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

I tried to reach out to all 3 credit reporting bureaus with no success.

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.
Product: Debt collection

This company is a fraud. I contacted this company on XX/XX/XXXX when they placed a collection account on my credit report. They stated that I owe them {$500.00} for a hospital bill from XX/XX/XXXX. I have never heard of this company nor have I received any mail from them in the past. I have no idea about a delinquent bill from North Carolina. I live in Maryland. This company is a fraud and very unprofessional. I asked them to send me a verification letter of the debt and they emailed stating that I owe the bill but it is not a verification letter that I owe the debt nor does it state that the Hospital assigned them the account. Usually debt collector contact you before placing derogatory marks on your credit report.
Product: Credit reporting or other personal consumer reports

I called the company about them not putting money on my account when I paid them. I talked to 2 women from the company who told me that they owe me money because I over paid. 
The card was for XXXX dollars. Well when I looked at my statement it read like this XXXX. So I would make a payment of XXXX. I sent in over XXXX dollars in payments. The ladies I talked to told me I was owed XXXX dollars. Then when my next statement came. It was the opposite. They said I owed them. Now my card got ruined so I ordered a new one. So when I called them to discuss the issue. They wouldn't listen nor could you understand them. I told them to fix the issue or I was going to cancel my card. 
The line went dead. They hung up on me. I received my new card and tried to use it and Denied. That's when I found out they canceled my card and closed my account. They still owe me money and are still sending me bills that I do not owe them. I broke down every number in my statement to show them that they owe me money and they refuse to believe it.
Product: Debt collection

XXXX are billing me for an account that I don't have.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CANT VERIFY WHAT THEY HAVE IN THERE SYSTEM SO THEY REFUSE TO HELP ME
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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 or other personal consumer reports

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution has furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has a card listed on my credit as in a collection status or in a charged off status.

According to my info and the fdca reporting an account paid as in a collection payment status or in a charged off status not the paid payment status is illegal.

Also if Wells Fargo charged off the account and received funds or a tax deduction for claiming this as a charge off they should be refunding my money.

I want the accounts payment status listed as current as of XX/XX/2017 and or removed from my credit report as Wells Fargo has listed this jncorrectly as a means to purposely damage my credit and my ability to obtain loans due to their refusal to correct this even though its a violation of the fcra. Listing the payment status in notes is not updating the payment status to the follow of the federal law. Notes dont affect a positive status. What reports as still as derogatory is the payment status which is incorrect. Wells Fargo received payment XX/XX/2017 and agree to remove the account. They did not remove it and instead chose to violate fcra by reporting an incorrect payment status
Product: Debt collection

They call me at least once daily for the last 3 weeks. I answer tell them my situation has not changed since the day before. I have asked them to quit xalling my cell phone number and requested that they mail me information about the debt and I will call them once our financial situation gets better.
Product: Debt collection

Paid off in full XXXX  years ago mortgage but its still reporting negative on my profile
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have made bi-weekly appointments since the start of my loan in XX/XX/year>. I started making payments in XX/XX/year> so I would be a month ahead. I called in XXXX and spoke with a customer service agent about what I was going to do and if this would be accepted. She stated yes and would get this " set up '' for my account. May came, they put my payments to XXXX and not to my payments. I got a " missing payment '' call in XXXX ; that is how I found out. and was sent to excalations, they took the money from principle and applied it to my XXXX payent and assured me they fixed the issue and it would not happen again. In XXXX got another call about a " missing payment. '' I again called in and spoke to the escalators, and I was assured the problem would be fixed. They took the money form principle and applied it towards my payments. Well, in XXXX, I got another call that I had missed a payment, and the same issue has happened again. I have again been assured that the problem has been fixed. I have asked to speak with a XXXX each time and noone has called me back. I have spent an hour of my time each month taking care of this problem UWM has caused. The stress alone has been a problem ; the mental and physical toll this has taken has gotten out of hand. I can not believe a company can operate this way!!!
Product: Credit reporting

I have tried to dispute this account online and Experian refuses to allow me to do so. They have an account for XXXX XXXX on my credit report with the terms and payment history wrong. 

A. The account is listed on my credit report but the account has been closed for over 2 years. 
B. They have that the account is currently 60 days late. The account is PAID IN FULL. 
C. I want to dispute this account and they will not allow me access to my credit file. What is the problem?
Product: Debt collection

I have been getting constant calls from debt collectors, and its becoming overwhelming. Theyre even contacting my friends and family, which feels like an invasion of my privacy. Its incredibly upsetting, and I feel stressed out every time my phone rings. This harassment is really taking a toll on my peace of mind.
Product: Student loan

I initially received correspondence from American Education Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX since XXXX, XXXX. I have repeatedly denied that I have any loans with them. 
All of my loans are with FedLoan Servicing and have been on repayment since XXXX. I do not have any other loans which they claim a balance of {$560.00} out of an original {$1600.00}. They have refused to produce a note or evidence of a disbursement to a school I attended. They have refused to cease contact and collection after sending a cease letter dated XXXX XXXX XXXX in a recent letter stating that their assignee requests they still collect. I have also reported them to the XXXX department. I am formally filing a complaint against them and believe they are perpetrating a fraud. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used
Product: Student loan

My loan was put into administrative forebearance for 2 months without any notice or agreement from me by Mohela. I am now being charged interest but I can not make payments on the loan. Am I ready and able to make payments but I am being prevented from doing so by Mohela and I am being penalized with interest accruals that are not due to my inability to pay. If Mohela can not process my payments, then I should not be accruing interest on the loan.
Product: Student loan

I am a XXXX Veteran on a fixed income and I am seeking relief and any available damages from Navient for predatory debt collection practices on a private student loan. I became XXXX while in the process of obtaining a degree from XXXX University XX/XX/XXXX. At the Time I had Federal loans through XXXX and a private loan through XXXX. I went through a Bankruptcy XX/XX/XXXX which was finalized XX/XX/XXXX. XXXX closed the account on XX/XX/XXXX. No payments were ever made. After receiving my XXXX rating from the Veterans Administration I went through the process with XXXX to have my student loans forgiven and eventually received notification that the U.S. Department of Education had accepted my application ( attached ). Some time later this Company called Navient started harassing me and pegging my credit report for missed payments. I provided them documentation from XXXX and told them that I never had a loan through them. They stated that the letter did n't apply to them and that I had to pay. After quite a bit of back and forth and after them sending it to various collection agencies I had an attorney send a letter ( attached ). The original XXXX loan was originated on XX/XX/XXXX and account closed on XX/XX/XXXX. The Bankruptcy was finalized XX/XX/XXXX. Some time after this Navient somehow took over the loan and said I have to pay no matter what. My attorneys recommended that the best course of action is to go through CFPB as this company has a history of doing this and you are familiar with their practices. 1 This debt was listed on my bankruptcy. 2 if this debt is not covered by that bankruptcy the statute of limitations of 6 years for collections and 7 years for credit reporting has long since expired. 3 the process and proof produced to XXXX and recognized by the U.S. Department of Education should be recognized. This company continues to damage my credit and report monthly, this has cause me continued harm over the years ( credit summary attached ). This company took a {$1500.00} loan and turned it into a fictitious {$44000.00} debt that they never even serviced in the first place and use predatory collection practices to attempt to take advantage of unsuspecting consumers.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX agency numerous of times around XX/XX/XXXX regarding the account that appears on my credit report. The company in dispute is Capital One Bank, dated XX/XX/XXXX in the amount of {$2500.00}. I also contacted Capital One Bank and ask them to validate the debt by providing me with documentation that proves this account belongs to me. They have not been able to provide me a solution and told me I would have to contact XXXX regarding the account. On XX/XX/XXXX I received notification that the account was deleted from consumer report. Upon checking my account some time later around XX/XX/XXXX the Capital One Bank account was back on my consumer report after already being disputed and removed removed. It is my understanding that before reinserting an account that has been removed I should have been notified, which I wasn't. I have sent letters to XXXX demanding the account be removed again but they have failed to do so. I have not been provided with any documentation as to why this account still remains. This is an urgent matter that must be taken care of immediately as it is affecting my credit negatively and my ability to flourish and provide for my XXXX kids in a sufficient manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME I HAVE REQUESTED THE REMOVAL OF ALL INQURIES THAT DO NOT HAVE MY SIGNATURE AS STATE IN THE FCRA LAW??????????????
Product: Debt collection

This is a medical bill from a XXXX  XXXX  from 2021 with Grant and Weber. They're reporting it on my credit report and adding an interest each month so it keeps showing up as increased debt collection. The debt is old and shouldn't be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This charge-off account being reported by XXXX XXXX, account number : XXXX was opened in my name in XX/XX/2005 without my permission. I believe my identity was stolen to open this account. This credit card was never opened by me nor I gave anyone my permission to open it. I wrote several letters to Experian asking them to remove this fraudulent account from my credit file, they failed to comply. I filed a police report along with an identity theft report and sent them to Experian. 30 days later I received a letter from Experian stating that this fraudulent account was verified as accurate. This fraudulent account, which is now charged-off has caused me serious financial stress and my credit score has been severely impacted. Im asking that Experian remove this account from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT. 
THEY MAILED ME TWO DIFFERENT LETTERS, THE FIRST ONE STATED THAT THEY VERIFIED IT WITH THE COURTS, WHICH WAS NOT TRUE, I CONTACTED THE COURTS AND WAS TOLD BY THE COURT CLERK THAT THEY DO NOT REPRT ANY INFORMATION TO THE CREDIT BUREAUS BECAUSE IT WAS AGANIST THE LAW, I NOTIFIED EXPERIAN AND TOLD THEM, THEY MAILED ME A LETTER STATING THAT IT WAS VERIFIED WITH XXXX XXXX, I CONTACTED XXXX XXXX ND THEY STATED THAT THEY DO NOT HAVE A BANKRUPTCY SHOWING ON MY FILE, I HAVE MAILED THEM CERTIFIED DOCEIMENTS TO PROVE WHAT I WAS TOLD.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is allow fraudulent companies to file fake information because this account is not my because i never live on TX, some one use my information and i try take with this company but they not correct the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Product: Debt collection

I recently received an update on my credit report that a bill from the XXXX XXXX XXXX XXXX XXXX has been sent a collection agency on XX/XX/2018. The total balance due is {$180.00} and says the account was opened on XX/XX/2018. I have never had an account sent to collection or any derogatory marks or late payments. I didn't receive any phone call or letters regarding this bill so I wasn't able to resolve the issue before they sent it to a collection agency. I would like to see what can be done to receive some goodwill and have this mark removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports