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

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Over the past month, Experian have made incorrect information about one of the account " XXXX XXXX XXXX XXXX ''. 15. USC 1681e ( b ) assures that promised accurucy in my report based on federal law. However they have made several mistakes to this account, first I dispute it without providing any document to ask them to correct the information of my report. However they have told me that account was correct after their research, which is a lie. Because when I called XXXX XXXX XXXXXXXX they account was paid in full on XXXX XXXX XXXX and on my report there was no close date updated and payment history shows as in collection XXXX XXXX XXXX I have attached XXXX XXXX  ). When I disputed it second time with the attached letter that is provided to me from XXXX XXXX XXXX saying paid in full on XXXX XXXX XXXX they have updated the paid date, and did not update payment history as in collection for XXXX. If the payment is already paid in XXXX, XXXX how come account is still in collection XXXX. ( Attched letter from city of XXXX ). I disputed for the third time with Experian and told them to update payment history, because it was paid in full on XXXX, and account was opend in XXXX, there's no way account will go to collection in a short period of time. However they have changed the payment history as in collection for XXXX, XXXX as of XXXX Where did this information come? I request Experian remove this account from my report since they don't even made a correct update.
Product: Student loan

I had a private loan through XXXX XXXX/XXXX XXXX that I was paying off monthly ( payment of $ XXXX- {$130.00} per month ) in XX/XX/XXXX-XX/XX/XXXX. My loan was transferred to XXXX several months ago. I believe an error was made during the transfer of the loan. XXXX is telling me my repayment plan is interest only and that my monthly payments are approximately {$210.00} per month. I never received notice of any change to the terms of my loan. 

Ive made several payments to XXXX over the past three months simply to avoid further damage to my credit. Ive emailed XXXX 4 times, asking for an explanation of these monthly payments and requesting the original loan documents. They have told me I will receive the original loan documents within 7 to 10 days. They have not sufficiently explained the change in my payment plan or provided documentation regarding the change. 

Today, XX/XX/XXXX, I called and spoke with a XXXX representative. I explained my concerns and he not only would not substantiate the change in my loan payment status, he argued with me and was very condescending. He told me that I had to provide documentation regarding my payment plan with XXXX/XXXX. I told him that I would not be making any further payments until I can confirm that this is indeed my loan and someone provides me documentation regarding the terms of repayment. 

I logged on to the XXXX  website and could find no record of my loan with them, or a payment history ( oddly enough, however, my non-private loans, which were consolidated and transferred to Nelnet, do appear on the XXXX  site ). I emailed XXXX and asked that they send me the original loan documents and my payment history. They have not yet responded. 

I am troubled that I can not find my loan on XXXX site. I had issues with my federal loans ( when XXXX was still XXXX  ) a couple of years back and had to enlist the help of the Dept of Ed Ombudsman Group and the MN Attorney Generals Office to resolve those issues. There should be  documentation of my loans and payment history ( I do have evidence of my payments to XXXX/XXXX  in my email and my bank records, as well as tax documents ). I am concerned this is not my loan. If it is my loan, XXXX should be able to provide documentation about the terms of the loan. I would never have agreed to an interest-only payment plan. I am worried about the negative impact this has or will have on my credit. Finally, I am once again astounded by the deplorable customer service of yet another student loan servicer. I have asked for assistance in understanding whats happening here and rather than working with me and offering me information or additional resources, I am being talked down to and given the runaround. It should not be on the consumer to provide information regarding the previous terms of loan repayment to the new servicer. They should have this information, as should XXXX, and it should be readily available to me. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

Went to the store and they offered a credit card but didnt disclose any details or information about leaving any hard inquiries on my report. The cashier at the store didnt explain anything about promotion or any details about the credit card. I never received anything. Per law 15USC1681b it should be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

