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

XXXX XXXX XXXX XXXX XXXX account is reporting a late payment for XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Product: Credit reporting or other personal consumer reports

Numerous accounts at once, too much to verify on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX & XXXX is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XXXX XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys  would do this.
Product: Debt collection

XXXX XXXX XXXX keep calling me several times a day about the debt that I dont own. I informed them that its not my address on credit card bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a fair investigation for this fraudulent account reporting on my consumer credit report. XXXX XXXX XXXX is known for fraudulent activity and Experian is an accomplice. All information about the account is false, never been proven and must be deleted from my credit report. Please see attached police report, FTC report and other previous disputes.
Product: Debt collection

On XX/XX/XXXX I have contacted XXXX XXXX XXXX located in MN, because after I didn't receive my taxes I contacted the it's, which gave me the number to the bureau of fiscal services, who finally gave me the amount that was suppose to be garnished, and then they gave me the number to National recoveries. they had told me they had sent something to my job in XX/XX/XXXX about starting garnishment on my wages. I no longer work for that job. My main complaint is that I didn't receive any letter informing me of a wage garnishment, and I didn't receive any information about disputing the garnishment. I didn't even know I could dispute this, untill I looked it up on the bureau of fiscal services website.
Product: Debt collection

I have no knowledge of this collection account. Moreover, my husband has had a dispute with this creditor. To which he reported to you on XX/XX/19, COMPLAINT ID XXXX stating that they have not reported this account on anyone 's credit. However, this account has been listed on my XXXX and XXXX reports. Furthermore, Aspen Collections have not reached out to me in any form of communication regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, requesting the investigation, verification and deletion of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items : items : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, must be deleted to reflect accurate information on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is on my file with Equifax. checking my credit report ive noticed alto of errors that are hindering me. this has been an ongoing issue an has been addressed. my consumer rights are violated an not right. none of the data matches an is on all 3 credit reports. please review the files asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report does not contain a XXXX  XXXX XXXX credit card account on which I have been a co-account holder with my husband for several years. This is causing my credit score to be lower than it should because this is our main credit account. It is reported correctly to XXXX and XXXX. XXXX  XXXX XXXX reports to me that they have contacted Equifax on four occasions regarding this without response : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without a response from Equifax. I have made several phone calls between companies and am unable to get this issue resolved. XXXX  XXXX XXXX refuses to give me documentation of these contact dates in writing. They also refused to speak with the Equifax representatives on a conference call with me to help resolve this issue.
Product: Debt collection

My husband and I live in northern  XXXX  and visited  XXXX  for six weeks this past  XXXX . We use toll roads on a regular basis here in the north, so we have an EZ-Pass transponder in our car. We made sure to have that in the car for the time we were in  XXXX  so that we would be in compliance with the new toll roads that have been instituted in  XXXX  since we last lived there.     Last week we received a collection letter from Linebarger, Goggan,  Blair   &amp;   Sampson, LLP , dated  XXXX   XXXX ,  2017 , informing us that we immediately owed them {$79.00} for unpaid   XXXX   tolls. We were stunned since we thought we had been in total compliance. When I called  XXXX , we sorted out that we have an EZ-Pass and not an EZ-Tag so we had not been charged the tolls we thought we had been paying. He said we had been mailed a bill on  XXXX   XXXX ,  2017 , which detailed the tolls and fees. We never received that letter. At the time, our mail was being forwarded from   XXXX   to our temporary address in  XXXX  ; apparently that letter went astray.     The letter we got from  Linebarger  , Goggan, Blair &amp; Sampson, LLP  claimed on the front to list a Detail of Violation Notices, Fees, Fines &amp; Costs on the back, but all it listed was a single line with the invoice number, the  XXXX  date and a total of {$79.00}. Nothing else.     Against our will and to de-escalate future fees, we have paid this bill.     We are very upset at the procedures followed by the   XXXX    in this matter. In the first place, a single letter is hardly sufficient notification of a debt for most people. If there is only going to be  one  notification, it should be sent Certified Mail. If that seems an onerous expense for the  XXXX , then at the very least a second and third notice should be sent before a collection letter. We live in rural  XXXX  and find that at least  two  to  three  pieces of our mail do n't make it to us each year. Yes,  one  piece of mail from a particular source can certainly go astray, but it is much less likely to happen to  two  pieces of mail from the same source.     It is also inappropriate that we have not received a detailed, printed accounting of the tolls and fees that we have just paid. For the amount of money apparently added on to our tolls for the privilege of receiving a collection letter, it would be nice to know how much of that is actually toll charges and how much is  XXXX  and collection agency fees.     Also, when I called to pay the invoice, a recording said that we owed {$79.00} but that that amount may not reflect the full amount due. What does this mean? That once we have authorized a payment of {$79.00},  Linebarger, Goggan, Blair &amp; Sampson, LLP , are free to add additional fees to my bill now that they have my credit card number? It made us pause before giving our credit card number, but we were basically being coerced to do so by a guarantee of additional fees if we didnt versus a possibility of additional fees if we did so. Hardly a fair choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other creditdevice existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$5200.00} U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$2800.00} U S DEPT OF ED/XXXX opened XX/XX/XXXX for {$1100.00} U S DEPT OF ED/XXXX opened XX/XX/XXXX for {$4000.00} U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$1100.00} U S DEPT OF EDXXXX XXXX XX/XX/XXXX for {$4500.00}
Product: Debt collection

