identity theft and several data breaches, my personal information has been compromised, leading to the appearance of accounts that I did not authorize. 
Experian has consistently failed to comply with federal law and protect my rights as a consumer. Specifically : Lack of Contractual Agreement : Experian has failed to produce any contractual agreement that binds me to the companies reporting these derogatory accounts. This is a violation of basic contract law and my rights under the Fair Credit Reporting Act ( FCRA ). 
Absence of Consent : I have not provided consent for Experian to report accounts related to my NAMED ESTATE. This is a clear violation of my Constitutional right to privacy. 
Failure to Verify : Experian has not provided any proof of verification for these debts, nor demonstrated compliance with all relevant laws and regulations in reporting them. This violates the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ).

Violation of Title 15, U.S. Code : Under Title 15, particularly 1681s-2 ( b ) and 1681i, Experian is required to conduct a reasonable investigation to determine whether the disputed information is inaccurate. Your consistent failure to do so is a blatant violation of federal law. 
FDCPA Violations : The inconsistencies and lack of verification in these accounts constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX regarding false or misleading representations. 
I explicitly state that I am NOT demanding verification or validation, as I am not granting permission to contact any company. Per federal law, specifically 15 U.S.C. 1681i ( a ) ( 1 ), these accounts must be removed within 15 days of receipt of this certified notice, or Experian will be held civilly liable. 
It is against the law to report any information not proven accurate, which is clearly the case here. Experian 's persistent refusal to remove these accounts or provide lawful reasoning for their actions is a willful violation of federal law and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXXXXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX  Balance {$730.00} XXXX XXXX XXXX  Balance {$2400.00} XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

i have contacted this company and inform them that this debt is mines i have also sent letters to this company and told that this debt is not mines i have no knowledge of this account and i need this debt to be remove off my credit report ASAP please contact XXXX, XXXX and XXXX  to get my debt remove from my credit report
Product: Credit card or prepaid card

I called American Express on XX/XX/22 to close my account. I was told my card was canceled but future transactions would be paid. I stated that is not what I wanted. I wanted my account closed with no future transactions. They said this was not their policy and would not honor my request. 
I received a callback from XXXX, a supervisor, who again stated my account would not be closed according to my request. Future transactions would be paid.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a debt that your agency claims I owe. Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt.

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges.

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease.

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency. 

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation. 

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call from someone claiming they were calling on behalf of NCA for money I stilled owe. When I asked them who it was that I still owed theyou told me XXXX, I told them I had paid them off around a year ago. After I told them that they proceed to tell me that it was actually for XXXX XXXX XXXX, which I had paid off in XXXX of 2016 and I let them know I had already paid that off but they proceed to tell me I still owed money. After I got off the phone with them I contacted my bank and they told me I owed them no money and they had no idea why this person was contacting me.