23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Debt collection

I had been a XXXX XXXX customer since XX/XX/XXXXand in XX/XX/XXXX, I moved. I decided to suspend my cable service until I found a permanent home. XXXX explained I could do that for up to 3 months. I was very clear and specific about the fact that I wanted to pay up to the last date of service because I didn't want to have any fees due as I know how cable companies are prone to refer unpaid, outstanding bills to collections. Well, after a month, I called to inform XXXX  that I wasn't going to reinstate service with them. Somehow, it turns out, I had a bill. I repeatedly asked them to send me the bill so that I could review the charges. I never received the bill and they continued to pursue collection for the bill. In XX/XX/XXXX, they referred my account to Receivables Performance Mgt. When I received their first collection letter, I requested a copy of the last bill and they didn't provide it. At this point, they have now posted the collection on my credit report. I find that both XXXX and Receivables Performance Mgt. have acted improperly in their collections process. I have a right to verify the charges and to review the last bill of service. I would like to have this corrected and removed from my credit report.
Product: Checking or savings account

I have had overdraft fees charged to my account that have been incorrect over the years. I have closed my account. Due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently lease my car through Ally Auto. This is the third time I have had problems with them reporting false/inaccurate information regarding my account to all of the credit reporting agencies. I honestly dont know how this company continuously gets away with this. Its fraud. It affects peoples credit score it is not okay. During COVID-19 I had a similar issue and it took months to get fixed, I couldnt even speak to a manager or anyone who could help me from Ally for MONTHS! Recently I filed a dispute on my Ally account status on my XXXX credit report. Back in XXXX I filed for chapter XXXX bankruptcy however my car lease with Ally was not included in this. Both myself and my attorney have both spoke to and sent correspondence with this information to Ally Auto. Not only that, I have continued to make my monthly car payments and am good standing with Ally. They have reported that my account was closed and my lease was included in the bankruptcy which is false information. After the dispute they then changed it to my account status is in forbearance or deferred and I havent made a payment since XXXX. Again this is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Debt collection

TSI Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account number XXXX Sent me a bill for {$360.00} with XXXX. 
My complaint with them is : you post consumer information on your website that they need to write out interest, fees, payments and credits. 
They didn't bother to give me a breakdown. Why? 
In XXXX the XXXX bill according to XXXX at XXXX was {$270.00}. That incorrect amount is figured on XXXX  suspending my phone XX/XX/year>. So how can I accrue a larger balance? 
That {$270.00} is after XXXX reversed my {$220.00} amount in a credit dispute. So, you can see the confusion.
Product: Debt collection

Someone else used my information to receive free medical services. I never had business with them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name : XXXX XXXXXXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Mortgage

Suntrust XXXX Truist purchased my loan from rocket mortgage. The mortgage was transferred effective XX/XX/XXXX. 

I set up an account on their website on XX/XX/XXXX to make the payment but the pay link tells me I am not allowed to make a payment on the website. 

I called their service number ( XXXX ) on XX/XX/XXXX and and waited on hold for 35 minutes. I talked with a representative named XXXX who told that they would not be able to accept my payment because the account is delinquent. I was told that I could make a payment by calling them - and she gave me the exact same number that I had called before. 

I never personally established a relationship with Truist and they are now making me jump through hoops to pay my mortgage. They are in violation of the 60 day service transfer grace period and clearly dont have the operational capability to be purchasing mortgages from other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit reports, I noticed my Navient Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX  and XXXX  reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is incorrectly reporting that all XXXX of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had XXXX student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then XXXX loan at a time. I don't believe its possible to receive XXXX loans at the same exact time. All XXXX accounts have the exact same account number which is not possible, so I'm being penalized for being late on XXXX student loan account XXXX time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : USDOE/XXXX  XXXX Date Opened XXXX XX/XX/2007 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I have made 6 ontime payments with oportun and my payments are not paying the loan balance off. This company is in violation of the state of Oregons predatory lending laws. When I try and communicate with the company I get someone who barley understands english and can not explain or help me. this has created a situation where it doesnt seem that the loan will ever be paid off and I can not afford to pay {$230.00} a month for the rest of my life. I currently reside in Oregon.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Credit reporting

Contacted all XXXX credit bureaus to have a account added to my file. This installment loan was taken out by myself and paid in full on time each month. I 'm trying to show future creditors that I 'm am reliable and able to take care of my financial responsibilities but if it 's not being reported I ca n't prove that. I 've sent correspondence to all credit reporting agencies and have n't heard anything as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 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. 

XXXX XXXX XXXX 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 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 have been submitting letter on XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below XXXX XXXX XXXXXXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

LendingClu # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is continuously reporting multiple Unverifiable, inaccurate, misleading, inconsistent information on my Transunion credit report. As of XX/XX/2020 all of the following Accounts are in violation of FCRA rules and must be immediately removed from my TransUnion credit report. 