Kimball tirey & st. john LLP, Had initially sent a wage garnishment to my employer, they garnished it and the amount on the wage garnishment was paid off. They are now trying to collect initial interest they claim is owed because they mistakenly left that out. My initial wage garnishment was paid and I was told that is all I needed once it was done I would receive the release and they would reflect it on my credit report. This has not happened and they are now trying collect more. My payroll department thinks that this is wrong and is concerned that they are collecting fraudulently. On top of that the I 've spoken to several people there that have falsely stated that they are attorney 's and when I 've researched them they are not. I am questioning their practices as is my employer. As my employer has had several wage garnishments from them for other employees and they have done the same thing to the other employee 's.
Product: Credit card

What they did to me in XX/XX/2023 is an abuse. I made the payment for the bill I received, but later I found out that I had a balance of {$2.00}. I disputed the charges they added, but they never responded. Instead, they closed the account without resolving my request. Months later, it turns out I owe them more than {$140.00}, and they never addressed my complaint. Upon discovering this, I felt compelled to pay because I didn't want any blemishes on my credit report. Now, it turns out that despite having made the payment, they have reported late payments that I was unaware of. Despite having paid all those fees, I find myself doubly impacted by the negative marks. I've been researching, and this is considered predatory interest.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Student loan

I was charged twice today for my student loan, which I 'm currently only paying interest on because I ca n't afford the $ XXXX monthly payment, so I pay them $ XXXX/XXXX. I called them and asked how this happened, they insisted that I had made the payments, but could n't tell me aside from the XX/XX/XXXX payment I scheduled for the XX/XX/XXXX, when the other payment was scheduled for. They both came out on my account the same day. I believe their system was broken ( this has happened before! ) and did n't show the pending payment if it was my error, but I literally think I would remember signing in two days ago to make another payment. I always schedule my payments on theXX/XX/XXXX of the month, as can be seen from my year long history on their account screen. I was transferred to three people, and then they said I was unsuccessfully uploading my bank statement, then they told me my bank statement was not real, because they did n't believe XXXX, one of the biggest credit unions in Washington state, was a bank name. They wo n't resolve it for 14 days, despite me talking to three people. They kept asking me why my cosigner did n't pay, and also insisting my cosigner must have scheduled a payment in my name. My cosigner XXXX over 5 years ago. I sent them the XXXX certificate 5 years ago when they refused to give me a payment plan, when I was XXXX XXXX XXXX, in school, working full time at minimum wage, and obviously could not afford a {$400.00} payment ( they were XXXX XXXX then ). I was delinquent for two years and have finally caught up after getting a XXXX XXXX and more debt so I could afford my loans. I 've told them at least five times my cosigner has XXXX, and they insist he somehow has control over my bank account. On top of everything, I continue to make payments on the only modification they 'd allow me, which is to pay interest only.
Product: Student loan

