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

I received an email from XXXX XXXX that I had a new inquiry on my Transunion credit report dated today, XX/XX/year>. I was working all day and have not applied for any loans, etc. The creditor was listed as XXXX XXXX in XXXXXXXX XXXX. I called the number listed on XXXX XXXX and was told that it was today but they were saying it was Transunion that pulled the report. After obtaining my credit report from Transunion, the name is spelled " XXXX XXXX '' and the address listed is in Texas, where I have never resided or been to. I am not sure if this is fraudulent or if they simply ran the wrong credit but I was advised to make a report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Have 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, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by TransUnion, XXXX, XXXX without my written consent and I demand their immediate deletion : XXXX XXXX XXXX Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : 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 XXXXn conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.
Product: Debt collection

This debt was paid & closed by me in 2018. They are still trying to receive money not owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/18 to have dispute remarks removed instead the agent updates my three accounts as closed. The three accounts are still open and active. When I contact the bureau for help, they refused to help me. Experian representative were rude and unwilling to fix their error despite the fact I have letters that reflect my accounts active and current.
Product: Credit reporting

Exeprian refuses and and has failed to properly investigate review and responf to information provided by me and XXXX XXXX XXXX XXXX regarding wrong information being reported on their DATA BASE. PLease review letters from the XXXX XXXX XXXX XXXX which clearly indicates the Experian Failure to properly respond to their communications and my certified letters and calls and uploads.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported 30 days late on XX/XX/XXXX due to no fault of my own. I had a secured line of credit with Bank of America which was due on the XXXX of every month. Over five years ago I set this account up on auto-pay online through my B of A banking site because I care about my credit and do not want any late payments on my record. Every payment came out on time and posted 1 day prior to the due date until XXXX XXXX. These two months no payment was sent on my behalf and I was not aware of this. I paid off the account in full as soon as I found out. I reached out to numerous B of A customer service reps both from my bank and the credit side and all they kept saying was that the account was set up on auto-pay for only a specified time which I allegedly set up. I never set up an end date, I have never even heard of this process before. Every account I set up on auto-pay is continuous until I manually cancel it. 
I was very upset about not being helped, even after emailing XXXX that I closed all of my accounts with B of A. 
Just today, XX/XX/XXXX I spoke with a rep named XXXX that told me he dug deep into the account and found out that a B of A rep named XXXX canceled the auto-pay without my consent XX/XX/XXXX. I have no idea why anyone would do this. I never requested this or consented whatsoever. At that time I only contacted B of A regarding a lien that was reporting on my home which was incorrect as well. I never contacted them to stop the auto-pay because this would not be beneficial to me at all. I have always been responsible and paid for everything on time. 
B of A refused to remove this late even though it was one of their reps that did this. 
I did not receive statements for the month of XXXX and XXXX either so I did not know my payments didn't come out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was not authorized to inquire about my credit report. XXXX did not prevent XXXX XXXX from doing this unlawfully. 

XXXX XXXX  Location Requested On Phone XXXX XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXX, FL XXXX Inquiry Type Individual
Product: Credit card or prepaid card

Beginning in XXXX of XXXX Capital One advised that they had flagged my credit card with a Fraud alert. They would not tell me what caused the Fraud alert. I decided to close my account and paid off my balance, this payment of {$2500.00} cleared my bank account on XX/XX/XXXX, this payment was more than I owed and created an over payment of {$980.00}. Since then, I have been trying to get my over payment back. They said in order for them to send me my money I needed to verify my identity with a utility bill, Drivers license and copy of my S.S. card. I sent in a copy of my Gas bill and Drivers license ( front and back ). ( I had lost my S.S. card so needed to get a new one which I did ). They then told me my Gas bill wasn't good enough. I then sent in a Water bill and a copy of my new S.S. card and my DL again. Now they need a copy of the back of the DL which I previously sent. I have spent numeras hours on the phone with them beginning XXXX XXXX, XXXX through XXXX XXXX, XXXX. They have advised twice that I will get my money in 1-2 billing cycles and when the money doesn't come and I call to check on it, they say they can't issue a check due to the fraud alert and the process of sending documents begins again. ( I have a log of my calls to them and can provide that upon request. )
Product: Debt collection

XX/XX/2017- On this date, I was going to go forward with paying my two credit cards down to a XXXX balance. I had just opened a new bank account and apparently had a couple numbers incorrect when paying the balances. I attempted to make the payment once and received and error that stated for me to try again. The error did not state what was wrong, so I resubmitted the payment. A few days after doing so, I noticed that both of my cards were frozen from use. I then called Capital One to find out what was going on and they stated that I had 2 returned payments and that it violated the terms of use. After the first return payment, I was not notified at all except to resubmit the payment. It wasnt until about a week later that I received a letter in the mail stating that my account had been closed due to a violation of the terms of use and that the company does not allow more than 1 returned payment. I attempted to explain the situation to a rep with Capital One on more than one occasion, but they did not offer any assistance with the matter and simply told me that I still owed the balance and the account will remain closed. If I wanted to apply for a new one, I could. However, I would not want to open a new account with a company that did not communicate the issue with me prior to closing my account for good. Therefore, I told the latest rep that I am no longer liable for the balances and would like them removed from my credit report. They refused and stated that the " Account Closed '' status did not bar me from being liable for the account. I do not agree. Ever since this situation began, my credit report now shows multiple missed/late payments and this is affecting my credit score very badly. There are far too many issues that i have with the way the situation was handled and addressed. If the situation had been handled in a decent manner, I would have corrected my error and paid my cards off in full and continued to use them. I have had the account for several years without a single missed payment, late payment, or any returned payments. This was not taken into consideration prior to closing the account. 

In addition, XXXX XXXX XXXXXXXX supposedly worked very hard to investigate my issue. After a couple weeks went by, I hadnt heard back. It wasnt until I called them and was told that my case was actually being closed that day and that nothing would change. Yet again, no reasoning given. I am so disappointed in this company and never plan on working with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to login to Experian and gave my social security # and numeric digit of my address. The username I thought I had used did not work, so I requested an email of my username and what I was emailed to my email was : XXXX I did not recognize the email address being used as my username and it is not my email. It appears that someone set up account information using my social security # and name, and so I can not get into change since I do not know the security question and PIN that was set up using my information. I tried calling Experian but was not led anywhere where I could resolve this problem using there phone system- only forwarded to other irrelevant recordings.
Product: Checking or savings account

For years I had a Navy Federal credit union and they would always charge me or allow transactions to go through and then when the funds were deposited, they were still take the money including the overdraft fee. I had to pay back {$500.00} in order to re-open my account.
Product: Mortgage

This company is a scam, I knew I should have never trusted them but they talk a good talk and took my money and did nothing. I paid them over {$3200.00} because they had promised me they will be able to save my house. I told them that I was already denied a loan modification but they insist their program is different and they get complaints open with government officials to force my lender to agree to reinstate my loan and restructure the loan to a more affordable term, which was a lie. After that fail even tried to tell me to file for bankruptcy and referred me to some lady name XXXX who advised me to file chapter 13 but could n't because I had filed too many times already so I do not understand why they would take my money and offer to file bankruptcy for me, that is not what they advertise. I almost lost my house because of them. I tried asking them for my money back in XX/XX/2016 and they took more than 4 months just to offer me a refund of {$320.00}??? All they did was file a complaint which I could have done myself, this a complete scam. I do not believe it is worth {$3000.00} to file a complaint to help me secure a loan modification. They are nothing but scam artists and they need to be stopped. According to the FTC MARS rules, it is illegal for them to collect my fees upfront but they claim they do not have to follow that law. I just want my money back since they did nothing they had promised. I refused to accept their offer to just return only {$320.00} out of the {$3200.00} I had paid them not to mention additional out of pocket expense of {$120.00} to use their notary service. So total I paid for help through them is {$3300.00}.
Product: Debt collection

I am writing this formal complaint against Harris and Harris , Ltd. who have been attempting to collect ( 2 ) medical debts from me which falls below the {$500.00} threshold.

