23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello my name is XXXX XXXX XXXX. I have been disputing my personal information to TransUnion. XXXX sent a copy of my XXXX and ss # with my correct name since XXXX 2016. Everytime I talk to them they claim that ca n't change my name because I have account in my maiden name XXXX. However that 's not my legal name and I refuse to let them keep disrespecting me. When they send me mail they say XXXX XXXX XXXX. That is not my legal name and they should respect that. Why do the government allow the credit bureaus to do what they want. I 'm going to file a law suit for wrongful use of my name if TransUnion ca n't get it right. I know the law is that if my legal name is XXXX XXXX XXXX TransUnion suppose to honor my name and stop discriminating and disrespecting who I am. I want my mail and my credit report to display who I am. Thankyou
Product: Credit reporting 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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to TRANSUNION was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Debt collection

High Point Asset Inc : They called a old work number and other family and friends and I do not appreciate that, they need to stop I do n't owe them anything and neither will they show me anything saying I owe them anything. STOP CALLING ANYONE OR ANYTHING HAVING TO DO WITH ME.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer reports and noticed that there was information on my reports that I did not authorize. under the XXXX and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with XXXX XXXX XXXX they furnished my information to HELVEY ASSOCIATES, all without my written consent. below I attached a dispute letter to further explain the laws being broken, I demand a deletion at once.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and XXXX. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX XXXX
Product: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS XXXX XXXX of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt. 
This includes, but is not limited to, the following information : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. A detailed explanation of the debt, including any interest, fees, or other charges. 
Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this address off my report two years ago. 

XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed some inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including XXXX XXXX XXXX. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, XXXX, Experian and XXXX XXXX, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deleting Inquiry Due to Data Breach I am writing to formally request the blocking and deletion of the following inquiry from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that this inquiry be removed from my credit file : Inquiry to be blocked and deleted : 1. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft report.
Product: Debt collection

I have a collection item in my credit report that is a total surprise to me : XXXX XXXX XXXX for {$500.00} - Joint account I never opened an account with anyone for it. I do use XXXX service but it is prepaid service, I pay {$100.00} or {$50.00} whenever my balance is low. I never received any bill from XXXX in the past and now this account is in collection. And until now I 've never received any phone calls or mails in their attempt to collect this debt I do n't owe. 

How can I contact XXXX ( no phone or address ) or collector XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX no phone number to contact )? 

What is the most effective way to find out what happened? 

Thanks so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

I took a car loan of XXXX dollars with an APR of 25.99 % ; I am to pay a monthly payment of XXXX dollars. I made my first payment of XXXX, which was due on XX/XX/XXXX and ended up as a principal XXXX and interest XXXX, and I made a second payment of XXXX dollars ; they took the interest of XXXX dollars and a principal of XXXX dollars. My calculations show that interest ought to be XXXX dollars. I have called, but they have yet to respond. I want this to be investigated, and the proper deduction should be applied. The name of the loan body is Westlake Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few unauthorized inquiries on my XXXX credit report pertaining that I would like removed regarding the following : Capital One Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account with them. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX - XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX Date : XXXX XXXX, XXXX The company stated that I would need to contact the credit bureaus.
Product: Debt collection

XX/XX/XXXX, I was in a car accident and ambulance services were provided that I didn't ask for or require by XXXX of XXXX XXXX in the amount of XXXX $ Between XXXX and XX/XX/XXXX I was in contact with XXXX  of XXXX XXXX to dispute bill because it was not processed through Insurance per my request. 
I gave them the insurance information and never heard from them or received a bill after that contact. 
XX/XX/XXXX I review my credit report as I do at the end of every month to verify accuracy. I find a debt collection account has been opened on XX/XX/XXXX through XXXX XXXX services for XXXX of XXXX XXXX for XXXX $ but wasn't reported to me until XX/XX/XXXX on XXXX XXXX. 
I wasn't able to dispute the accuracy of it through online services because XXXX XXXX reduced call center hours and there website dispute process was down to do Corona Virus. 
I was not sent a bill or given any paperwork between XX/XX/XXXX and XX/XX/XXXX notifying me I owed any amount to Phoenix Financial Services or XXXX of XXXX XXXX. I was not called and no message was left in order to contact them or verify the amount that is now in collections. I believe this is a violation of my rights, as I can't pay a bill i don't know that I owe and I have no way to contact them in order to pay it to remove it from collections.
Product: Checking or savings account

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX TO : The Consumer Financial Protection Bureau RE : XXXX XXXX failure to correct a teller error in a timely manner I am currently in XXXX attending film festivals that are presenting my new film. Last Thursday, as I headed for XXXX, a long-awaited refund check of {$61.00} XXXX arrived from the California XXXX XXXX XXXX XXXX. It was made out to XXXX XXXX XXXX, XXXX, one of my legal entities. WELLS FARGO account # XXXX. Routing number XXXX, A copy of the California XXXX XXXX check made out to XXXX XXXX XXXX is attached. 

My assistant took it to my branch of Wells Fargo Bank. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, A teller named XXXX deposited it NOT to the account of my legal entity but to the XXXX California XXXX Plan. It is impossible that she did not notice she was depositing a check made out to XXXX XXXX XXXX to a Wells Fargo account belonging to California XXXX XXXX. 

As soon as my assistant sent me the proof of deposit, at about XXXX p.m. on Thursday, I noticed the error and immediately alerted Wells Fargo online. The reference # for that complaint is XXXX XXXX. The next morning my assistant returned to the branch. XXXX, who is a bank XXXX and quite competent and efficient, took charge. She filed Case # XXXX. I spoke with her. She agrees it is a bank error. 

Three business days have passed. No refund. No updates. This is unacceptable, especially given XXXX XXXX recent history of cheating customers ( opening fake bank accounts, etc ). I am asking CFPB to intervene. 

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

On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX. The XXXX was financed in XX/XX/XXXX by XXXX XXXX ( XXXX XXXX ). 

XXXX and I left the XXXX at the XXXX dealership and took possession of a XXXX XXXX XXXX. We were of the expectation that within 10 days XXXX would be paid in full for the XXXX XXXX. 

In XX/XX/XXXX, we saw a 30-day late on our Experian Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to XXXX and Experian and XXXX stated they were not going to change the report. Experian suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the 3 credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my XXXX. Please fix the problem. 

XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate item on my credit report regarding a missed payment that is being reported incorrectly. Upon reviewing my credit report, I noticed that it indicates a 90-day missed payment on XX/XX/XXXX for XXXX XXXX XXXX , account # XXXX. 

My student loans have been in forbearance with XXXX since XX/XX/XXXX. Additionally, I was contacted by The U.S. Department of Education ( ED ) in XX/XX/XXXX who determined my student loans from XXXX XXXX  ( XXXX ), now known as the XXXX XXXX XXXX  XXXX XXXX ( XXXX ) are being investigated and I " will not need to make additional payments on the loans you received to attend XXXX during the requisite period while your discharge is pending and will remain paused in forbearance/stopped collections. ''
Product: Student loan

Requested to have my school loan income lowered based on my income. I make XXXX $ an hour and can not afford XXXX $ monthly. My school loan was in forbearance for 2 yrs because I could not afford payments on a single income living in the XXXX XXXX area.. 
Naviant denied my request saying my income was to high. 
I had read about Naviant just minutes before calling them about how the deny rights for income driven repayment and lawsuits pending against them. When I called them they kept trying to deny my request for lower repayment until I brought up the lawsuits and the rights they are denying. They now are saying they will lower my payment to XXXX $ for two years and will increase after. In which I can reapply to have them lowered again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all 79 campuses.

4 loans were taken out from XXXX and they are now called XXXX XXXX and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all XXXX credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.
Product: Payday loan, title loan, or personal loan

This is a complaint concerning the personal loans I received from Discover. I have always paid payments on time since this loan first started in XXXX. I was able to benefit from their pandemic forbearance program during the Covid disruptions. The scheme was set up in a confusing fashion by Discover Loans, though. Despite the fact that Discover had me signed up for this service, they kept contacting and demanding monthly payments. I asked Discover staff why payments were required even though the loan was in forbearance, and they used a tactic where they passed me from person to person, each of whom gave me different information. This forced me to merely make a payment to be in the clear and to avoid harming my credit. 
They persisted in doing that during the entire epidemic, and in XX/XX/XXXX, even though I was enrolled in the special payment program, they reported me as being 60 days past due. Normal monthly payments had resumed at $ XXXXmonth for more than a year until XX/XX/XXXX, when I enrolled in a program with lower payments that would let me pay $ XXXXmonth for nine months ( Reduced payment program ). Discover continued to call me while I was enrolled in this program and paying the $ 250 monthly payment, demanding the entire amount that they claimed is past due. 
My credit limit was recently reduced by XXXX XXXX on of my credit cards, according to a letter I recently got from the bank due a derogatory remarks on my credit report. When I reviewed my credit reports with the three credit bureaus, I saw that Discover has been reporting my late payments to XXXX, XXXX, and XXXX since XX/XX/XXXX, respectively. Since enrolling in this reduced payment plan, I have called Discover numerous times to inquire as to why my account is showen that i have fallen behind on my payments and what is happening with this program, as it displays that I am {$1600.00} in arrears while being on a reduced payment plan. Discover never once gave me the correct answer. They either use the transfer to different agents trick, drop the call after telling you they will transfer you, or simply say they have no idea and still demand {$1600.00} or whatever amount they claim is past due. I called a few days ago and was transferred to two different agents. One of them was a manager, and at the end of the call she informed me that she does not have any expertise in personal loans and is only trained in student loans, and she promised to leave a message for someone to call me back. 
Meanwhile, they have destroyed my credit and no one has called, despite the fact that I am paying them monthly on a supposedly reduced payment plan. I am XXXX XXXX XXXX and believe I have been discriminated against and abused because of my age. Most of the time, they are condescending and speak slowly and loudly, with complete disregard for my concerns. In most cases, they hang up without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Product: Credit reporting or other personal consumer reports

I previously had a {$25000.00} credit limit for a cash rewards credit card with XXXX XXXX XXXX XXXX. I unfortunately fell on hard times and XXXX XXXX  ended up closing the card and charging it off. 

I made a lump sum payment of {$500.00} and set up a payment plan in XXXX XXXX for $ XXXX to satisfy the charged off debt. 

I'm cleaning my credit up so in the midst of looking at my credit report from XXXX, XXXX and Transunion I noticed that XXXX XXXX reported the same exact account TWICE on my XXXX and Transunion report. 

One shows a balance of {$24000.00} last reported on XX/XX/XXXX and the other shows a balance of {$24000.00} last reported on XX/XX/XXXX. 

Both of these are technically inaccurate as I paid them a {$500.00} payment in XXXX XXXX, but the balance reported in XXXX XXXX is {$24000.00} instead of the accurate balance which is {$24000.00}. 

I did not have XXXX different accounts with the same credit limit. I only had XXXX cash rewards account with them so it should not appear on my XXXX and Transunion report twice. That is inaccurate information and it's having an adverse effect on my credit report by showing I owe more debt than I actually do. 

I've tried calling their collections department to see if they can fix it, I've messaged XXXX XXXX XXXX XXXX via their internal messaging system as well as disputing it through Transunion with no results. I'm not able to dispute it through XXXX yet or else I would. 

I'm asking that XXXX XXXX XXXX XXXX please remove the duplicate reported accounts on my credit report and fix the actual reporting inaccuracy.