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

XXXX accordance with the Fair Credit Reporting act AFFIRM XXXX # XXXX AFFIRM XXXX # XXXX, AFFIRM XXXX # OATMXXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # RCKPXXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, XXXX XXXX XXXX # XXXX, STATE EMPLOYEES CRED XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, [ insert CAs name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

Below would be the following dates I sent my letters to them : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm this records ( 1 ). ( A ). I'm hoping that these disputed accounts get updated. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Student loan

I took a loan out with XXXX XXXX in the amount of {$35000.00} in 2009. Since then I move back home and was unable to finish my degree due to Finacial hardship. I spoke with XXXX XXXX on multiple occasion on getting my payment lowered which was declined. I spoke to a lawyer which also called and tried to negotiate with this company however they would not budge. I was unable to make the loan payment and they wrote it off into a collection agency to XXXX XXXX.
Product: Mortgage

I unexpectedly lost my job in XXXX and I contacted Fifth Third Bank in XXXX to discuss mortgage relief options. 
I requested mortgage relief assistance on XX/XX/2023 from FifthThirdBank I called the phone number and was told to apply online. 
I uploaded the form online and my mortgage relief application was closed on XX/XX/XXXX  No one contacted me or told me why it was closed or what additional information is needed to continue with the mortgage relief assistance program. 

I contacted the support via messaging and they told me that I had never applied and there is no application open and that I need to apply again. 

I called the support phone number again they said the same thing that I had never applied and no application is pending and then proceeded to give me circular answers that I need to call and check on it while the application is open. There is no record of alerts, messages or any information regarding my application status, it was closed without any notes or details. 

None of this makes sense, I am not being provided with proper guidance or assistance and from my perspective they are closing my application, not telling me why and not providing assistance during the application process.
Product: Credit card or prepaid card

On approximately XX/XX/2020 I opened a secured VISA credit card with Atlantic Union Bank after sending the Bank {$300.00}. 

I believe there were false charges on my account because the bill increased. The Bank told me that my account was closed but I do not recall receiving a refund check from the collaterialized savings account. I would like for Atlantic Union Bank to mail me a copy of any refund check, if a refund check was mailed to me. Because of the lapse in time I am doubtful that any false charge can be corrected. But I am hopeful that any remaining funds in the secured savings account could be mailed to me. If it is the Bank 's contention that the savings account was applied to outstanding VISA card charges, I would request that the Bank mail me documentation. Account # XXXX ( VISA ). 
Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
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 XXXX filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Debt collection

On XX/XX/2022, I called Healthcare Revenue Recovery Group , LLC ( HHRG ), regarding an attempt to collect a debt notice that I received in which stated that I owed {$33.00}. I spoke with XXXX in which she stated that they were a debt collector trying to collect a debt that I owed to XXXX XXXX XXXX. I informed XXXX that XXXX XXXX XXXX  never sent me a medical bill before HHRG 's attempt to collect notice. I was literally forced to pay a debt that I was not aware of or face further collection attempts and reporting to all national credit bureaus. On XX/XX/2022, I called the facility in which medical services were rendered by XXXX XXXX XXXX and they informed me that XXXX XXXX XXXX was already paid by them. The facility name is is XXXX XXXX XXXX. I also called my healthcare insurance provider and they informed me that the facility filed a claim for the same procedure code. And that XXXX XXXX XXXX. can not bill me for the same procedure code and same date of service. And also stated that the provider has already been paid by the facility for the contracted amount.
Product: Vehicle loan or lease

I owed Kia on property taxes. 
Made an arrangement with them to pay the remaining {$280.00} on XX/XX/2020. 
They reported me to the credit bureau on XX/XX/XXXX and XXXX, 2020.
Product: Credit card or prepaid card

I have had the Gander Mountain Credit card through Comenity Bank for at lea  st 10 years without any problems. Starting this year we have gotten late fees and interest charges for the last 3 out of 4 months. The first time I called they stated that the payment was received on time and reversed all charges. After that they would reverse the interest but not the late charges.
In ten years I have always sent the payment on time and never been charged these fees. My daughter also has this card and she has auto withdraw from her checking account and she was also got a late charge, which should never happen because the money is pulled automatically from her account.
I do not know if this has anything to do with Gander Mountain filing bankruptcy but I feel I was treated unfairly and I will no longer use this credit card or any card through Comenity   Bank.
Product: Credit card

I Gave Truist collateral which is an application and return I should receive XXXX devices- [ credit card. ] They are judging my principal off a credit score. I have the capacity to contract. ( see Power of Attorney ). This will be considered discrimination by Truist employees. ( see application Id - Letter ). Now, I reconsideration should be consider. 

Now, if the securitized the application I will track it down, find the cusip number and report the Security Exchange Commission and Internal Revenue Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a hard time receiving a report from Experian. I have accounts open that report to Experian so I'm unsure as to why they are not reporting any accounts. They need to provide a score for me, I am in the process of trying to buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Inquiry removal letter to Equifax after trying to contact creditors to no avail. as Equifax told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Equifaxes customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I called COMENITY BANK to put the card on hold due to temporary financial difficulties. I had to get an extension agreement. This letter did not arrive. Now my report shows a missed payment.
Product: Checking or savings account

They forced closed my account supposedly in XXXX but cant give me reason to a debit with withdrawal for XXXX from XX/XX/XXXX First they said it was the irs who took it back Now they dint know and its was a long time ago
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX - XXXX XXXX  Account Number : XXXX
Product: Debt collection

Gatestone has been collecting on an XXXX XXXX account. Earliest record I have from them is dated XX/XX/XXXX with an account balance of XXXX. Over the past 3.5 year i have been paying them a scheduled XXXX/month. I recently changed payment amounts to XXXX $ /month. I have always been in contact with them. I have requested multiple times over the 3.5 years that they call no other numbers besides my cell as the others associated with my account, that they read back to me, were family, friends, or previous employers. I answered a phone call on my cell phone XXXX from Gatestone XXXX at XXXX on XX/XX/XXXX for a duration of 9 minutes. On XX/XX/XXXX at XXXX XXXX  I received a call from Gatestone XXXX that I answered on a 'virtual ' telephone number XXXX issued by XXXX for XXXX XXXX and tied to an email account ; I just happened to be in that account when it 'rang '. I asked Gatestone rep. XXXX XXXX ( phone call recorded ) why he was calling that specific number and what other numbers was he calling. He then informs me that he has left messages on other voicemails stating that it's 'Gatestone ' before I spoke with a Rep on XX/XX/XXXX. Gatestone was calling these numbers from XX/XX/XXXX through today. XXXX confirmed and read the telephone log. My XX/XX/XXXX payment was received sent XX/XX/XXXX. My next payment of a min of XXXX $ is due XX/XX/XXXX. Why is Gatestone calling around, leaving voicemails, when my next payment isnt due until XX/XX/XXXX. How is it legal? Did Gatestone or its Parent companies take any money from the CARES Act. This account is still held by XXXX XXXX as I still get billing statements from them. XXXX told me ( recorded ) he was calling from Canada and but Gatestone was Founded in XXXX and is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. Current Balance on account as of XX/XX/XXXX less than XXXX $ from XXXX Phone call recording from XX/XX/XXXX at XXXX with XXXX was XXXX but XXXX and I was unable to upload, I will try and Compress
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. <P/>I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.
Product: Mortgage

I am beyond stress with this company Wells Fargo. I have been needing help/ and assistance from them and I havent received any or they denied everything. 
And now my home is up at the state auction sale on XX/XX/XXXX My problem with this company is on going until, as they stated, pay the full balance so you can keep your home!! 


Wells Fargo denies a loan modification Wells Fargo refuses to accept a reinstatement Wells Fargo pursues a foreclosure or sheriff sale They sold my loan to another company about XXXX, and they maximize my credit and charge arcrueing interest that i was not aware of. I can not recall any type of mail from them until when XXXX wells fargo has been fighting to sell my home. 

I received a knock on door sheriff give me paper my home is on auction.. I was never aware I had something against my XXXX deed. I dont remember having a representative told me during the start that my loan that this was attached /against my home. The loan says XXXX XXXX credit card, XXXX as XXXX is my second language visa is credit card. I also try to remember it was {$5000.00} credit, not {$35000.00}. They try to confuse me!. I come from XXXX in XXXX, not understanding XXXX well. 

I know well alot of people got scammed by them I read bad story wells fargo take peoples home. Thats why this company got sued, and now i am one of the victims. 

Now im stuck., they charge me alot of interest I dont know how. There are probably lot of fees I dont know about. 

If I knew about this debt before XXXX or when i refinanced I would have argue about the debt, BUT THIS DEBT WAS NEVER AND IS NOT IN MY CREDIT REPORT!. 
How do one company not report a large amount of debt to the credit company? 
I have a mortgage from XXXX XXXX  XXXX and they are my main mortgage. I have never had any problem with them since XXXX when I refinance my loan. I PAY MY MORTGAGE ON TIME. 
I have never seen wells fargo in my credit report So i was not able to dispute this thru credit bureau. 
So CFPB i need help, and I to everyone that is going thru this stressful situations with WELLS FARGO, WE ARE NOT ALONE.!!
Product: Debt collection

To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an XXXX advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. 

I have spoken to numerous representatives, most of the encounters were unpleasant Kurt and rude, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not one XXXX Representative that I spoke to tried to even correct the matter. This so-called XXXX specialist, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im battling a XXXX XXXX XXXX illness. Knowing all of this brother this XXXX specialist or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, National Credit Management for {$13.00}, XXXX I have contacted Federal Student Aid, XXXX, US Department of Education, Office of Inspector General and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. 

I can be reached a XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. 

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

I have contacted Transunion several times, and sent them copies of my marriage certificate, driver 's license, social security card and a utility bill in my name. I have sent multiple letters via mail and I have called several times since XXXX. The last time I called was XXXX/XXXX/XXXX and before then XXXX XXXX and XXXX XXXX of this year XXXX. I informed them I was looking to clean my credit file and update information in order to purchase a home, and I was told that my married and current legal name does not match my credit file. But when I cal, they will not let me speak to a US representative and say that I need to tell my creditors my issue. I then state that my issue is with Transunion and that I am not asking them to delete my maiden name but put it as an AKA to my married named so that my married and current legal name shows up first on my credit file. I have been denied credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

RELIANT FINANCIAL ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a business credit card in my business ' name since XXXX/XXXX/2016, yet it has NEVER shown up on my business credit card rating. My XXXX XXXX XXXX shows NO lines of credit. I use this card every month and have done so since 2016.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that does not belong to me and is a result of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. 

I contacted the bank associated with this account via phone call, and they have confirmed that the following accounts were fraudulent and have removed them from their records following the submission of the required FTC report. Despite this, the accounts remains on my credit report with your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX