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

I settled 2 student loan accounts with Wells Fargo in XXXX. During the negotiation process I was told my credit reports would be updated 15 days after payment was received to show the accounts were settled and closed. Wells Fargo received the settlement payments on XX/XX/2020. I contacted them on XX/XX/2020 to confirm when they received payment and was told at that time my credit reports would be updated within 30 days from receipt of payment to reflect the settlement payments. I let the representative know I had been told 15 days but they told me I was informed incorrectly. Once 30 days passed I checked my credit reports multiple times to confirm that they were updated to reflect the settlement payments but Wells Fargo has made no updates. I called Wells Fargo on XX/XX/2020 to inquire when the reports would be updated and the representative told me I needed to wait. I informed her I had been told the credit reports would be updated within 30 days and she said maybe it would be done in 60 days and to check back later. She could not confirm if and when the updates to my credit report would be made only that I needed to wait.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

When recently applying to refinance my car, a lender pulled a report from both XXXX and XXXX. XXXX reported a judgement on my consumer file in error. Upon investigation, I discovered 2 separate factors warranting the immediate removal of this account from my report : ( 1 ) the account information belongs to a consumer with a different last name & different social security number than mine ; and ( 2 ) the judgement was for collection of a loan that originated on XX/XX/2010. This information was supplied to XXXX, and they refuse to remove this information from my credit report.
Product: Checking or savings account

The bank closed my account for no reason and wouldn't give me a reason for the closing. Any time I asked about why they said they were not allowed to discuss the matter. When I asked foe senior management they said there was nobody that I could talk to. I'm not the kind of person to cry about things but when I have money in my account and they tell me it's being closed for no reason and won't give me a reason is fishy and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account ACCOUNT # XXXX USAA FEDERAL SAVINGS B THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, transunion, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy.

Delete these addresses they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX XXXX requsted assistance from vystar representatives for consolidation loan. Im a XXXX and the way they are trained seems inept and communication is confusing to me, if not bordering exploitative, see fs and today XXXX XXXX XXXX i find another transaction notice after i was there on XXXX and the third time they claimed resolved. 

They offered to combine loans and close credit card. Then i find monthly they are still withdrawing from my checking to fund credot card- that they told me they closed. I return twice and spoke to two of their people, each time waiting a long time and was told issue resolved. But it continued, including in XX/XX/XXXX, 5 months later. One blamed me and told me I had to cancel auto withdrawal and i had to return to sign paperwork, wasting my time. They told me it takes x many days for them to process. However, Today i paid off a loan from XXXX XXXX, within hours, from a phone contact. they sent notice they had canceled my easy pay but the inefficient vystar claimed it could take months and I'm was required to travel and sign documents, in person 3 times. And for the most part they seemed jovial and not apologetic. Adding a felt degree of insult to injury. 

Today XXXX XXXX XXXX, entered vystar on isb in XXXX to pay off a loan and this time attended to by manager. i asked again if and then why they keep unauthorized withdrawals from my account to fund a card that they allegedly closed. Again, I'm waiting an extended tine as they fumble to another and i have to sign 3rd set of papers to cancel payments that they should have processed 5 months ago. 

So i feel they owe me for my time and travel, any Interest lost, aggravation, / mental frustration, Any fees charged, any libelous duragatory or inaccurate information that may have affected my credit and credit rates on new loans or credit checks by other institutions for the 6 months including that acquired from competitive institutions, info inaccuracies sent to credit bureaus or that they stated without my permission. Also, a forensic audit by auditor to be disclosed later as i have no confidence in their abilities in loans or any type of transactions, considering they have essentially lied to me about fixing the problems they created and seem very confused, asking me questions about what they have done, asif i can explain their process of ineptitude.or results.
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  : # 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: Debt collection

Consumer 's account was assigned to NCM on XX/XX/21 for collections, by XXXX XXXX XXXX  University. NCM attempted to discuss account with consumer but consumer hung up the phone. Validation information was sent to consumer on XX/XX/21 explaining that consumer is responsible for the remaining charges for enrollment to the University. Since consumer has disputed the account. NCM has closed the account back to XXXX XXXX XXXX University and consumer can contact the University to discuss the account. 

Since this account is closed and NCM has sent the account back to XXXX XXXX XXXX University you have no business reporting this false and fraudulent account on this alleged debt you never had any rights to report on my consumer reports.
Product: Credit card

I got an email on XX/XX/year> that I would be receiving a credit card from a closed account from a year ago with CapitalOne. I did not request a card and I had no open accounts on my mobile app so I ignored it, thinking it was a scam. I received a credit card today in my name, at my address, that I did not order. 
I called CapitalOne and they said I applied for it earlier in XXXX... I did not. I have not applied for a credit card this year. They told me a different number was used in my application and said they would open an investigation. 
I do not know how or why someone would apply for a credit card with my information but I did not apply for anything and now it is in my credit report as a hard inquiry as well. I froze my credit with XXXX, XXXX, and XXXX. I also changed several of my passwords because I think they might have gotten information from the password leak XXXX warned me about earlier this year. 
I did not request anything and I did not apply for a credit card.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act, TD BANK USA/TARGETCREDIT XXXX XXXX XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of a serious matter involving XXXX XXXX XXXX XXXX XXXX that has reported inaccurate and fraudulent information on my credit report. XXXX XXXX XXXX, XXXX, has forged my signature on a fictitious medical document and submitted a billing statement containing incorrect information. I believe their actions not only constitute a violation of forgery laws, but also a breach of my rights under the Fair Credit Reporting Act. 

Details of the fraudulent activity include a fictitious document titled " Patient Registration & Financial Acknowledgement Form '', created by the company themselves. As a result of this situation, I am disputing the legitimacy of any debt related to this collection agency and request that you promptly investigate and remove this erroneous information from my credit report. 
Attached are copies of the Forged Document, created by themselves, as well as the billing statement containing incorrect information. 
I kindly request that you take swift action to address this matter in accordance with the FCRA, and consider this a serious matter with disputing this information from my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies within the last 30 days. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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 XXXXXXXX Revolving with account # XXXXXXXX XXXX XXXX XXXX XXXX Installment with account # XXXX Chapter XXXX bankruptcy 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 can not furnish an account without my written instruction 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

Equifax credit report. All was fine until late XXXX when it just went blank with the exception of personal info. Eventually getting a BLNK code at sign-in saying to call. I've called many times ( in XXXX, XXXX and XXXX ) and no change. I confirmed with XXXX XXXX that they have been reporting to all 3 agencies. Got a second credit card and that is now reporting on Equifax but the XXXX XXXX card is still not showing after 3 months of calling and asking for help. I've been told many things ... 'you must not have the card anymore and that's why you have no credit ', " we'll submit a tcket ', 'Its not being reported to us ', and 'just wait 30 days '. This has been a few months now and I need help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer protection agency, for their failure to comply with the Fair credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
Experian 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Transunion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, in regards to several inaccuracies. To my surprise, they continually to refuse to correct, and or remove or correct, this last erroneous reporting account from my consumer report. With just a precursory glance, they can see that this account is reporting a payment history " After, '' said account is closed. Specifically Transunion is reporting this account was closed on XX/XX/XXXX, and yet they continue to report payment activities on XX/XX/XXXX, XX/XX/XXXX, as well as XX/XX/XXXX. Even with out reading it in the FCRA, Transunion, and any layman is aware that this is impossible, as a closed account should never show payment activities After it is already close. They refuse to correct or delete, they continually have said the information is *Verified. They also have refused to send me the information as to how they verified, and with whom, although I have requested such in Accordance with FCRA, Section 611 ( a ) ( 6 ) and ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed with XXXX in XXXX of XXXX. I notified my auto loan company Capital One. I was not able to reopen my office to go back to work until XX/XX/XXXX. I struggled with re opening as it took a bit for me to rebuild my customer base as I am a XXXX  and had to wait for our courts to reopen so my clients could file their documents after I prepared them. The courts did not open until XX/XX/XXXX due to the courts not opening up until XX/XX/XXXX. I struggled due to having to rebuild my client base. I never received any Covid assistance through XXXX. There was a moratorium order to protect consumers credit. I informed Capital one, but test they kept dinging my credit score which was against regulations. They never assisted me. I need all the lates removed from my credit. In XXXX of XXXX I came to an agreement with Capital one. I paid {$7000.00} and the sent me a 1099 for the balance to file on my credit report. There was no charge off as they reported charge off on my credit. It couldnt be charged off if I paid them directly.
Product: Checking or savings account

XX/XX/2022 I deposited {$100.00} through an ATM to my checking account at the Citizens bank located at XXXX XXXX XXXX XXXX in XXXX, PA. The ATM gave me a receipt but did not put the money in my account. I immediately noticed this while at the ATM and walked to the bank teller to ask for my money since I need it for diapers and food. The bank refused to give me the money despite my receipt.
Product: Debt collection

The student loan debt was collected by my tax refund offset for the full amount. ConServe withheld a total of {$92.00} between the XXXX loans by not paying the full amount offset. I believe this was to keep me in default so that I will pay the {$1200.00} in fees and costs they say is owed to them. But as far as I know once a student loan in collections is paid by tax offset they can not collect fees for collecting it because the debt is satisfied.
Product: Credit card

This account was closed on XXXX/XXXX/13 want to be removed from my credit.
Product: Mortgage

After receiving a payoff of {$170000.00}, which included an amount of XXXX in escrow disbursements the matter to settle this is URGENT. We are attempting to payoff a mortgage with Mr. Cooper and believed what we owe was at least {$130000.00}. An investigation has gotten underway but in the interim, several escrow representatives has stated this amount comes from payments to the tax departments. I have called the individual tax unities. Specifically, XXXX XXXX XXXX, who received a payment of {$17000.00}. 
County tax XXXX and Mud tax of {$6100.00}. These amount calculate to over {$28000.00} in payments. Please see the attached XXXX tax exemption. XXXX XXXX  tax department has declared we received the money and their was not a request to send it back. We are asking the the escrow and tax department  request the amount back and refunds back to the account ASAP. This loan will be a part of federal employee 's loan profile and paid through a system. However, it has to be transfer first!
Product: Mortgage

Ocwen Loan Servicing : Need I say more? NOTHING has changed since the settlement. They are still using the same old tactics ; 1 ) Taking advantage of homeowners with servicing shortcuts and UNAUTHORIZED fees2 ) misconduct at every stage of mortgage servicing process3 ) Failure to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements4 ) Charging borrowers unauthorized fees for default-related services5 ) Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance ( in order to get kickbacks from their affiliate " XXXX '', funnelling XXXX t XXXX6 ) Artificially inflating borrowers premiums by XXXX TIMES the cost of coverage7 ) Failure to release loan satisfaction papers if someone is lucky enough to refinance after THEY TRASH YOUR CREDIT SCORE8 ) Too many others to list hereXXXX )
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 U.S.C 1681. 

1.Account name : XXXX XXXX XXXX XXXXXXXX 2. account name : XXXX XXXX XXXX XXXX XXXX 3.account name : XXXX XXXX XXXX  XXXX 4.account name : XXXX XXXX XXXX XXXX XXXXXXXX 5.account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 6.account name : XXXX XXXX XXXX XXXX XXXXXXXX 7.account name : XXXX XXXX XXXX XXXX XXXXXXXX 8.account name : XXXX XXXX XXXX XXXX XXXXXXXX 9.account name : XXXXXXXX XXXX XXXX XXXXXXXX 10.account name : XXXX XXXX XXXX XXXX  11.account name : XXXX XXXX XXXX XXXXXXXX 12.account name : XXXX XXXX XXXX XXXX XXXXXXXX 13.account name : XXXX XXXX XXXXXXXX XXXX XXXX 14. Account name : XXXX XXXX XXXX XXXX XXXXXXXX 15.account name : XXXX XXXX XXXX XXXX 16.account name : XXXX # XXXX 17.account name : 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 an account without my written instructions.

15 U.S.C 1681s-2 ( 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 then records of convictions of crimes which antedates the report by more then 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 information is inaccurate.