In years XXXX I worked for XXXX XXXX XXXX After my hardship time frame ran out, my loan went into collections. Great Lakes took over my loan and I spoke to them about {$5.00} payments to get out of the status and then I was told I could then do IDR and qualify for Public Service Loan Forgiveness payments for 10 years or 120 months. Now, I work for XXXX XXXX XXXXXXXX XXXX. This is were everything feel apart. Great Lakes sold my account to Nel Net acct : or loan # XXXX. I got my new employer to certify my PSLF application in XXXX XXXX with my employment date with them starting XX/XX/XXXX. I Still work for them. So, today XX/XX/XXXX when I called Nel-net to see what and where my PSLF status is early this morning, I was told they don't touch those forms, have anything to do with it, etc. to call XXXX. I called XXXX who I had never heard of before. They don't even know who I am. On the phone putting in my SSN and DOB, they don't know me. I log in at work to their website to try to create an account thinking I can upload information. Nope, once again, they don't know me. I research a bit more on the site. You have to get your loan servicer to push everything over to them or process. Call nelnet again. Get the run around again rep XXXX. Get escalated to a supervisor who tells me my {$5.00} is not enough and they don't know what that is for by XXXX. XXXX XXXX says the dates from what you're telling me would be too old so you need to get your employer to do a new one. Okay I will send this back through my HR on a new form today. HR says we do these all the time, why is your servicer giving you such a hard time. XXXX at nelnet, the supervisor says but again, we don't take them, process them, etc. I say XXXX. XXXX 's website says other servicers have to transfer this to them. They won't take the forms or do anything with them if I am not with them. My issue with nelnet is two-fold. My {$5.00} is enough. The pandemic came and I would have totally satisfied my XXXX payments with Great Lakes to move into IDR and PSLF. Now, you tell me another story. I want my old and new forms to be accepted and I went ahead and uploaded my PSLF on nelnet 's site anyway, so they have it. I want those forms processed and moved to XXXX immediately so I can get credit for being in XXXX XXXX at qualifying institutions for the 14 years I have been doing so instead of getting the run around that I have. Also, so that I can create and account and upload and send them the qualifying paperwork that they won't take until I fall under them. I am also a military veteran and used my G.I. bill for some of my education. I only took loans out when I could not longer use that. Give me credit for all those past payments.
Product: Checking or savings account

In XX/XX/2020 I was banking with PayPal and they decided to freeze my account out of nowhere and told me it would be held for 180 days... I even agreed because there seemed like there was nothing that I could get done about the situation. After waiting the 180 days I was informed to wait another 180 days for investigation... I have been waiting for the investigation to be over and be able to use my money since XX/XX/2020 and Still nothing has come of my exhausting year and a few months trying on my own .... please help me.
Product: Credit reporting or other personal consumer reports

I have tried to contact XXXX XXXX XXXX for months by mail no response, there is no available phone numbers. I would like to know how can Credit bureaus FURNISHER investigate reports ACCURACY if the company does not have available phone numbers doesn't respond by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} Consider this as my follow-up complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 set my auto loan payment on automatic loan payment program for which it took effect on XX/XX/2020. In addition to the primary payment {$100.00} was put toward the principle payment. I called XXXX XXXX XXXX XXXX department to find out why the money was not taken out as scheduled on XX/XX/XXXX. The first customer service person stated that I did not have this program in place when I did. Once the customer service went on the website along with me, the person realized that there was an error with the system. I was told that I had to pay an additional XXXX which I did. 
Then from XX/XX/XXXX to XX/XX/XXXX the " system '' of the XXXX XXXX XXXX XXXX XXXX did not know how to apply the principle as stated, then on XX/XX/XXXX I received an alert from F.I.C.O. credit reporting for late payment. I had to go into a branch to find out that the department changed Complaint executives without notifying me plus they physically reported my payment late when it was not late due to their system error. XXXX XXXX ( Acct # XXXX ) stated that they corrected their error on the same day but it will may take longer than thirty days. I have supporting documentation of the errors made on my payment history. The whole experience is depressing when a person has a excellent payment history. 
I had a perfect payment history manual and automatize until the system made the error.
Product: Mortgage

I applied to Alliant Credit Union for a HELOC for {$110000.00} on my property on XX/XX/22. Please see the attached Adverse Action Notice. I was informed on XX/XX/22 that I was conditionally approved for only {$50000.00}. Upon calling and speaking with loan consultant XXXX XXXX ( finally reaching him about a month later ), he further informed me that this decision was made independent of my current income, assets ( including the expected value in my home ), and debt. I complained bitterly to XXXX XXXX, but, of course, it did no good. Alliant recorded this conversation. 

Alliants policy is that it will not extend credit to any person in any amount higher than what that person had before. So even when all its other guidelines are met, Alliant will still significantly downgrade loan amounts to consumers based solely on their past poverty. They called this Limited credit experience. Alliants decision in my case was even more ludicrous in light of the fact that I had {$110000.00} in total active credit card lines, a XXXX XXXX of XXXX, a credit history dating back almost 20 years, and numerous closed, paid-off car and student loans. Accordingly, I allowed my application to expire on XX/XX/22 and took my business elsewhere. 

To summarize, Alliants policy is not to loan {$100000.00} if the consumer has only borrowed {$50000.00} before in a single amount from any lender. So if previously a consumer only bought a car or part of a college degree, now they are not allowed to buy, refinance, or take equity out of a house through Alliant Credit Union. This policy of Alliants remains in place but should be changed to treat all consumer loan applicants equally and fairly.