23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Account was sold to XXXX XXXX XXXX and paid in full. 


XXXXXXXX XXXX XXXXXXXX XX/XX/year> Account is not mine I asked for validation of debt and never received anything plus its a hospital bill which is unreportable debt.
Product: Debt or credit management

I contacted PayPal credit to advise them that the interest rates they were giving me made it impossible to pay off so I asked if I could make a settlement and they agreed and sent me the settlement letter after paying off the settlement it still shows a unpaid balance and that actually lied about the whole settlement I have the letter they sent me sincerely yours XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We've had this credit card since XX/XX/XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XX/XX/XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XX/XX/XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXXThe date opened is inconsistent. XXXX has- XX/XX/2022 Experian has XX/XX/2022, XXXX has - XX/XX/2022 as well as the date of last active ; XXXX has XX/XX/2022, Experian has XX/XX/2022, and XXXX XX/XX/2022. Remove this account from my report for inaccurate reporting.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I had major surgery in XXXX XX/XX/XXXX and had paid my deductible in full, all medical bills were covered. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) did not file the correct insurance information, even though it was provided several times and sent the account to XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) XXXX XXXX finally sent the correct information and they were paid in full XXXX. I have made repeated attempts to have this removed but XXXX is refusing to remove it. THis also happened at XXXX ( a sister company to XXXX XXXX ) and they removed it from collections. I have contacted XXXX XXXX and am awaitng a return call
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bank XXXXXXXXXXXX Balance : {$10.00}, XXXX XXXX Card XXXXXXXXXXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX is reporting I owe them a balance, although they have yet to present a contract or any written documentation identifying terms or agreement that I agreed to. The business was with XXXX XXXX., but my report says XXXX XXXX. Makes no sense. How and where do you charge interest on a rent, this is not a mortgage and WHAT is the interest rate?? Nothing of this sort has been provided to me whatsoever. I want XXXX XXXX off my credit report, they are reporting to XXXX and Experian. If they can not provide written documentation with terms and conditions, explanation of interest being charged and why. Please remove. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed. 
RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans. 
ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin. 
FCBA violation : The creditors did not properly handle billing errors and disputes. 
I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities. 

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

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

18 USC 1028A Because 15 USC 1681b states they must have a written consent from me the consumer.

Highlighted inaccurate information as well!
Product: Credit reporting or other personal consumer reports

I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Product: Student loan

For the past month, I've been trying to resolve my past due loans with Salle Mae. According to each rep that I've spoken to, my application for a deferment was approved after I paid the {$100.00} good faith payment ( twice ). But, despite this, the deferment has not been processed on my account so I'm about to go into collections. I just spoke to Sallie Mae once more on XX/XX/XXXX and they admitted to me that they saw all of the notes on my account showing that my forebearance was in fact approved with a confirmation number of # XXXX. On this XX/XX/XXXX call, the representative I spoke to admitted that if my account did get reported to the credit bureaus then Sallie Mae would remove it because the error is theirs. I am worried nonetheless because every single time I've called them ( once a week ) the representative that I've spoken to has advised me that my account would be ok and it would just be a few more days until my forebearance processed. 

Further call details below : XX/XX/XXXX : I called to ask about repayment options and applied for a forebearance. Paid the {$100.00} good faith payment and was told my account would be current in 3-5 business days. 

XX/XX/XXXX : I noticed that I was still getting urgent past due emails so I called again to check in on my forebearance. The agent that I spoke to had me re-apply, pay another {$100.00} good faith payment, and informed me that my application would be approved because he was the one approving it now. 

XXXX : I received a voicemail from a Sallie Mae agent named XXXX who advised me to call her to remedy my account. When I called her back, she said the forebearance wasn't reflected on my account but she did see it in my notes but wasn't sure why my account was still in collections. She told me she would call me back after escalating it for immediate approval to her manager. 

XXXX : XXXX still hadn't called me back so I decided to reach back out to Sallie Mae. I spoke to a new agent who informed me that XXXX did escalate the case to her manager ( according to the notes ) and my forebearance was approved. She said there was a backlog due to the XXXX XXXX holiday but my forebearance would be reflected in my account by Monday or Tuesday. 

XXXX : My account still hasn't been updated so I reached back out to Sallie Mae. The agent I spoke to reviewed my account, saw all of the notes, and escalated the issue to her XXXX. Her manager had her put in yet another forebearance application. She told me that the error was on Sallie Mae 's part so if my account was reported to the credit bureaus then they'd remove it. 

I have no tried to remedy this situation for weeks on end and keep getting told the same thing. I'm not sure how to proceed forward now that my trust for Sallie Mae 's ability to handle my case has dwindled from this experience. I've made every effort and have spent so much time on the phone with them to remedy the issue to no avail.
Product: Debt collection

Unknown and unverified debt reported as a collection on my XXXX credit report. I disputed debt XXXX with XXXX ( XX/XX/2022, XX/XX/2022 ). 
I have no knowledge of this debt, have never received written correspondence and was unaware it existed until noted on my credit report. 
I want this debt removed from my credit report.
Product: Credit card

