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

Experian deliberately re-aged a PAID XXXX XXXX  XXXX Charge-Off account. 

The account was completely paid off in XX/XX/2021, but Experian placed a new " Charge Off '' mark on my account the same month. ( I have attached documentation to prove this. ) This is a clear violation of the FCRA.
Product: Student loan

YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
I am writing you today to inform you that I am excercising my right to OPT out of having my private public Information shared with the consumer reporting agencies. I am opting out which Is full in my right. Please honor this and immediately delete and remove my Information from being reported to consumer reporting agencies immediately. OPT OUT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous forms to XXXX regarding identity theft XXXX and unotherwise XXXX  increase on my credit report I have also notified experience and XXXX who the phone do tperform due diligence and removed such inquiries without hassle hassle XXXX refuses To remove increase even though the other 2 credit bills have done so Due to the assessive inquiries on my XXXX  I'm unable to receive funding which is necessary to provide for my family causing it it extreme hardship and I desperately need this resolved I have a total 3 inquiries on my XXXX and experience but I have 35 on XXXX which is evident that there is something going on and changing refuses to supply me with proof that such inconvenience are indeed verify despite correspondence I have it's called response I have submitted requesting asking for such information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXTransunion and XXXX
Product: Credit card

Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir, Today, I received a letter from one of your offices, Wells Fargo Mediation Program XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, regarding the offering service of mediation on my closed business ( credit card ) account. Since my card was closed after the notice of identity theft, I am not sure why I have asked this service and to sign. This office stated in the letter that I have contacted with this office on unauthorized account usage. I might have contacted around that time whether my account was closed or not, but I never considered the unauthorized usage at that time. Since there is a concern of possible fraud and illegal activity on the credit cards activities in my name, this inquiry of unauthorized account usage on XX/XX/XXXX of 2023 might be performed by the third party who might have known the illegal activities. Therefore, I would like you to investigate further on this matter. 

Sincerely,
Product: Student loan

I recently re-enrolled in school for my XXXX XXXX at the University XXXX XXXX. Prior to re-enrolling I called my loan servicer, Navient, and requested information on how to make sure my loans would be put into deferment during my time back at school. They informed me there was nothing I needed to do and that NSLDS would inform them when I was officially enrolled. Fast forward to a few weeks after I had been attending classes. At this point I had received a letter from my other student loan servicer, XXXX, stating they were informed I was in school and my account was now in deferment, nothing from Navient. I called Navient and was told they had no information verifying that I was enrolled in school again. I nicely pointed out I had just received a new federal loan from Navient to cover the cost of the tuition for my XXXX XXXX and it was already showing up on my account with the status of " in school ''. They said they could not do anything because the mere fact that I had a new loan did not really mean I was enrolled ( How else would I have gotten the loan? ), they suggested we conference call with the school. We called the school and they verified I was in fact enrolled in school and they had sent the information to the NSLDS and Navient should be able to see it. Navient simply stated they could n't and to try again later. A week or two later I got a call from Navient requesting I provide proof I was in school and some additional forms to bring to the school, up to this point I have not had time to get them filled out ( I work full time and attend school, when would I have time to wait in line at the financial aid office for an hour or XXXX just to get a form stamped? ), on my account it now states that my loans are " waiting for documentation of forbearance '', which is n't even what I 'm trying to do. I will eventually get the forms stamped but I find this absolutely ridiculous. First that clearly Navient is ignoring the XXXX as both my school and other loan servicer agree the information stating I 'm enrolled is there, and second that I have a brand new loan with Navient stating I am in school and they refuse to accept that as proof. Again I ask how could I get a new federal student loan without being enrolled in school?
Product: Student loan

I have called them several times to lower my payments back to $ XXXX and was told that they couldn't do anything until XX/XX/2023. Which by that time they would have reported to my credit for 4 months and my co-signer, basically destroying our credit..
Product: Student loan

In a condance, this creditor has violated my rights under 15 USC 1681 sections 602 states I have the right to privacy 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC-1666-B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please withdraw the following items in my file : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX date XX/XX/2022 o XXXX XXXX Inquiry XX/XX/2022 o XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022
Product: Debt collection

