23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, 2016 RE : Wells Fargo Account # XXXX To Whom It May Concern, I am writing you with numerous concerns that I have with my Wells Fargo " Student Loan '' ( Account XXXX ). About five years ago, I setup a consolidation loan with Wells Fargo for my private student loans. Unfortunately, over the course of the last five years, I 've discovered that this loan does not work like a traditional student loan. Please see my list of concerns on this loan below : This " student loan '' is NOT deferable if I chose to further my education ( pursue my XXXX degree, etc. ). 
I frequently end up with mysterious late fees. Every time I call to make payment, the representative from Wells Fargo tells me that I have past due balances that need to be paid ( this happens even when payments are made on time ). Each time I tell the representative that I want to pay the total amount that is due. However, it seems as though I am frequently told to pay the incorrect amount and I end up owing late fees in the future. 
I am troubled with this loan because it claims to be a student loan ( when it benefits Wells Fargo ). Additionally, it claims to be a private consolidation loan ( also when it benefits Wells Fargo ). If this were truly a student loan, I would be able to defer the debt while I further my education ( unfortunately the aforementioned option does not apply ). Also, if this were a private consolidation loan, I would be able to absolve this debt with a bankruptcy ( again the aforementioned topic does not apply ). 
In closing, please know that I have previously attempted to solve this situation directly with Wells Fargo ( on numerous occasions ). Also, I 've even spoken to members of their Executive Office. Unfortunately, no one at Wells Fargo has been able to help me with my concerns. Any action or guidance that you are able to present on this situation would be greatly appreciated. Thank you and I look forward to hearing from a representative at your office. 

Best regards, XXXX XXXX XXXX XXXX - phone XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account number has 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.
Product: Credit reporting or other personal consumer reports

TRANSUNION I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} **Inquiries** XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing tp properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C section 1681 ( i ), which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act CFPA ), 12 U.S.C. section 5563 ( a ) - ( b ), as highlighted in the CFPB 's recent administrative proceeding ( File NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have disputed this collection with all 3 credit bureaus ( XXXX, XXXX, & XXXX ) requesting written verification from Bull City Financial verifying the debt is in fact mine. However this information has yet to be provided to me. XXXX resolved the issue with my first dispute and removed the derogatory account from my report. XXXX and XXXX have both came back with the dispute as resolved, company confirms debt is certified, but no documentation has been provided. Nor did the collection agency ever try to contact me directly even before sending the account as unpaid to the credit bureaus. 

XX/XX/2023 - Disputed with XXXX XX/XX/2023 - XXXX dispute complete, account removed from credit report XX/XX/2023 - Disputed with XXXX and XXXX XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate
Product: Debt collection

Received a letter in the mail a few weeks ago from XXXX stating that my information may have been used without my consent, XXXX I guess started an investigation, but asked me if I wanted copies from all three credit bureaus, I agreed and so far received my credit report from XXXX and XXXX, my credit report from XXXX  has a negative account called XXXX XXXX XXXX ( Financial ) Pay Status : In Collection and AD ASTRA RECOVERY SERVICE # XXXX, placed for collection on XX/XX/2018 and it's listed as an individual account, I have never in my life used a payday loan company for any reason, so I know this has to be a fraud for which I missed when I order my credit report each year, I have never received anything in the mail nor have I received any phone calls about this account, if I had I would have disputed this account a long time ago, if possible I need a copy of the agreement so I can compare signatures and prove I did not open this account ever. no I do not have a clue who would do this to me, but evidently someone did open an account using my information and signed my name, yes when thinking back my son XXXX XXXX XXXX is very capable of doing something like this, if he did I still don't know how he could do it without a picture id? please investigate this as a fraud because I didn't open this account.
Product: Debt collection

On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX sent a letter stating that Calvary Portfolio was their client for a debt balance {$3300.00}. XXXX XXXX XXXX Services stated they were authorized to accept {$1000.00} on behalf of their client, due XXXX/XXXX/2019 as settlement in full. I sent {$1000.00} to XXXX XXXX XXXX XXXX to settle this account in full and XXXX confirmed my payment was delivered to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XXXX/XXXX/2019 at XXXX Central and signed by XXXX XXXX 

On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XXXX/XXXX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from XXXX XXXX XXXX XXXX to verify this new amount due of {$2300.00}. 

I checked my three credit reports and Calvary Portfolio has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with Calvary since this was settled in full per the terms outlined in the letter sent by XXXX XXXX XXXX XXXX XXXX/XXXX/2019.
Product: Debt collection

They are keep sending me a collection notice repeatedly and threat to report to credit report without showing the actual debt. It feels like a scam. Sent request to give me actual statement on XX/XX/year> but no respoinse and then they sent me a new collection notice again without responding my previous reques
Product: Credit reporting, credit repair services, or other personal consumer reports

Evergreen Professional Recoveries : XXXX I have paid this debt quite some time ago and no longer owe this debt. It wasnt until I pulled a new credit report until I found out that they are still reporting this collection and as having a balance owed on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never had any late payments when I had this credit card and they are showing late payments in 2019 the card was reported stolen back then and the company corrected it now that a new company has it they show late payments on my old cb indigo credit card I have never been later or pastdue on an account in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXXXXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM. 


So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  administered by XXXX XXXX filed a 30 day late payment with m y three bureaus. It dropped my XXXX XXXX by XXXX points in one day and caused one credit card called XXXX to close my account when they inquired. I lost a line of credit. I called them and told them I had all the statements and checks where I had paid them for the past two years and I even sometimes paid them twice in one month. They told me they would write to the three bureaus and fix the erroneous information and they believed the error happend due to a system upgrade last year. They wrote to XXXX which updated the card to XXXX balance and removed the XXXX late payment ( fraudulent info ) but Experian and XXXX still show this info and I have filed multiple disputes with both. I can not get them to remove it. I am so upset with this as I will never do business again with XXXX XXXX
Product: Mortgage

My name is XXXX XXXX My grandmother past away on XX/XX/2017 in are house since then I have been trying to find out about the house. This has been a awful experience found out it's a reverse and they have granted me executive rights to the house it's in the process of being foreclosed and they offered me three options to buy the house outright put it on the market or have it go to auction and I'm refusing it to go to auction and trying to buy it back or do a quick sale in the refusing me to do this because you're saying the time frame is not right I had a realtor with proof of funds of all that and they're denying me the right 35 day process to do a quick sale or even put it on the market a company that purchased XXXX XXXX I would advise everyone to stay away from XXXX XXXX and the company associated that bought them and you seem not to understand because there was an autopsy case it took several months to get legal documentation to do this was not normal circumstances
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Referred to foreclosure during a pandemic, I have stayed within the requisite to keep my interpretation in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX published a story about credit bureau problems for consumers. I was featured in the article featuring my dispute with Trans Union credit reporting company for incorrect information they refused to fix, after I tried several times to get them to correct the data. I was also featured on the XXXX nightly news with XXXX XXXX again talking about Trans Union. I have no late payments, my credit use is around 50 % yet trans union recently dropped my credit score by over 30 points. I pay my bills, my credit score currently does not reflect my paid on time payment record. I can only conclude that Trans Union is punishing me for allowing my story to be published and televised. My credit score is now XXXX I was over 700 in XXXX and nothing has happened that should bring my score to this low level/
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX FCRA Summary of Rights What is the Fair Credit Reporting Act? 



The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Enacted in XXXX and substantially amended in the late XXXX and again in XXXX, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used. 


Summary of Rights The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers ( for the complete text, visit the Federal Trade Commission ). The FCRA protects you by requiring consumer reporting agencies : Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See " How do I get a free report? " for more information. 

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See " Who can access my Equifax credit file? '' for more information. 

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report. 

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report. 

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated THIS IS FROM THE EQUIFAX PAGE AND YET THEY WILL NOT INVESTIGATE MY INQUIRIES AND DELETE THEM DO NOT USE THE XXXX system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRUAD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXXXXXXAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Student loan

This is my first year of repayment on student loans from XXXX   school. I applied and qualified for the REPAYE program, and have been paying monthly via Auto Pay sinceXX/XX/XXXX.

While preparing to file my XX/XX/XXXXtaxes on XX/XX/XXXX, I searched for my student loan interest tax document on Navient.com. When I was logged on to the Navient site, I found a message dated XX/XX/XXXX : " XX/XX/XXXX Your Navient Account Information It's time to renew your REPAYE Plan! '' I checked my email correspondence, and I had received no emails from Navient that referenced REPAYE renewal/recertification in any way. Since I am enrolled in Auto Pay for two separate Navient payments, I receive between 6-10 emails from Navient every month. All of the other emails I've received contain some reference to their subject : " Auto Pay Payment Reminder, '' " Here 's your monthly statement, '' and even " IMPORTANT TAX RETURN DOCUMENT AVAILABLE, '' but the emails which Navient claims were supposed to alert me to the REPAYE renewal deadline contain absolutely NO reference to the renewal or any urgent action necessary.

In fact, every month I receive multiple messages with the subject " Navient Account Information '' that simply confirm my automatic payments. It seems ridiculous that a message with that same subject would contain a link to the vital and urgent information about recertifying my REPAYE application. It is absurd that these particular emails would contain no relevant information about their purpose, and yet Navient uses all caps to alert me that there is " IMPORTANT TAX RETURN DOCUMENT AVAILABLE. '' I called Navient on XX/XX/XXXX, and was told I had been kicked out of the REPAYE plan for not submitting the recertification documents in time and would have to reapply, and was pushed to accept a forebearance in the meantime since I can not afford to make payments at the " alternative repayment '' rate of {$1800.00} beginning onXX/XX/XXXX. My monthly payment while on REPAYE was {$320.00}.

I am currently attempting to recertify and appeal the actions taken by Navient. Their unethical communication practices have already taken a toll on my finances and on my mental health. Again, this is my first full year of repayment on these loans and the first time I was supposed to recertify for the REPAYE program.