Income insufficient to meet credit obligation Average of the open credit card trade utilizations verified in past XXXX  months Amount of estimated annual income Length of time on sources confirming identity The input address is verified but may not be primary residence No evidence of phone service at address Insufficient Age All those information are incurrent. I reach out to the credit correct and none of these information are corrected. I provide them with everything that was requested of me and still this linger on my account. According to 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) must remove or modify inaccurate or unverifiable information from a consumer credit profile. describe you did not investigate & violated my rights
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX 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 Balance : {$160.00} XXXX & XXXX XXXX Balance : {$900.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/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 would like an item removed from credit report from XXXX due to age of delinquency, it's been 7+ years since account was delinquent/ charged off.
Product: Debt collection

Beginning of XX/XX/2019, Radius Global Solution being calling my cellphone with effort to collect on a debt that i don't owe. They never sent me an correspondent to let me know they were collecting money, nor did they allow me to properly validate this alleged debt prior to the calls to me phone. Since then, I have sent a pending litigation letter to them in effort to settle this matter prior to moving forward seeking remedy in courts.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I have tried to get this account removed in the past using the Fair Credit Reporting Act laws and it has been a true nightmare to deal with XXXX XXXX. 

First off, I requested a form of 1099-c which is a cancelation of debt about 3-4 years ago, to which I was told by them that they can not hand that to me till 7 years after the account was charged off. I don't know if this information is true but with the way things are going, seems like I will never get said form. 

XXXX XXXX is also reporting inaccurate and invalid information on my credit report as of XX/XX/XXXX which includes the date of the last activity and the date of the last payment on my credit report across the three credit bureaus Transunion, XXXX and XXXX, thus damaging my creditworthiness. 

Furthermore, XXXX XXXX is also reporting a payment history as of XX/XX/XXXX, which is long after the account has been charged off. 

There is more inaccurate and invalid data being provided to the credit bureaus by XXXX XXXX as well, like the reporting of this account as 'open ' even though it was charged off in XXXX. 

Under the Fair Credit Reporting Act laws, XXXX XXXX has been violating so many regulations which are grounds for the removal of this account from the Credit Bureaus.

The statute of limitations in the state of California is seven ( 7 ) years ; according to The Fair Credit Reporting Act, this account should have already been removed from my credit profile. However, due to the illegal and unethical reporting from XXXX XXXX, this account remains on my credit report even after 7 years and will continue to remain because they have reported a payment history as of XX/XX/XXXX, therefore restarting the statute of limitations that applies to me through my state of residence ; California. 

Please understand my frustration as I have been trying to clean up my credit profile for my sake and the sake of my family.
Product: Debt collection

XX/XX/2012 I contacted Conns and reported i needed help to notify the proper department of that my house had been broken into and i was told just bring the police report because my account was cover by insurance i purchased through Conns. I brought the reports to Conns and they politely thanked me and asked me if i needed help picking out replacement items. I didnt find any of the same items though. The next day my account was handed over to conns in house collections. I was told by the manager he did some investigations of his own and he be XXXX a female tries to pull wool over his eyes. He claimed to have read the police reports but still wouldnt handle the proper steps into my account being handled by his insurance department. He claimed i was wasting time and said women are to ignorant to handle a financial decision and i will just have to learn.
Product: Credit card

XXXX XXXXXXXX XXXX XXXX  currency of XXXX XXXXXXXX XXXX refuses to allow customer equal credit account of XXXXXXXX XXXX  and correspondence contains a XXXX XXXXXXXX XXXX infringed banking notice to customer with writing to customer outside of propper name format. Notice is contaminated with XXXX XXXX XXXX and XXXX XXXX  contaminated people interfere with federal account web page and deny access to customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Numebr XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX and XXXX Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on GOLDEN 1 CREDIT UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Product: Credit card or prepaid card

I received an ad in the mail to apply for a credit card. I got an email on XX/XX/XXXX saying I was approved for a credit card and that I needed to call to establish membership. I called and they said that if it they did over the phone it would be another hard inquiry so they walked me through applying online. It asked for the same documents that I submitted with my credit card and the rep told me it would link up would just take 1-2 days. Turns out that didn't happen so had to call to get figured out which they placed me on hold for about 30 minutes to do? Finally my bank account was opened and just now I was called saying I would need to submit a new application? I feel like this is a phishing scheme to get my information at this point.
Product: Credit card

From XX/XX/XXXX to XXXX, I made several purchases from XXXX XXXX on my XXXX XXXX. I also returned items and received price adjustments. 

On XX/XX/XXXX, I noticed XXXX charges from XXXX XXXX that I did not make : XXXX - {$330.00} XXXX - {$160.00} Note : I did purchase a pair of corduroy pants on XX/XX/year> for {$160.00}. Both XXXX and XX/XX/year> showed up on my account. XX/XX/year> is legitimate, XXXX is not. 
XXXX XXXX  that afternoon I called XXXX at XXXX ( XXXX ) XXXX and spoke with XXXX. She said she could see no record of those transactions on my account and suggested I dispute the transactions. I then called the XXXX XXXX XXXX at XXXX XXXX XXXX and spoke with XXXX, the salesperson who I purchased a pair of corduroy pants from on XX/XX/year>. She said that she can't see any information on my account regarding the XXXX transactions and also suggested I dispute. 
I called XXXX XXXX and was told these XXXX charges were fraud and that I had spoken with both XXXX and the XXXX XXXX store at XXXX XXXX XXXX, both had no record of the transactions. The XXXX charges were taken off my account and I was told I would not have to worry about them. My account was closed and I would be sent a new card in 48 hours. 

XX/XX/XXXX, I noticed that the XXXX charges from XXXX XXXX were back on my account. I called up and spoke with XXXX and recounted what happened. She said that there were a lot of credits put on my account so the dispute person assumed I got my money. I explained to her that the credits to my account were returns ( I had returned XXXX corduroy pants since they were the wrong size ) and price adjustments. XXXX said she would write these up a second time and not to worry about it. 

XX/XX/XXXX, I noticed that I the {$160.00} was back on my account and I was charged an additional {$75.00} from XXXX XXXX. I called up at XXXX XXXX  and asked to speak with a supervisor. I recounted my story and she was not helpful. She said she will put a note in so that XXXX will call me back in 48 hours. I explained I am a teacher and am not available until after XXXX XXXX. I asked her if there was anything else that can be done, she said no and hung up. 
I then called XXXX Investments to see if I can get help on this issue. I found on XXXX that XXXX XXXX is the Vice President of Credit Card Products. I am waiting to hear back. 

In addition, on XX/XX/XXXX I called up XXXX XXXX to discuss a charge for {$310.00} that my therapist 's office, XXXX, charged me incorrectly. I recounted the story that one of the secretaries decided to arbitrarily charge my card because I have a balance without submitting to insurance. I have a balance because my therapist did not submit his billing. I was told this would also be taken care of. 

On XX/XX/XXXX, I also noticed this charge was back on my account. I spoke with XXXX about it and was told it would be resubmitted to the dispute team.
Product: Credit reporting or other personal consumer reports

This morning, I was surprised to find inaccurate accounts listed on my credit report, and I dont understand why. When I checked my report as usual, I noticed unexpected discrepancies. Hoping it was just a display error, I refreshed my browser, but the incorrect accounts remained. Because of this, I am requesting a thorough review of the documents Ive submitted so that I no longer have to worry about this issue.
Product: Payday loan, title loan, personal loan, or advance loan

Initial amount that was financed has grown despite the interest rate staying at 5.9 % We havent missed a payment in 3 years and we now owe more now they we initially took out.
Product: Mortgage

I applied for a mortgage in XXXX and at closing paid the required escrow. In early XXXX, my lending, Mortgage Solutions Financial, send me a check for about XXXX saying that that money was escrow overage. When I called my lender, they stated the money was mine to spend. I was n't aware that anything was wrong. 

Around 12 months later, XX/XX/XXXX, I received a notice that my escrow was short XXXX. My lender is now requiring that I pay an additional XXXX ( new payment of XXXX ) per month to cure the shortage! Upon researching, I discovered that my taxes were assessed at land value for the year that I closed ( XXXX ) ; however, I do n't know why my lender would NOT have adjusted my expected escrow for the full purchase price the following year ( XXXX for year XXXX ). I ca n't afford this dramatic increase in mortgage payment.
Product: Credit reporting or other personal consumer reports

My credit report shows inaccurate late payments that are not consistent with my payment habits. Kindly correct these.