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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Email : XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Reporting of UCC-1 Financing Statement Follow-up to CFPB Complaint Dear XXXX Representative, I am writing in response to your recent communication regarding my dispute, where it was noted that the UCC-1 Financing Statement I submitted is not currently reporting on my XXXX credit file. 

To clarify, this UCC-1 Financing Statement is a public record filed with the California Secretary of State under filing number XXXX, and as such, it should be accurately reported on my credit file. This is not related to a trade line or any traditional credit account, but a public filing that reflects a lien on collateral under the Uniform Commercial Code. Public records such as UCC filings are essential components of a complete credit report and should be included to provide an accurate financial profile.

I have attached the following documents again for your reference and action : 1. Initial UCC-1 Financing Statement filed on XX/XX/XXXX. 


2. Restated collateral filings on XX/XX/XXXX and XX/XX/XXXX. 


3. Termination and additional collateral filings from XX/XX/XXXX. 



This information must be accurately reported as part of my credit history, and I respectfully request that you correct the omission and update my credit file immediately to reflect this public record.

Please confirm once this action has been completed or provide a detailed explanation of any further steps required. Additionally, I request a copy of the revised credit report once the update has been made. 

I trust that XXXX will ensure the complete and accurate reporting of my public records, as required by the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : UCC-1 Financing Statement ( Initial Filing and Amendments ) -- -
Product: Debt collection

Mosaic solar charged me XXXX  I never signed or agreed to any service. I was just checking to see what savings I would have. And cost to do it. 
Never agreed to service but have a loan on my credit report
Product: Student loan

I had to take out a loan for a college program I was doing, during the program many things were changing. The loan, already priced very high, was super expensive and hard for me to get but I was able to get it approved and continue the program. Then things started changing in the school like everything went to an online school format and that is not what we expected or what we were paying for. So after changing everything, almost all of the students grades started to lower including mine, which lead us to failure. Thats is what happened, they were not teaching well like they were in the beginning of the program and a lot of the students I spoke to failed many tests and the program. I unfortunately failed the program barely passing, I actually passed but they could not understand my situation of help me instead they decide to kick me out of the program and leave me with the debt. This happened at the XXXX college at the XXXX campus.
Product: Credit reporting

Transition has an account from the us department of treasury listed on my credit file which has been closed since 2011 which is a government fine from the bankruptcy court for a bankruptcy that did not belong to me. However transunion has the wrong date the fine was open and the wrong date the debt was closed. This account is closed and in collections and they are still charging fees and interest that is appearing monthly on this closed account. This should be deleted it 's not my bankruptcy that got the fine imposed.
Product: Student loan

I have had issues with XXXX  for the last 10 years. They have recommended forbearance options which then added high interest rate fees to XXXX account thereby increasing my total amount fairly substantially. They were NOT willing to do an income driven repayment plan. I have sent multiple requests over the years and have not received a response. This is highly affecting my credit score and thereby affecting my professional life. I need this fixed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

This Nelnet account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from XXXX XXXX XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 

1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.
Product: Debt collection

On XX/XX/2022, I received a call from Leviton Law at XXXX in an effort to collect a {$7000.00} debt on behalf of my father and a business he briefly served as the CEO of and stated that I have an obligation to the debt. 

I have absolutely no involvement or employment history with the business whatsoever and have no obligation to the debt or any matters pertaining to the business and the debt in question was prior to my father 's brief employment with the organization. 

I have not acknowledged the debt with Leviton Law and am in the process of drafting a cease and desist with legal representation.
Product: Credit reporting or other personal consumer reports

I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( Newrez ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.
Product: Credit reporting or other personal consumer reports

Experian, has an inquiry on my credit report that I do not recognize ( XXXX XX/XX/year> ), I have sent several letters, I have called several times and they do not agree to delete the aforementioned inquiry that is affecting my score.
Product: Debt collection

I received a letter dated XX/XX/XXXX from Wakefield and Associates notifying me that a medical debt from XXXX XXXX XXXX XXXX XXXX had been listed for collection in the amount of {$1600.00}. This was presumably for services rendered at XXXX XXXX XXXX XXXX in XXXX AL on XX/XX/XXXX. I entered into a payment agreement with XXXX XXXX for oustanding charges for this visit and have been paying monthly since XXXX of XXXX with the last payment just made today, XX/XX/XXXX. I have not received any requests for payment from separate entity XXXX XXXX XXXX other than this attempt to collect by Wakefield and Associates.

In a resolution to another CFPB complaint, Wakefield acknowledges that there are two accounts in their possession - one from XXXX XXXX for facility charges and the other from XXXX for physician charges. The facility charges have been returned back to the hospital since payments have been made accordingly. For the physician charges, Wakefield provided a general statement of account dated XX/XX/XXXX. It appears to be manufactured by the collection agency and not XXXX and is the only notification I have received regarding these additional charges. It is misleading to be told that I am entering into an agreement to pay for the services rendered and then to be blindsided by collection activity for charges I have not seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX In accordance with the Fair Credit Reporting Act Experian has violated my rights. 15 usc 1681 section 602A states I have the right to privacy. 15 usc 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 
I, XXXX XXXX, am requesting that i be provided the method by which you verified that i applied directly for credit or gave my permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file. 

The FCRA states that the only permissible purpose for pulling a credit report is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following inquiries are not related to none of the aforementioned permissible purpose. 
Please remove these inquiries from my credit report immediately.
Product: Debt collection

On XX/XX/XXXX I sent a debt validation letter to Sequium Asset Solution, disputing a debt that I do not recognize. I requested verification and validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) to ensure that the alleged debt was legitimate and that it rightfully belongs to me.

After receiving no response from the company, I sent a second validation letter on XX/XX/XXXX, reiterating my request for documentation proving the validity and ownership of the debt. As of today 's date, I have not received any response from the company.

Amounts and Actions : - Date of first letter sent : XX/XX/XXXX - Date of second letter sent : XX/XX/XXXX- Total amount of alleged debt : {$230.00} - Actions taken by me : Sent two validation letters requesting debt verification and proof of ownership.

- Company 's actions : No response to either letter.

- They are reporting me INCORRECTLY to the credit bureaus.

The lack of response from the company is a violation of my rights under the FDCPA, as they are required to provide verification of the debt upon request. I seek assistance in addressing this issue and ensuring compliance with the law by the company involved.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.
Product: Debt collection

Jefferson Capital brought an account from XXXX XXXX collection amount of {$920.00} I asked them to send me something validation of this account and they did not respond and now its on my credit file
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER XXXX SUBCHAPTER C PART XXXX XXXX ME THE RIGHT TO OPT OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX.
Product: Student loan

My monthly interest should be around {$76.00} per month. My ENTIRE payment of XXXX is being applied towards interest only. My due date is not until XX/XX/2021. I am on auto debit and they have applied the last 2 payments of {$160.00} to only interest. I do not need a long drawn out reply from Nelnet explaining " simple interest ''. I want a straight and to the point answer. Spare me the XX/XX/XXXX and don't write endless paragraphs of nonsense.
Product: Debt collection

Beginning of last year I was taken to court by the company and was close to eviction. The full amount was paid off via rental assistance and I evacuated the apartment in XXXX of 2023. Since then the account has been moved to collections and I am not being charged from the company an outstanding balance of over XXXX dollars.
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 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  Account Name : UNKNOWN : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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/year> 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

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS 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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : 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 Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : 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 XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Names : XXXX XXXX Employers : XXXX XXXX Addresses : 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 XXXX : XXXX XXXX
Product: Credit card

I have tried unsuccessfully with Bank Of America ( BA ) to resolve this issue. 

I must have been online in my BA account ( I have BA checking and a credit card ) on XX/XX/2016. I was paying bills. I noticed that my BA credit card showed my minimum payment due for XX/XX/2016. I went ahead and set up a transfer from my checking account of more than enough to cover the minimum payment. MY BA checking account shows that money coming out on XX/XX/XXXX. My BA credit card statement shows that money being credited on XX/XX/XXXX. 

I was paying bills on the night of XX/XX/XXXX. I noticed my BA credit card was still showing the minimum payment due on XX/XX/XXXX. I called the number on my credit card and talked to a reprehensive at BA. She told me that she saw what happened and did not understand why it was not showing the payment due being paid. She noted my file. 

I was on my PC paying bills again on XX/XX/XXXX and decided to pay an additional payment, because I had charged more than I wanted to so far that month. When I got back on after XX/XX/XXXX, around XX/XX/XXXX, my BA account showed my account as past due. 

BA credit card is saying since I set up the transaction on XX/XX/XXXX, It was applied to my previous statement! How can that be when it shows coming out and going in on XX/XX/XXXX? BA has a XXXX system. 

I have called BA, sent a letter to BA credit card dept. and went into the local branch. All I get out of BA is tough luck that is our system and it ca n't be fixed. They will supposedly waive the late fee, but I have no idea how this will affect my credit. They want me to pay an additional payment. Is this any way to run a major bank?
Product: Debt collection

XX/XX/XXXX XXXX called Penn debt collector and I was hung up on. XX/XX/XXXX XXXX for the second time called Penn credit collector and I was able to speak to a collector. I told them that this is a pay by plate and I am unable to renew my License do to unpaid pay by plate tolls. I explained I would like to dispute this because these are not mine. My license plate was taken I had to order a new plate from the RMV. On XX/XX/XXXX I had ordered replacement plates XXXX. I received a Number Plate Permit issued the same day XX/XX/XXXX. THe collector told me that they would be sending a letter out to me which I have not yet received. I do not have any dates of t or information requarding itemized dates, toll amounts, fees and late charges. Also I want photos of my vehicle going through these tolls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$14.00} ; XXXX XXXX  XXXX Balance : {$690.00}
Product: Credit card

I randomly received a Mastercard fro Comenity Bank that I never applied for so I called to close the account. I was told I would receive an email confirming the closure but never received it. I called the same phone number to confirm. It was closed and the verbal league confirmed that the account was closed. Couple weeks later I received an American express bread rewards card from Comenity that I never applied for with a {$6500.00} credit limit. I called the XXXX XXXX number listed in the paperwork and an automated message Stated that they can not assist me until after XX/XX/XXXX And then disconnects the line.. Today is XX/XX/XXXX And I'm still getting the same message with an immediate disconnection of the line. There are no other phone numbers to call and quick search on the internet gives the same phone number. It is not allowing me any other options to close the account or to even talk to anybody. This worries me deeply that I can get random credit cards in the mail with No Idea where they came from or How they got my information Without my knowledge or approval. I want the account closed. I don't trust this bank. I don't want them to have any of my information. I don't want them to reach out to me for anything but to close this account.