The Fair Debt Collection Practices Act ( FDCPA ) specifically prohibits the harassment or abuse of consumers in the collection of debts. Section 808 ( 1 ) states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Yet, [ Name of the Debt Collection Company ] has been continually contacting me and exerting undue pressure for the collection of this minor medical debt.

Additionally, in violation of Section 807 ( 10 ), they have been making false threats about the consequences of non-payment of the debt, including credit score damage, wage garnishment, and even legal action. This misrepresentation is both unethical and illegal according to the FDCPA.

To add, the company has not abided by Section 809 ( a ) of the FDCPA, as I have not received a written notice containing information about the debt, my rights to dispute the debt, or any further action on their part.

In their collection practices, the agency has consistently overlooked the provisions of the FDCPA, which exist to protect consumers from unfair collection practices. I request the Consumer Financial Protection Bureau to investigate the actions of this debt collector and take necessary measures to rectify this situation. 

Reference : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous disputed the un authorized inquiries and an account that is not charged off or ever late
Product: Student loan

Nelnet has not processed my SAVE application, which was submitted to them by the DOE on XX/XX/2023. I have confirmation from the DOE that Nelnet is my service provider, but Nelnet has made no progress on my application, and insists that I do not have an application filed with them. 

On XX/XX/2023, Nelnet sent me an account update telling me that my account was in administrative forbearance, and that I was not required to submit any payment during that time. The message had no end date, and no message of loan payment activation was sent after the message of administrative forbearance was sent. It was my understanding that, as of XX/XX/2023, my account was in forbearance and did not require repayment. My account on Nelnet 's website has no record of this message -- in fact, I have no messages in my account inbox except for my statements. 

On XX/XX/2023, I received a message from Nelnet telling me that my account was past due, and that I owed twXXXX months ' worth of bills, totaling over XXXX dollars. That bill includes both the month of XXXX and XXXX, even after the account was supposedly put in forbearance. 

I have been unable to contact Nelnet on this subject outside of automated voice messages. Their hours are incompatible with teaching hours, and their call centers have an average wait time of 2 hours.
Product: Bank account or service

I received and deposited an out of state check in the amount of {$1700.00}. This check was deposited on Wednesday and when i checked my account on line Thursday the account showed {$2000.00} funds available. It did not say {$2100.00} deposited and {$360.00} available. This was a fraudulent check that I had received unknowingly, the scam artist then requested the funds be returned through XXXX XXXX, Which I did. Then 2 days later the Bank notified me that I was over drawn by {$1400.00}. My complaint is that the bank would not let me withdraw cash from the teller, atm or use my card in excess of the {$300.00} but they allowed a wire transfer for {$1700.00}. I have tried everything to work out a solution with the bank but every dept says the bank will help and then refer me to the fraud dept. The fraud dept continues to hang up and offer no help. They even hung up the phone on me while i was on speaker phone at the local branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 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 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 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

I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to TransUnion. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went Bankrupt XX/XX/2005 and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan. 

I 'm respectfully requesting that TransUnion remove this out of date information from my credit report. It also belongs to my Ex-Husband and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

Citicards has been mailing me offers for XXXX bonus miles if I open a new credit card and spend {$3000.00} in first 3 months every 1-2 weeks for past few months. I finally applied for the card, was approved and spent over {$3000.00} in the time period specified. However they did not honor the bonus miles offer. I called and talked to an agent that told me I was n't eligible since I closed a Citicard 18 months ago. BUT if I am not eligible, why did they send offers to my house almost every week?