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

My credit score has steadily dropped for no reason of my doing. Experian has exposed my personal information to thieves, criminals and hackers, Ive had my credit information used for fraudulent purposes, and no penalty was levied. They are still entrusted with my personal data. To thank me for being vigilant, my credit score declines even though every action I take involving my credit is legal and is my own personal information. Experian is dropping my credit score because I am disputing information I think is not accurate. My score hasnt changed in 6 months. After this complaint itll probably drop again.
Product: Credit reporting

Today, I received an alert that my credit report was updated with adverse information. I received this info from XXXX XXXX. I further learned that a collection agency named Allied Collection Services in XXXX XXXX, NV, reported to the XXXX national reporters under my name a claim owing to XXXX in the amount of {$1800.00}. I have never in my life had any dealings with XXXX. I contacted Allied who up to today have never notified me with any communication regarding this matter, and was told that I needed to file a complaint with my local police, call XXXX, then forward them copies of the police complaint and disposition from XXXX. Before this debt was reported to the credit companies, I was never given an opportunity to dispute this matter and am now being required to straighten it out on my own when my credit has already been tarnished. I expect the credit reporter to resolve this issue and remove this mis-information from my reports. My assigned account number from Allied is # XXXX. Their phone is XXXX.
Product: Credit reporting

In XXXX, 2016, the escrow on my mortgage account went up {$31.00}. I was never contacted. I submitted the payment on-line, on-time as always. The next thing I know I receive an alert from my credit monitoring that I have a potentially negative item on my report. I investigated and contacted the company ( XXXX XXXX immediately ). I expalined the situation and was told that they would investigate. I called two weeks later yo inquire about the status. They explained that it would not be removed. I then proceeded to dispute with Experian, first online and then by certified mail. I included all documentation and proof that the payment was made on time. 
I also submitted the same information to XXXX. I have not received a second response. 

Experian refused to remove the information, despite providing all the documentation.
Product: Student loan

I have a complaint regarding my education with XXXX XXXX XXXX. I enrolled in XXXX XX/XX/2014 in the XXXX course which is the longest and covers everything with XXXX. I have completed all of my prior classes until XXXX told me that they will no longer be able to cover my financial aid and that if I wanted to continue my education with them I 'd have to pay out of pocket with my own money. At the end of the last course XXXX XXXX XXXX XXXX XXXX I was told by counselor/admission advisor XXXX XXXX at the end of the course that the school made some kind of mistake and that FAFSA was not covering my financial aid and that she was suppose to notify about this issue at the beginning of the course not at the end. Then I was forced to pay cash out of the pocket. During the course I got discharged from my job and I wasnt able to afford payments these high each class is almost XXXX dollars and she told me that I have to pay this amount in 6 weeks. 

And if I wanted to continue the rest of the classes I would have to pay my own cash for the class and books. As of now I completed half of the XXXX education course and still have a little bit more than half left ( which is about halfway done ). So I because the fact that they couldnt cover my financial aid with schooling I was forced to wait a couple months until the issue was resolved. During this time nothing happened and they werent able to help me out financially, a couple months later I called back to see if their was any good news, unfortunately I was told that they did not know when they get financial aid back.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXXXXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b 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. According to the Fair Credit Reporting Act 15 USC 1681a-4, " 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 Equifax are all 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 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, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Removal and Deletion of Inaccurate Accounts Dear Sir/Madam, I am writing to formally request the immediate removal and deletion of the following accounts from my consumer report, as they have been inaccurately reported without proper notice or my consent. The relevant accounts are as follows : XXXX XXXX XXXX XXXX XXXX ** - **TransUnion Account # : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion XXXX XXXX ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : ** - **TransUnion Account # : ** 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  ( TransUnion ), XX/XX/XXXX ( XXXX & XXXX ) - Last Reported : XX/XX/XXXX ( TransUnion & XXXX ), XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ** - **TransUnion Account # : ** 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  ( TransUnion & XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion & XXXX ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX None of the creditors or collection agencies provided proper notice within the specified time frame, nor did I instruct or give written consent to furnish any information on my consumer report. Additionally, re-aging accounts by updating dates is a violation of the FCRA Section 605 ( c ).

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e, 15 U.S.C. 1681b, 15 U.S.C. 1681 ( e ) ( b ), 15 U.S.C. 1681i, 15 U.S.C. 1681i ( 5 ) ( a ) ( i ), 15 U.S.C. 1692b, and 15 U.S.C. 1692c, I request that you take the following actions immediately : 1. Remove and delete the inaccurate accounts listed above.

