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

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account and removal of late closed on my record, despite this attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open and remove the late closed accounts entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this late open and remove the late closed account : XXXX XXXX XXXX XXXX Balance : {$55.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXXXXXX Balance : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Product: Credit reporting or other personal consumer reports

This account states that its open and it should be posted as closed and paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Regions Bank that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The Regions account was not included in his bankruptcy. I did not file bankruptcy and never have. Regions Bank has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. Regions has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at Regions and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need Regions to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.
Product: Student loan

School XXXX  XXXX  Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$6000.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$1000.00} School XXXX   XXXX  Lender XXXX XXXX XXXX XXXX   Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXX Original Principal {$3500.00} School XXXX XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXXOriginal Principal {$3500.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement DateXX/XX/XXXXOriginal Principal {$6000.00}
Product: Debt collection

Jefferson capital system is reporting a debt no validated and it out of the statute of limitation. The agency is violating the FCA and they need to take this bad debt out of my credit report. I will report also to the XXXX  if this is not removed is a violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an 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: Checking or savings account

I am a joint account holder with my XXXX mother and I have POA. We have a joint savings and checking account at USAA. On XX/XX/XXXXXXXX XXXX XXXX XXXX My mother was XXXX XXXX XXXX XXXX XXXX  who fraudulently removed $ XXXX from her XXXX account and then wired it to an account at XXXX XXXX. 

When my mom realized what had happened, she called USAA the very next day ( XXXX ) to report the incident. For many days after that, my mom had a lot of trouble getting any information out of USAA, until she finally told ME what happened on XX/XX/XXXX. Together, we managed to reach the fraud department on XX/XX/XXXX ( XXXX XXXX who claimed the investigation had been " closed '' and that a decision would be made on XX/XX/XXXX regarding reimbursement. 

So, we waited until XX/XX/XXXX and I finally called USAA again to get some kind of answer. I was passed around to 3 different people for an hour before I finally requested an escalation to the CEO advisory group. The ONLY reason I knew about this escalation process is because of a USAA Fraud Victims XXXX page. If I hadn't read about it, I wouldn't have known how to get help. 

I talked to a XXXX on this escalation team and she heard me out. She promised to finally assign my case to someone at USAA who can research my situation and " get back to me in a few days. '' We'll see what happens. I hope to hear from them. 

My BIGGEST issues here are : XXXX ) I am a joint account holder with someone who is XXXX XXXX XXXX. Why was I NEVER notified of the transaction? 
2 ) Why is it SO hard to get information on an ongoing investigation? ( It takes 1+ hours to get someone in the fraud department, and that's AFTER escalating from the first front line team ) 3 ) Victims of fraud are made to feel like WE did something wrong and are made to repeat the situation over and over again with each new rep who answers the phone. 
4 ) There was an initial transfer from checking to savings of {$680.00}, which was the impetus for my Mom 's call to the fraudulent company who sent her a " receipt '' for {$680.00}. My mom did not authorize this transaction, nor did she " authorize '' the wire transfer out of {$21000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company LexisNexis is stopping me from getting new Credit lines, Loans & Very important things I need for my bussiness to operate due to them putting Tax Lien on my public records. I am on a installment agreement with the IRS and pay them monthly. 


Source - XXXX XXXX XXXX  In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, senior director of credit risk assessment at data firm LexisNexis Risk Solutions! 

So why is my TAX LIEN on my credit report? I would like this be removed from my consumer report cause it is unfair to me when this is the only consumer place having my tax lien that I am paying off on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied to get an Equifax Credit Score check report. I submitted all my details and authentication questions. I understood my credit card would be charged but as I clicked submit I got an error message saying my process could not be done from Equifax side. I assumed since they could not provide my report that my credit card would not have been charge, yet it was. {$23.00}. When I try log in, it says my account needs to be reauthenicated and I And purchase this service. I have paid {$2300.00} for nothing from Equifax and i need my credit score report for a rental application.
Product: Debt collection

They call constantly, but will not leave a message confirming which debt I owe.
Product: Debt collection

I'm not sure which is the correct category for this issue, I was a recipient for a live check, I never stepped foot in this office, they didn't even have my ssn, I have never agreed or signed anything. They have continued harassing family members whom I do not have any contact with. They told them not to contact them and they continued I did call sunloan to ask if they would stop giving them info on my personal affairs and not to contact as I never listed anyone as a reference, they did mention they do have a directory and could contact them as many times as they wanted because it was not against the law. That type of behavior is unethical, that same day upon research I did find out that this issue is not criminal yet we as consumers do have rights and they can't be doing this to anyone. I will be fighting this to the fullest because they have now filed for civil complaint. They have bullied me, aside from the harassment of family and now they try to scare me by calling the constable to issue civil process. I did file a complaint with the Texas attorney General and do have a case number, this was filed on XX/XX/XXXX and they have continued to call after that date as well.
Product: Debt collection

The agency was asked to provide validation of an alleged debt on XX/XX/19. I sent the agency two original billing statements from the original creditor along with the VOD letter. The letter of response from the agency dated XX/XX/19 stated it had validated the debt and provided a copy of a Statement of Security Deposit Account with my name fraudulently added to the accounting statement and is clearly evident in the different font size of the names. According to the original billing statement the accounting of the charges are inaccurate as well. I wrote to the agency again on XX/XX/19 stating the statement was misleading and fraudulent since I had already provided an original billing statement from the original creditor with the true and correct information. Since the agency blatantly ignored the proof I provided I requested them to provide me with a contract with my signature on it, an affidavit signed under penalty of perjury or something other than a typed up document parroting incorrect information. The agency refused my request stating my dispute is frivolous, despite the original billing statements I provided, and the statement they provided was considered proper verification. Since the agency continued to report the fraudulent account I also disputed the information with all three credit bureaus providing the same information. The bureaus claim to have verified the information with the furnishing agency despite original billing statement I provided. It seems the bureaus are also just parroting information without doing there own independent investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and seen erroneous information on my file from this company. 
After multiple attempts and valid disputes, as well as paying for services I've never used, this company continued to furnish negative information on my credit report after no apparent warning that they were going to furnish on my credit file, and took payment from me and still reported it as negative information to the credit agencies. 

I simply asked for them to remove a late payment from my credit file, but that was too much to ask. I also understand that not responding to a valid dispute is a violation of my consumer rights according to the FCRA. 

Can you help me with this?
Product: Mortgage

Missing payments, missing 6 years of payment history, debt can not be validated but they are still reporting it and still billing while i am in dispute of the amount owed. The amount due has been incorrect for years
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX BARCLAYS BANK DELEWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " I am opting out of your reporting services.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Debt collection

On XX/XX/2022, I fell which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX  arm. An ambulance brought me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. When I arrived at the ER, I was immediately rushed to a private hospital room. After some time had passed, a hospital staff member came in to obtain my signature ( s ) on the usual required documentation, and to verify my insurance coverage ( XXXX XXXX XXXX ( XXXX ) ). I stated to him that I wanted to read the documents before I signed them, he suggested, I will read them to you then a heated discussion ensued about his unconventional method of practice. Eventually, he got frustrated with me, and unseemly decided to leave. He did not return to gather the appropriate information needed to bill the insurance company, and to this day I have not read, received, or signed any document for services rendered. Just recently, I discovered XXXX has this visit listed as an outstanding medical debt in the amount of {$5500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am the co-signer on a vehicle leased from Veros credit. They have been calling me for several months stating the car note is behind by 2 payments. I have spoke to some one twice this week ( XX/XX/23 and XX/XX/23 ) and asked them to repo the vehicle. First guy I spoke to stated I am the primary on the account but I don't have say so if the vehicle can be repoed. Which does not make any sense at all. The second guy I spoke to stated, " they just want their money, they are not going to repo the vehicle and they will continue to call me. '' They still continued to call that same day. They call more than 10 times a day. I woke up today ( XX/XX/23 ) to 9 missed calls all within 1 1/2 hours.
Product: Debt collection

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to experian, XXXX and XXXX immediately as fraud and also reported them to XXXX. XXXX stated that the account was canceled then in XXXX it populated back onto my bank account. I never authorized opening any accounts, nor did I sign for any cards, also I never used the stated card. I have no active XXXX cards opened in my name, nor have I ever opened XXXX or missed a payment with my credit cards. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. Since then we have contacted the sheriffs fraud department and initiated an investigation. XXXX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated.
Product: Student loan

I have a private student loan I have done research after research regarding my private student loans. I was even looking into joining the XXXX so I can get help with my private student loans but I Navient that is not options not even doing the XXXX forgiveness program. I am willing to do anything if there is a program that helps with private Navient student loans. I am currently not working and my credit is ruined because of my student loan. Does anyone know of program that can help for private loans everything I read is geared towards federal loans
Product: Credit card or prepaid card

received mail from Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX mail stated I had applied for a credit card, which is false. This is either a fraudulent application in my name, or a scam by the bank to get me to give them information. The phone number for return calls in the letter is XXXX. It is not possible to speak to a human at that number. The letter does not ask whether I did in fact apply for a credit card. The letter does not provide any route for having the cc application flagged as fraudulent. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not apply for commenity XXXX XXXX ... i talk to them and they sent me an letter that they remove it buy failed to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted SageStream LLC to put a security freeze on my information. I submitted the required information and copies of my identification documentation on XX/XX/19. Their website says they will respond via U.S. Mail. To date, there has been no response. I telephoned them and even though I was calling during their business hours I am unable to get hold of a person ; their answering device says to call during business hours ( which I did ). I have no idea how to get hold of a human to freeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach has compromised my credit showing inquires not known to me and a creditor attach in this dispute sent fcra violation or ftc
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card

In 2014 I had opened a credit card account with Macy 's in XXXX at thier department store in person. A month had passed after being activated, and no bill had been received by U.S. mail. When I called to ask, when would I be receiving it, they informed me that It wad past due and that it was sent electronicly. I had not signed up for email billing. MACY 'S reported my first payment as being late, and has not worked with me to resolve that matter. They refunded my late fee, and did confirm the mistake over the phone, but never corected the report with the credit bureaus. I need help resolving this matter. Thank you.