On or around XX/XX/2023, my XXXX, paid her XXXX XXXX payment that was due on her card. It was mistakenly credited to my account balance. 
Between XX/XX/2023 and XX/XX/2023, after receiving my statement and noticing the mistake, I called to have the payment she made to my card transferred over to her card. They debited my account for the amount she paid which was XXXX. However, somehow, they debited my account XXXX  for the same amount. XXXX  once to pay the balance on her card and then again, now leaving a balance due on my account of XXXXXXXX 
I then called sometime in XXXX after receiving my statement to tell them of the mistake, and after an hour on the phone they promised it would be fixed, listed it as a dispute, and that I would need to wait XXXX  days for it to be resolved. 
After the XXXX days had run, they said it was a correct charge and listed my account as XXXX past due at which time I started to receive emails, letters, and, for the first time in my life, put into collections. 
I have called a minimum of XXXX  times, spent approximately XXXX hours on the phone, most recently on XX/XX/2023, attempting to have them remedy the problem. After every single phone call, I am told that they see the problem, they will remedy the situation, that they will send me a letter telling me it's been fixed and notify the credit bureaus. 
Then on XX/XX/2023, I receive a letter from XXXX XXXX Bank XXXX XXXX that they are correctly reporting to the bureaus, that my account is past due. 
I received a notice on XX/XX/2023 from XXXX saying my credit report was decreased by XXXX points, on XX/XX/2023, XXXX XXXX closed my account which further decreased my report, on XX/XX/2023 and again on XX/XX/2023 it was flagged as XXXX days past due. 
I am at a loss as to what to do. There is an outstanding balance due of XXXX plus interest and late charges of XXXX. There were never any purchases made in the amount of XXXX. If they would just look at the monthly balances due and back out the purchase amounts they would see that it is a mistake that their company made. Also, wouldn't they see that it is a bit strange that the payment amount was XXXX  and the balance due is XXXX?? It absolutely unacceptable. I have done nothing to deserve any of this treatment. I want the charge removed. I want the interest and late fees removed. I want my credit line restored on the XXXX XXXX card and I want them to correct the credit bureau flags as soon as possible.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, this account has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on an account under an open end consumer plan as late for any purpose. 

I request that the late payments associated with this account be removed or the closed account be removed entirely.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

SONY CREDIT CARD COMMENITY BANK CARD Payment was on AutoPay every month. Was told that since the Sony Credit Card as switched banks AutpPay was not set up with new company and as a result I am being charged late fee and finance charges mounting {$29.00} & {$18.00} respectively.
Product: Credit reporting or other personal consumer reports

Previous Complaint Number : XXXX I originally filed a complaint on XX/XX/year>, regarding an account that was inaccurately reported on my credit file. Despite disputing the account multiple times, the furnisher XXXX XXXX XXXX failed to mark the account as disputed and refusing to and violating its legal obligations. Since the company refused to correct the issue, I turned to Equifax to conduct a proper reinvestigation. 

Equifax closed my previous complaint, falsely stating that the account was updated to a XXXX balance. However, this was not true. Equifax misrepresented the outcome of its investigation and failed to ensure accurate reporting, violating 15 U.S.C. 1681i and 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Now, nearly two months later, the account is still reporting inaccurate information, harming my credit, and the furnisher is still refusing to mark it as disputedeven though the account is currently in litigation. Equifax has failed in its duty to conduct a reasonable reinvestigation and continues to allow false data to damage my creditworthiness. 

I am requesting that Equifax be held accountable for failing to comply with its obligations under the FCRA. I also request that the CFPB take appropriate action to ensure that Equifax and the furnisher properly investigate and correct this inaccurate reporting.

Expected Resolution : 1. A full reinvestigation by Equifax to ensure accuracy.

2. The account must be marked as disputed immediately.

3. Enforcement action against Equifax for failing to comply with FCRA requirements. 

I appreciate the CFPBs attention to this matter and look forward to a resolution. 

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

I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my report.
Product: Credit reporting or other personal consumer reports

I have notice some unknown inquiries on my credit report that I, myself do not recognize. I have tried to resolve this matter on my own, however I still see them.
Product: Mortgage

Our new mortgage loan on our new house was transferred to Stearns for servicing right after closing. We closely watched all correspondence to ensure that we sent the first mortgage payment to the correct address, as we have been homeowners for 15 years and have never been late or missed a payment. We sent in our first payment and soon after received a call from Stearns stating our payment had not been received. The payment was not late at the time, it was a courtesy call, and as such we made a payment over the phone with the representative. We were advised to cancel the other check payment through our bank, which we did. Stearns then charged us a {$40.00} " NSF '' fee for the check that was cancelled. We called to complain to Stearns about this and the representative stated that they would waive the fee as a new customer courtesy. We just received our next month statement, and the " NSF '' fee is still on our statement. It is listed as having been paid, but is should have been credited on our statement. We feel the payment address error is owned by the new servicer, and we feel that they should honor their verbal agreement to refund the fee as a courtesy to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know why i am being charge for something i was not approved for never moved into the apartment was denied and im not responsible for any other the amount that was place on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES
Product: Mortgage

XXXX XX/XX/XXXX, I contacted Specialized Loan Services and requested financial assistance. The representative that I spoke to, told me that I could apply for a forbearance. I asked the representative to apply for it for me and I was told that I will get it. I went on with Life as usual and was not afraid to miss payments because I had the foreclosure. 

XXXX XX/XX/XXXX, I called Specialized Loan Services to ask a question and found out that my request for a forbearance was denied. I never received any correspondence confirming this. I was told that I had XXXX previously and would not be eligible for another one. This put me in a financial hardship because I was paying for vehicle repairs as well as appliances since most of them died on me and I missed payments to my mortgage. 

XX/XX/XXXX, I applied for a loan modification with SLS and because I received paperwork namely a XXXX document, I sought out financial counseling services to halt the foreclosure process. In the meanwhile, I was denied a loan modification because they could not go any lower but they approved me to do a short sale. When I contacted SLS, I was told that there arent any options left for me. To date my home owners insurance has decided not to renew as Id XX/XX/XXXX because of this very foreclosure.