2. Provide detailed information regarding the steps taken to verify the validity of these alleged debts.

3. Ensure that these accounts are permanently removed from my consumer report and notify me in writing once this has been completed.

Please be advised that for every violation of my consumer rights under the FCRA, I shall be compensated up to {$1000.00} as stipulated by the law. Failure to comply with this request will result in further action.

I appreciate your prompt attention to this matter and expect a response within 30 days.

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

I have called and i have sent certified letters to Experian all with return reciepts as proof of delivery. 
I reached out to Experian about a fraud address on my report. They did an investigation and removed the fraud address from my report. 
When they removed the fraudulent address from my credit file they should have also remove the fraudulent account associated with that address. 
XXXX is not my account. ( past due180 days ) ( {$7200.00} is not my account ) This account was not open by me or anyone i know. 
( NO OTHER CRA IS REPORTING THIS AFTER THEY DID AN INVESTIGATION ONLY EXPERIAN. XXXX REMOVED IT, XXXX REMOVED IT. THEY DID A PROPER INVESTIGATION. ) I will be filing a law suite against Experian and will be seeking damages for all of the pain and expences that Experian has caused me and my family and for not doing a proper investigation into the matter. 
When i ask that you investigate an account and you just simply verify the account with the creditor and consider that a proper investigation, then you are very wrong. 
I will be giving you one more opportunity to do a proper investigation before i file suite in my county and state against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took action on this XX/XX/2022 for inquiries include : Experian XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX these inquiries shall be removed according to U.S.C 15 1681c-2.
Product: Mortgage

XXXX XXXX, a corporate rep for LoanCare lied about the website not malfunctioning in XXXX of 2021 to justify keeping my {$30.00} ( regarding complaint ID # XXXX ). When I paid the {$1.00}, XXXX, the LoanCare rep who took the payment explained to me that he started working about the time when a lot of customers were calling because they were charged a {$30.00} NSF because the website clipped their checking account information and LoanCare waived their charges. He said that because they took the money from the excess in our principal, they would not return my money. The company paid many {$30.00} fees to their bank for the checks that didn't have sufficient information to process. 

I believe that so many customers were using the website at the same time and it was not designed for the overload. Anyone who uses online access for bill pay knows that a website will not allow anyone to submit a payment with missing numbers. I retyped everything about 8 times or more because the site kept freezing or providing error messages for no reason and freezing again during the correction. 

I told many representatives about the issue, asked for a supervisor, but no one cared in 2021, except one person who did let me know that 2 numbers were missing at the end of the account number. I asked if that sounded right to him because the site should not have submitted my information incorrectly, I would have seen and error message. The website literally submitted my information so quickly after I typed in the account number until it seemed as if something was wrong. 

If LoanCare is covering up the fact that many customers experienced my issue at that time to justify taking my money for their malfunctioning website, they are dishonest, ethical, and untrustworthy. Two employees told me the truth about what happened and the corporate head, XXXX XXXX wrote a flat lie in her letter. 

I am attaching a copy of XXXX 's letter, my credit report from about one week ago, and redacted copies of bank statements for XXXX and XXXX, 2021 balances, revealing the mortgage payments for those two months. The checking account, attached, is the account number that I typed into the LoanCare website. 

We are not hurting financially, at all. We are just discussed with corporations run by people who have no credibility. We decided, after this incident, to refinance with a highly reputable company. We are refinancing with XXXX XXXX XXXX XXXX for a breath of fresh air.
Product: Credit reporting or other personal consumer reports

CSRS Inc. is totally WRONG regarding this circumstance. According to the State of Virginia Code of Virginia Title 60.2-229 A. " Wages '' means all remuneration ( money paid for work or a service ) paid, or which should have been paid, for personal services, including commissions, bonuses, tips, back pay, dismissal pay, severance pay and any other payments made by an employer to an employee during his employment and thereafter and the cash value of all remuneration payable in any medium other than cash!! Moreover, bonuses are Not Debt, but are considered as wages earned in the State of Virigina and therefore can not be considered as Debt and therefore should not be submitted to any credit reporting agency as Credit which is clearly what CSRS Inc is doing, by placing on my credit report as such, trade-line entry as a line of credit owed and or money borrowed from XXXX XXXX XXXX XXXX XXXX XXXX 
Where is the proof CASRS Inc.?! I borrowed money and or entered an agreement with XXXX XXXX XXXX to repayment. 
CSRS Inc. is egregiously ignoring the laws and regulations, declared by the State of Virginia Code of Virginia Title 60.2-229. CSRS is a debt collection agency and per Code of Virginia Title 60.2-229 A. bonuses are monies paid for work or a service!! CSRS Inc. is using a primitive strong-arm tactic by creating narrative to fit its unethical and ruthless business model and practices of ( Debt collecting ), this is not a Debt within the guidelines provided by the Fair Credit Reporting Act and the Fair Debt Collection Act CSRS Inc. is practicing on deception to mislead. I was employed by XXXX XXXX XXXX as an employee and did not borrow a line of credit, which is clearly how this is crafted and reported to the credit bureaus as such!! 

CSRS Inc! Has to be stopped with unfair and misleading for the sole purpose making a profit!!
Product: Checking or savings account

I received a check from the Wells Fargo XXXX XXXX XXXX in XX/XX/XXXX, the check was made payable to my father who is deceased. On XX/XX/XXXX, I contacted Wells Fargo, spoke with XXXX advised her my father has passed, I am the Executor of his Estate and asked they reissue the check in my name. I was advised I would need to formally request this to be reissued and she would send me a form to complete. I called on XX/XX/XXXX spoke with XXXX and advised her I still had not received a form, I was advised it was in the queue to be sent this XXXX take 14 days. I received a Reissue Request Form, I completed the form, included a copy of my XXXX Death Certificate, Last Will and Testament, Statement of Informal Probate of Will and Appointment of Person Representative, Letters of Personal Representative and Acceptance as instructed on the form and returned on XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX and was advised they received my all documentation and were processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and advised " Wells Fargo was experiencing system issues since Saturday, she was unable to access my account, she will take my information and call me back when the system was back up '' I called again on XX/XX/XXXX spoke with XXXX, I was advised still under review, Research Team is not taking calls at this time, she will mark this as " high priority '' and have someone contact me within 72 hours. I called on XX/XX/XXXX spoke with XXXX who states still processing, she will request it be " escalated and have someone get back to me, she could not/would not transfer me to someone who could actually assist me. I am EXTRMELY disappointed and appalled in Wells Fargo handling of this very simple straightforward request.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I asked XXXX who was reporting in accurate information to my credit report.! they told me XXXX XXXX XXXX! I had over 23 inaccurate information I had to dispute 15USC 1681B ( A ) you can not furnish a consumer report without written instructions from consumers whom it relates I have not given ( XXXX ) this right and privacy at 1974 The FCRA 616 ( b ) states : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured not its harder for to get or apply for credit because of these violations on my report.
Product: Debt collection

I dispute the accuracy of this account. I want to cease and desist because Northstar Location Services , LLC is not authorized to collect any debt in Pennsylvania. Theyre not registered to do business in the state of Pennsylvania .
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
Hard inquiries may impact your credit score. 
XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission. 
Thank you, XXXX XXXX
Product: Debt collection

i am receiving a threatening letter from a company called Portfolio Recovery Associates , LLC ( address is XXXX, VA XXXX ) telling me I owe several hundred dollars on a XXXX credit card I havent used in a couple of years. I called them, and they told me they are handling the account for XXXX Bank ( which handles debts for XXXX XXXX and that my credit rating is at risk. When I contacted XXXX, who connected me to XXXX Bank, they tell me my account balance is XXXX and that they have never heard of Portfolio Recovery Associates and do not ever sell their accounts to other companies.
Product: Student loan

For each monthly payment, a {$10.00} fee is assessed supposedly for processing.
Product: Checking or savings account

I am filing this complaint because Simple Bank disapproved my application for a new checking account at their bank. According to their webpages, the " Simple Checking Account '' was a prerequisite to opening a Protected Goals Account which paid market-rate interest and also paid a {$400.00} sign-up bonus. 

I can not image why I was refused a checking account except they looked at my application and said oh no he is too old. I am XXXX years old. I dont think that is a valid reason and is, in fact, illegal to discriminate based on a persons age. 

Below is what they said and I have also attached the actual email in a print-to-pdf file. 

I believe an FDIC insured bank has the responsibility to tell you why you are not being approved. They are not telling me for security reasons yea, their security to avoid a lawsuit for age discrimination. They didnt even give me a telephone number to call or an email address to inquire about why I was not approved ( see email ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, Were sorry to let you know that your Simple application was not approved. For security purposes, we cant tell you the specific reason. 

Thanks for your interest, and we wish you all the best. 

The Team at Simple
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX