23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out that an original debt from a credit card in the amount of {$1700.00} has been placed as a lien on my home for {$2600.00}. They have issued wage garnishments and bank garnishments on EXEMPT FUNDS. GUGLIELMO & ASSOC. Has bullied me, harassed me, has used corrupt methods to take any money at all from me, a senior citizen, and needs to be stopped. They need to remove the lien on my home which is less than {$550000.00}, they CAN NOT garnish my wages as I only make {$140.00} every TWO WEEKS and they attempted to garnish my bank account to collect my only income of social security WHICH IS EXEMPT. THIS company needs to remove ALL LIENS AND GARNISHMENTS ATTACHED TO ME. THIS IS ELDER ABUSE AND I AM TIRED OF IT. I am in the process of completing my payment to GUGLIELMO on an agreed balance. IN THE MEANTIME they have NO RIGHT TO PLACE A LIEN ON MY HOME FOR THEIR AMOUT OF {$2600.00} which include INTERST THEY ARE CHARGING ME. ELDER ABUSE AT ITS BEST.
Product: Money transfer, virtual currency, or money service

I was called from XXXX XXXX XXXX XXXX ( which is the number on the back of Bank of America Debit Cards ) on XX/XX/year> at XXXX. The caller claimed to be Bank of America Fraud Dept with some unusual activity on my account. He read off some purchases from a different state that I hadn't made. 
The caller kept me on the line for a bit while he " did some work on his end '' and " was going to send the claim to his supervisors ''. He sent a few numerical codes that were identical and in the same text chain that I have gotten from Bank of America in the past. I asked him to tell me how much money I had in my account ( as I assumed Bank of America would have my account pulled up ) to prove that they were in my account but he avoided that question. He also asked for my Social Security Number, which I gave him, because actual BANK OF AMERICA has asked for that to verify my identity before. While I was on the phone with him for probably 5 minutes the call dropped. I immediately called Bank of America back and that's when I was told it was a Fraud call. When I checked my bank account again {$2700.00} was XXXX transferred to an unknown person, XXXX XXXX. The Bank of America Fraud Claim department was closed by the time I was able to start my claim so I had to wait until next morning. A claim was filed with Bank of America. They have since sent me a letter saying the fraud claim is denied and they consider the matter closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to TMS response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & TMS not receiving my payment in time. According to our payment we made in XX/XX/XXXX it was received by TMS on XX/XX/29. TMS is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XX/XX/XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because TMS HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with TMS and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX  which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at TMS to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to XXXX5 U.S. Code 1681i Compliance protocol, these must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX account that doesn't belong to me, yet it is showing up on my personal consumer report
Product: Credit reporting or other personal consumer reports

It should be noted that some false information that has been mistakenly confirmed as true appears on my credit record. No changes have been made, even though I have attached proof that unequivocally demonstrates the material is false. 

The FCRA, 15 U.S.C. 1681i, requires credit reporting agencies to look into and fix inaccuracies, and this is a breach of that law. Please conduct a new investigation into this situation right away and either remove or fix the false information from my credit report.
Product: Student loan

I overpaid my student loan several years ago. Navient has not returned my overpayment despite multiple requests.
Product: Credit card

US BANK REFUSED to remove credit card account information from 'Authorized User 's ' credit report which can negatively affected on credit decisions and negatively affecting credit card utilization. Authorized User is NOT ACCOUNT OWNER and not liable for any of subject credit card debt according to US BANK. Account owner requested proof of any documents/electronic signed documents of authorized user 's with social security number but US BANK representative, XXXX ( who refused to provide last name and employee/representative number ) refused to provide.
Product: Debt collection

A review of my credit report showed a collection account by  Diversified  dated in   XX/XX/XXXX .  I have never had any contract with  Diversified Consultants  and my contract with  XXXX  was cancelled. I have disputed this with all   XXXX   credit bureaus on both  XX/XX/XXXX  and on  XX/XX/XXXX , and their response on my credit report is " Meets requirement of the FCRA ''. A letter was also sent via certified directly to Diversified on  XX/XX/XXXX  - their response was to mail me a copy of a  XXXX  statement of account.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I discovered the following account on my report Fraudulent Account with XXXX XXXX ( Account Number : XXXX ) opened on XX/XX/year>, with an outstanding amount of {$660.00}.
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. 

XXXX ) XXXX BANK XXXX : # XXXX XXXX ) XXXX SYSTEMS : # XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have two of the SAME accounts from capital one bank in my credit report. Both accounts has different dates that they were open. I notify the ( source ) Capital One about my observation on XX/XX/2021. The company Capital One indicated this duplicate SAME account on my experience report was not there doing and should be disputed with the credit bureau. Therefore, I disputed the inaccurate same account to XXXX same day. ON XX/XX/2021 I RECEIVED THE RESULT OF MY DISPUTE WAS COMPLETED. I LOOKED INTO MY XXXX  ACCOUNT ; nothing has been resolved about the dispute. So, I concluded that the duplicate account from CAPITAL ONE bank with inaccurate DATE & false information is a FRAUDULENT ACCOUNT! I called XXXX  and let them know of my findings since my first dispute on this matter was completely & not resolved. As of right now this the status of the same dispute of the duplicate account from CAPITAL ONE has been reinstated as a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I transacted with XXXX XXXX XXXXXXXX to get a home mortgage pre-approval, which according to them required a credit report be pulled from XXXX, TransUnion, and XXXX. Starting on XX/XX/ I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX XXXX XXXXXXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX and TransUnion for their continued failure to correct inaccurate late payment information on my credit report concerning my FlagstarBank account ( # XXXX ). Despite multiple disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate and inconsistent across all three credit bureaus, as highlighted in my previous disputes. These discrepancies directly contradict the actual payment history for this account, which reflects a current status with no delinquencies. Additionally, the discrepancies in the " Date Last Active '' and " Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported.

Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information included in consumer files and investigate disputes thoroughly. The failure to resolve these errors after multiple disputes is a blatant disregard of this obligation.

15 U.S. Code 1681b and 15 U.S. Code 1681c emphasize the importance of maintaining accurate and complete credit reports. Reporting inaccurate late payments undermines these protections.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide timely and accurate periodic statements. The late payment reporting indicates a failure to comply with this requirement and has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors and reporting agencies have a duty to ensure that consumers are not unfairly penalized for alleged delinquencies when they have fulfilled their obligations. The repeated reporting of inaccurate late payments is a violation of this principle. 
Desired Resolution : I am demanding the following actions be taken immediately : The removal of all inaccurate late payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my credit report. 
Written confirmation that these corrections have been made and that the account reflects accurate information across all three credit bureaus. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
This is the fourth dispute regarding this matter, and your continued inaction is unacceptable. I expect a resolution to this matter no later than 30 days from the date of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I had my personal information exposed to the world in the XXXX data breach and I noticed unauthorized accounts and inquiries on my credit report that do not belong to me. I need them removed immediately because they are hurting my chances at getting a mortgage. this is unfair to me and this also makes me lose my confidence in the banking system. I need these fraudulent accounts removed now.
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. 
XXXX XXXX : # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 andXX/XX/2021 and I sent in 609 letters and have yet to receive a response back from the bureau or the creditor. I sent in supporting documents and I have called multiple times to get the problem solved. It has been past 90 days and i have yet to get results back from an investigation and the inaccurate information on my credit report has hindered me to apply for new credit. The bureau is neglecting the FCRA laws.
Product: Credit reporting or other personal consumer reports

Before unfairly closing my complaint I was unable to add my supporting documents of identity theft. I have contacted Security Credit Services to let them know that I am victim of identity before allowing my to provide proof before 30 days was up in violation of FRCA act the complaint was closed today is XX/XX/2023 the supporting documentation is attached.
Product: Credit card or prepaid card