Today on XX/XX/XXXX I called IQ Data international to ask about two collections I have. I wanted information on what each charge was and why each charge was there. My other question was going to be about why every six months IQ Data International would restart the collection since XXXX. I called and was connected to a man named XXXX XXXX who I have spoken to once before back in XXXX of XXXX. When asking about the charges XXXX said that one was for a deposit fee, and the other from the apartment company. When I asked what my lowest monthly option was XXXX said I had to qualify. We went over all income and things of that nature when completed he said I would need to pay a charge between $ XXXX {$690.00} in order to start the lowest payment of {$50.00}. I said well isn't that half of what I owe you he said no you owe {$1600.00} and the $ XXXX {$690.00} is a security of payment. When I said that's crazy that's what the last unit manager told me and he said yes that was me. I then asked to speak to someone else or a supervisor he said he is the only unit manager of the company and that the boss doesn't speak with clients only handles written complaints. Wee then argued about that and the negotiation process I stated I had spoken to a lawyer who said prices can be negotiated XXXX said I was given false information and that if he was giving me false information he could lose his license. XXXX then yelled that he had that me say me piece which he didn't had that he was going to push the documents threw and then hung up. When calling back to file a complaint I was connected again with XXXX XXXX who stated that IQ Data 's HR doesn't handle complaints nor does the companies boss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, Thank you for taking the time out of your day to read this letter. My name is XXXX XXXX and I am requesting a goodwill adjustment to remove three closed accounts from my credit reports.

Im writing this letter because back in XX/XX/XXXX, I was fired from my job due to my employer firing me because I brought up that they were miss paying me. I was a full-time employee working 40 hours each week, I got paid every 2 weeks, but my paychecks were only for one week of work. For two and a half years this was happening to me, I was getting missed paid. I brought this to their attention, and I was fired because of it. Before this happened, I never missed a Credit Card payment, my credit score was great and was saving for my future. 

When I lost my job I still needed to pay my bills and I got myself into debt {$11000.00} with three different accounts, ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXX XXXXXXXX XXXX ) I do understand that I could of handle the situation better and I do take full responsible but at this time was XXXX years old and was the sole provided for brother and sister who was living with me and still in high school. As soon as I was aware of my debt and I knew I couldnt handle it on my own anymore I enrolled in a debt relief program back in XXXX of XXXX, to help me get a grip on my payments. I completed the program as of XX/XX/XXXX never missing a payment, paid my debt back and got back in a good place with my creditors by opening a new credit card with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and never missing a payment. I also was able to get an auto loan with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and paid in full back by XX/XX/XXXX. 
I have tried everything to fix my credit, but it seems like I am stuck and must wait 7 to 10 years till they are removed from my report. I am almost 30 now and trying to buy a home and start my own family but I keep running into issues because of my credit report and score. The negative impact of these accounts could result in a denial for a loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested by removing the three closed accounts from my report, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 

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

FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Mortgage

NewRez is our loan servicer, and they failed to pay our school taxes on time. The taxes due on XX/XX/20 were in the amount of {$6700.00}. Since that due date, I have contacted NewRez over 30 times via phone and email trying to resolve the issue. As of today, XX/XX/20, NewRez has still not paid our school taxes to the XXXX XXXX  XXXX, which were due on XX/XX/20. Two late penalties have been assessed, for a total penalty of {$330.00}. 

When I contact NewRez, which has become a daily exercise, I am told that the funds were disbursed from our escrow account on XX/XX/20 to pay the school taxes. When I contact the tax collector 's office, which I last did this morning XX/XX/20, I am still told that they have not received our taxes. Dealing with NewRez has become incredibly frustrating, and they have done a terrible job as a loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Approximately 2 months ago, I sent written communication requesting validation of debt and advising I do not deal with third-party collectors. I sent a notice to cease and desist ; yet, LVNV continues to report this invalidated debt to collection agencies in violation of the law. I am attempting final mitigation before action.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these ITEMS ( A ). It is unacceptable to list these ITEMS as information without verifying them within the legally mandated time frame. I require an investigation, a deletion, or an removal of the following erroneous information on 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
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following account : ACIMA DIGITAL FKA SIMP. ( Account XXXX : XXXX ), Date Opened : XX/XX/2021, XXXX : {$2000.00}. XXXX the reporting of all fraudulent items immediately. I am not liable for this debt with ACIMA DIGITAL FKA SIMP. This account is fraudulent. I have attached a copy of my ID along with a copy of my FTC report. ( Please see attachments ). Please Cease reporting of fraudulent item immediately.
Product: Credit reporting or other personal consumer reports

Hey i notice some unauthorized inquiries on my credit report accordance with the F.C.R.A i'd like to have them inquiries removed 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 remove these inquiries from my credit report
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Equifaxs investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities.

Explanation of the Issue Failure to Conduct a Fair Investigation : Equifax failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or failed to protect such data from unauthorized access. 
The furnishing financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : Equifaxs failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation.

Legal Basis Provisions of the FCRA Violated : 15 USC 1681c ( a ) ( 5 ) : This section states that no consumer reporting agency may make any consumer report containing adverse information ( other than records of convictions of crimes ) that antedates the report by more than seven years. Additionally, a CRA can not furnish an account without my written instructions. 
15 USC 1681s-2 ( A ) ( 1 ) : This section prohibits a person from furnishing any information relating to a consumer to a CRA if they know or have reasonable cause to believe the information is inaccurate.

Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.
Product: Debt collection

Midland Funding LLC has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.
Product: Credit reporting or other personal consumer reports

Throughout the time frame of XX/XX/2024 to the present day, your company has repeatedly contacted me, claiming that I owe a debt under XXXX XXXX account number XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. 

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment.
Product: Debt collection

I had an acct with XXXX for 14 years and was never late. I became unhappy with their service and switched to XXXX XXXX XXXX. When I changed I was under no contract, I had been month to month for about 18 months and had not signed a new agreement. They called me once to tell me that I was paying to much and they were going to change my plan to make it more cost effective. I specifically said I did not want a new agreement and that I would only do it if it stayed month to month. The CSR said it would not change anything and I let her make the changes she recommended. I really do n't remember what it was something to do with the internet. I did not get any new phones as I did when I renewed my agreement before. I left XXXX some time after that and I was not told anything about any bills and paid my last bill for service. A few months later I received a notice saying I owed them XXXX for termination fees. These are fraudulent charges made by XXXX. I have disputed this four times and it gets removed and than resold to another collection agency later. its now with convergent and it is wrong. They have no signed agreements from me and I never got anything from them. Also I never received any new phones as I did when I renewed my agreement the 7 other times. They are impacting my credit dramatically and its is fraudulent charges and they need to remove them permanently, Also correct mycredit reports immediately
Product: Credit card

On XX/XX/XXXX, I purchased a motorcycle from XXXX XXXX using my Discover credit card for a total of {$9900.00}. At the time of purchase, the estimated delivery was projected between late XXXX and early XXXX. During XXXX, the estimated delivery timeframe was updated to late XXXX. 

In early XX/XX/XXXX, I received a " Notice of XXXX XXXX Bankruptcy Case '' from XXXX XXXX 's legal representatives, indicating that the company had filed for bankruptcy. Subsequently, on XX/XX/XXXX, I initiated a dispute with Discover, submitting the bankruptcy notice as evidence and explaining that I had not received the motorcycle for which I paid. 

Discover temporarily credited my account and conducted an investigation, which lasted over a month. However, at the conclusion of the investigation, Discover reversed the credit and ruled in favor of the merchant. They advised me to consult legal counsel, but I am concerned that this resolution does not align with consumer protection laws. As I am listed as a creditor in XXXX XXXX 's bankruptcy proceedings, there is verifiable proof that I did not receive the purchased product. 

I am seeking clarification on how this dispute was evaluated and why the merchant 's bankruptcy status and failure to deliver the product were not sufficient grounds to resolve the dispute in my favor. I believe this situation warrants a thorough reassessment to ensure compliance with applicable consumer protection laws and fair credit practices. 

Thank you for your attention to this matter.