( XXXX XXXX ) This account can not be verified by original creditor a violation of FCRA rules and Regulations of the FDCPA section 809.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy on my credit report. All the information was totally incorrect including the spelling of my name and birthday. I wrote the credit berueas. All three say that they got this information from XXXX XXXX and is valid. I wrote lexis XXXX and they sent this attached letter stating that this and other items are no longer on my report. I just got a letter today from XXXX  stating that they contacted XXXX XXXX and they said the Bankrupcy was valid. This is clearly fabricated. I would like them to remove this from my credit because it's not valid and totally against my rights. I attached letters from XXXX XXXX And XXXX. Trans Union and XXXX  sent me email notifications that the bancrupcy was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS
Product: Student loan

I am submitting a complaint against XXXX in regards to my old private students loans I used to have through XXXX from XXXX XXXX. My students loans are currently own by XXXX. They were transferred to FedLOans in XXXX. I am submitting this complaint because XXXX never provided me with information about other types of loan repayment/forgiveness such as the Income Driven Plans or the Public Loan Forgiveness . Instead, the only option I was given by XXXX was to put my loans in deferment. Currently there is a lawsuit against XXXX for using predatory strategies regarding loan repayment. Millions of students, including myself, were not provided with other plans for loan repayment. I worked for 6 years for a non profit organization, yet because my loans were on deferment, I never received credit for my 6 years of work as a public health research analyst. I have contacted XXXX about this two times already. I was told that because my loans are now own by XXXX, they can not provide me any information on this since I am not part of XXXX. I called XXXX, but I was told to call XXXX. I contacted the US Department of Education about this and I was told to submit a claim through here. 
Thank you
Product: Checking or savings account

On XX/XX/year> Upgrade bank which uses XXXX XXXX XXXX suspended my acct for suspicious activity. I was sending out urgent wires. They canceled my wires and I provided them with the bills, contact info of the places I was making payments to, and even the lease agreement for my rental. I also had my son 's birthday which I was planning an event for and showed them his medical records, which have his date of birth, which is XX/XX/XXXX. They kept telling me that a " department '' is reviewing my account but that there was no contact information for that department or way for me to get communication or an update from them. It has now been almost 60 days. My children and I have been evicted and I have had to borrow money for hotels. I have called them daily since XX/XX/XXXX and have sent emails and the representatives keep saying they don't know what to do because the " department '' is reviewing my account. All of my transactions are legit and I have provided them with a lot of information to verify. when I reported them to the FDIC I learned that XXXX XXXXXXXX XXXX tends to suspend accounts and hold funds from their members often without a legit cause. I also read that they have been in a lot of financial problems. All I want is for them to reinstate my account so that I can make urgent housing purchases and then close my account with them. I am very worried that they are trying to keep my funds.
Product: Debt collection

A person who identified themselves as XXXX XXXX called me around XXXX and asked for XXXX XXXX XXXX I told him that he can not be reached at my cell phone number I was speaking on, but he became irate and stated the following : " This is the phone number that he gave. I am not telling you who I work for unless you tell me how you represent XXXX XXXX! You must know how to get in contact with him! '' XXXX XXXX 's tone was harsh and unnecessary. Later I researched XXXX XXXX 's phone number and found he was calling from a firm called the National Credit Adjusters.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a creditors failure to update my credit report despite multiple requests. 

According to Experian and a letter they sent me in XXXX, this creditor has not updated my credit report for over 120 days, from XX/XX/XXXX, to the first week of XX/XX/XXXX. I have made over 10-15 requests to have my report updated. I have also disputed the balance and payment status of this credit card with Experian, XXXX, and XXXX, but their response has consistently been that the creditor has not provided any updates. 

Furthermore, the creditor has informed me multiple times that they had updated my account. However, when I checked my report on XXXX, it shows that my account has been closed, which was never communicated to me by the creditor. This action has severely damaged my credit score, and I am unable to rectify it without the correct updates. 

Additionally, I have contacted the creditor multiple times, but they continue to provide false information. They have assured me on several occasions that they would update my records or submit an emergency report, yet no updates have been processed. 

This failure to update my account and the incorrect reporting of a closed account has negatively impacted my credit profile. I request an immediate investigation into this matter and appropriate action to ensure my report reflects accurate and up-to-date information. 

Thank you for your time and assistance. I look forward to your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$39000.00} XXXX  XXXX Balance Owed : XXXX XXXX  XXXX Balance XXXX : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}
Product: Vehicle loan or lease

This is complaint number 4 for the same issue. I am now ready to get the media and an attorney involved on this matter. Chase continues to " lose '' my payments that are coming from a 3rd party payer, XXXX XXXX, due to the fact I am XXXX  XXXX and can not work. The payments are being sent correctly to the right address and are not being applied. I am being charged late fees, which WILL NOT be paid by me. Chase has inconvenienced me tremendously and my health is suffering due to the added stress. If this is not handled for the LAST time, the next time they will hear from the media and my attorney. Due to the Americans with disabilities act, I am not responsible for fees that happen because of something I can not control.