On XX/XX/XXXX I had my credit union process a payment through bill pay for my Compass Bank Credit Card in the amount of {$48.00}. The last time I had made a payment or owed anything to Compass Bank was in XXXX of XXXX and all I owed on the card was the {$48.00}. On or around XX/XX/XXXX, I received my statement that indicated my payment was late. I immediately contacted Compass and my credit union to research why my payment was showing late when I obviously paid it and the {$48.00} had been taken out of my account. The 1st contact I had with Compass customer service revealed that the payment address had changed since the last time I made a payment almost a year ago. However, Compass still had access to that PO Box . It was also brought to my attention that the credit card # was incorrect on the check that was sent through bill pay. The check had not been endorsed and was not sent back to the credit union. Over the course of almost two months I have talked to numerous agents trying to locate the payment. I was finally advised to send over a good faith letter from my credit union so that it could be researched and applied to my account. I faxed over the 1st letter and when I called back they could not located it. I have confirmation that it went through on XX/XX/XXXX. I sent a 2nd fax while on the phone with the customer service floor manager ( XXXX at extension XXXX ) and he received it. I had left 2 different messages after this to check the status with the customer service floor manager ( XXXX ) and he did not return my call. While waiting for this process to become complete, I was charged a late fee in the amount of {$10.00}, a late fee of {$15.00} and interest in the amount of {$2.00}. My credit limit was also decreased from {$18000.00} to {$500.00}. This decrease affected my credit score as well. I was advised during this process that once they approved the letter, everything would be credited back and my credit limit would be restored. No one ever tried to make contact back with me by phone to advise me on the status of this issue. I did however received mail correspondence in regard to my payment being late. However, I was under the impression that once they located the payment everything would be alright. On XX/XX/XXXX I contacted XXXX again and was advised at this time that my " Good faith letter '' was denied and that my payment was due. I told him that I would put a stop payment on the {$48.00} I had sent back in XXXX and make the payment again. I asked him if it would be possible to waive the late fees since I had been trying to get the matter resolved. He was very stern in his speaking when he told me " NO '' and that is the final decision. All I owed them was {$48.00}. I have heard of other people 's late fees being waived when they just over look making the payment. My payment was either lost in the mail or mishandled at Compass Bank and their representatives denied waiving the late fees for a long time customer.
Product: Student loan

I was told during the pandemic that loan payments were suspended until XX/XX/2021. This is listed on Nelnet 's website. However, Nelnet reported my account late to the credit bureaus causing significant damage to my credit. I am on social security XXXX and recently overpaid in XX/XX/2021. I have never been late on my bills. I called Nelnet in XXXX and was told they can not remove the negative reporting.
Product: Debt collection

VICTIM OF IDENTITY THEFT VICTIM VIA XXXX XXXX BREACH
Product: Credit reporting or other personal consumer reports

I have been calling the credit bureau they don't give me any information I have asked them to remove al inquiries that don't be long to me I've also asked to remove anything that I have dispute because i never had anything in my name or open account still live with my parents it still is showing in my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX never received written consent to report anything to the major three credit bureaus. Fair Credit Reporting Act 15 U.S.C 1681 states each credit have to receive written consent to report an account written consent was not given please remove account from each credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX acct XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy.

TransUnion is guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) TransUnion did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and TransUnion during litigation for wrongful collection attempts.
Product: Debt collection

I am extremely frustrated and upset that both XXXX  and Franklin Collections decided to report this on my credit report, after being informed numerous times that this debt is invalid and highly disputed. XXXX is attempting to charge me for equipment that was " not '' returned - however this is completely false, I returned this equipment via the self addressed boxes they provided, and any claim to the contrary is highly disputed. I have informed XXXX  about this in writing on several occasions. 

Franklin Collections is also reporting this on my credit report, for which I highly dispute since they should have sent me a dunning notice allowing me the right to dispute this or resolve it before placing it on my credit report. This is highly predatory and unfair, as now I'm in the middle of obtaining mortgage financing and this account is stopping me from obtaining the best possible rate, something that will cost me XXXX XXXX XXXX  of dollars if this error continues on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$XXXX}