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

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discriminationXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted Nelnet XXXX XXXX  and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, Nelnet, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of

FCRA Section 623. XXXX and XXXX knowingly facilitate this. After failing to achieve effective communi
cation with my loan servicer I have also tried to have these errors corrected directly with XXXX, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Product: Mortgage

I was enrolled in a six-month trial modification for my mortgage loan due to prior deferrals amid COVID-19. The terms specified timely payment within the due month. To date, I have successfully completed five payments. The process entailed scheduled monthly calls from my account manager to facilitate these payments. 

In XXXX, this call was not received, which was critical as my online payment privileges had been revoked. On XX/XX/XXXX, recognizing the oversight, I contacted XXXX to fulfill my payment obligation. Unfortunately, the automated system repeatedly errored and disconnected without processing my payment. Determined to meet my obligation, I set reminders to call the following day, XX/XX/XXXX, to ensure payment within the month. 

Despite my attempts on XX/XX/XXXX, including accommodating for Fay 's time zone difference, the system failed to process my payment, necessitating a deferred transaction date of XX/XX/XXXX. 

Upon attempting to make XXXX 's payment, I was erroneously informed of a default due to the alleged non-receipt of XXXX 's payment. In response to my clarification attempt, the representative acknowledged my efforts and admitted a system error should have allowed for a same-day transaction. Additionally, I was made aware of the transfer of my account manager, resulting in a communication gap, contradicted by phone records that I have since provided, showing no such calls were made to me. 

Efforts to resolve this included a promise by another associate to have manager XXXX XXXX review the call logs. However, despite multiple attempts to contact both my new account manager and XXXX XXXX directly, my calls were not returned. 

Subsequently, I received foreclosure documentation. My intent and efforts to comply with the payment terms have been consistent, even with the significant payment increase from {$1100.00} to {$1800.00}. The lack of detailed statements leaves ambiguity around the application of these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to Wells Fargo Auto Finance to correct my XXXX XXXX credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2018, I accessed TransUnion to get my free annual credit report. I was lead to a page where I had to enter my debit card information to access my score. The page did not have any information whatsoever about anything I would be charged, and I trusted that the company needed my card information since they're a credit reporting agency and occupy a position of trust. I entered my information and was presented with my credit score on the next page along with information telling me I had been charged {$19.00} and had ( unbeknownst to me ) opted into a credit monitoring service with a monthly fee of {$19.00}. 

Upset that I was charged for something I was given no information about ( so I could make an informed consumer decision with all the relevant facts and service information ), I searched for the unenroll page on the TransUnion site. I spent a very long time trying to find where I could unenroll from the service I wasn't even told I was signing up for. I finally found the unenroll option buried in a far corner of the site. The dropdown menu for reasons for un-enrollment asked if I signed up without knowing what I signed up for. This clearly means TransUnion knows they're profiting off of consumers by concealing charges and the purpose for those charges related to the free annual credit score consumers are entitled to.

I hope you can investigate this issue. I can not imagine I am the only person who has experienced this, and I'm quite disappointed that a credit reporting agency -- a company that has immense consumer trust -- is operating in a way that takes advantage of that trust.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/2008, I attended XXXX XXXX XXXX XXXX in XXXX MD. Originally the XXXX XXXX took care of the tuition which was {$16000.00}. The school took out loans in my name under the guise of living expenses. I only received one of the many loans that is on my credit report which is in the amount of {$6800.00}. The other loans that are on my credit report are fraudulent because I never received any of that money. The school would make up excuses for why students couldn't get their money, whether they were under 90 %, they missed a couple days, they weren't able to get their money and the teachers and faculty pocketed the money. Now {$26000.00} later, I'm still paying the interest and not seeing any results from payments.
Product: Payday loan, title loan, or personal loan

Loan max will not close account so my credit has been deemed poor i have been unable to even get a XXXX  loan of {$2.00} When i placed the title loan as debtor with Loanmax as creditor i gave the XXXX to the driver after he lured me into the cab of his truck we talked for over an hour he asked me alot of questions about me personally then i gave him the keys and he lied on the report saying it didnt runbut i received a letter stating the XXXX XXXX sold and they applied that amount to my loan tjat that loan was then satisfied. 
I needed a title loan anf tjey denied me because of the error in my customer file XXXX needs closed and discajrged for full settlement of accounting / accounts of the XXXX XXXX XXXX account asap and i need compensated in tender and the tender tp be returned to me and the original securities/bond including interest/dividend payments
Product: Credit reporting or other personal consumer reports

Theres some unauthorized hard inquiries on my credit report that I dont recognize.The credit bureau violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Product: Money transfer, virtual currency, or money service

My cash app account was closed with an account balance of {$1400.00} for an unstated terms of service violation. Due to this, I am unable to withdraw my money to my bank account from the app. I have emailed support and was told to simply cash out my account, which I am unable to do because my account is closed. Now whenever I email I am simply met with a canned response telling me my account is closed and that I need to cash out, but the cash out fails every time. In my opinion, this is robbery because theyre preventing me from accessing my own money
Product: Credit reporting or other personal consumer reports

Equifax has not reported correct credit card usage since XXXX. 

Can we get these companies that are required to update monthly do there job. 

This is showing that my XXXX XXXX credit card utilization is very high XXXX XXXX Thank you in advance for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached out to this company several of times in regards to inaccurate information being reported to my credit report. XXXX XXXX XXXX XXXX are reporting an item that I am not familiar with. I 've filed several disputes about this matter and explained to them that I have no idea about this item and that it is n't mine, they only update the information on my credit report and it is hurting my score. I am in the home buying process and I ca n't move forward with this item falsely reporting. I 've asked them send something in writing to prove that this debt is mine and they 've failed to do so. I am at the point now of speaking with my attorney about filing a lawsuit for reporting inaccurate information and not providing proof. I want this item removed and updated within the next 30 days otherwise I will pursue legally against them.
Product: Debt collection

I am writing to express my frustration and demand immediate action regarding a collection account from Credit Collection Services for {$430.00}, which appears on my credit report. I do not owe this debt, and this account should not be reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to provide proof that they have the legal right to collect a debt. Credit Collection Services has failed to demonstrate that they own or have the legal authority to collect on this debt. Without this proof, they have no right to pursue collection efforts or report this debt to the credit bureaus. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Reporting a debt that I do not owe constitutes a violation of this act. I am requesting the immediate removal of this incorrect account from my credit report. 

I demand a formal investigation into this matter and expect a written response confirming that this account will be deleted. I have file a FTC report XXXX.
Product: Credit reporting or other personal consumer reports

This is my FOLLOW UP complaint that im a victim of identitytheft. Please see attached letters, with the listed items, FTC REPORT and my proof of Identity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX MI XXXX XXXX OH XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} MIDLANDCRE XXXX Balance XXXX : {$540.00} XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reference XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, Equifax and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a history of usaa doing shady practices on my account. I have a scheduled transaction on my account every pay day. Usaa decided to do the transaction a day early when my funds were low and hit me with a {$30.00} fee. This was a scheduled transaction! I feel this isnt right and I hope usaa fixes it, refunds the fee.
Product: Mortgage

Cross Country Mortgage transfer to a third-party servicer, XXXX has report XXXX months late payment, XXXX XXXX, XXXX 2022. After several emails back and forth of providing proof of their reporting error. XX/XX/2022 was corrected. XXXX and XXXX have not been changed even though I provided banking statement proof of payment that were received by XXXX XXXX and not credited to my account. They reported to the credit bureau late payments on the XXXX of the month. I researched the XXXX XXXX  - violation that accounts should be reported with at least a XXXX delay. I have reported this to the XXXX and XXXX but have not heard back from either. I am looking to this agency to help me resolve this matter as I find that they are not following the reporting law and this is affecting me need to use my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appears on Transunion credit report as verified and updated. 

However, this account is reporting inaccurately and Inconsistent under the FCRA. 

Account reports inaccurate balance, original creditor XXXX XXXX XXXX  reports a credit limit of {$450.00} while debt buyer reports a balance or credit limit of {$980.00}. this information is inconsistent, and inaccurate. A violation of FCRA rules section 1681 Account reports inconsistent, misleading and inaccurate name of business address and phone number a violation under section 1681 fcra.

Account does not accurately report last date of payment. A violation of FCRA rules section 1681 Account does not appear on either XXXX  be or XXXX this reporting is inconsistent and the violation of fcra rules section 1681.
Product: Debt collection

I sent a certified letter with return receipt to XXXX XXXX XXXX on XX/XX/year> to request " Validation '' of an alleged of {$3100.00}. XXXX XXXX XXXX has " Failed To Notify '' XXXX, Experian, XXXX and any other consumer reporting agencies about the disputed Collection account found on my consumer profile which has NOT been properly validated. XXXX XXXX XXXX is using an unlawful tactic known as " Parking Debt '' on my consumer profile without delivering required disclosures prior to furnishing data to the consumer reporting agencies. A " CEASE and DESIST '' of communication was requested in the Validation letter. Collection activity and/or communication to third-parties has not ceased by my personal non-public information being shared without proper Validation or consent. XXXX XXXX XXXX has been " Wilfully Non-Compliant '' with sending emails which had unsubscribed from, in violation of my consumer rights under the FDCPA. XXXX XXXX XXXX is damaging my ability to obtain credit, and affecting my mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion to file a dispute on account XXXX via phone on XX/XX/XXXX ; due to my inability to do so through transunion online dispute portal. I have been unable to file a dispute online for a few months now. I told the call representative about the problem and she asked a few security questions and told me i should be able to file online from this point on. However, i have went online today XX/XX/XXXX and still unable to file a dispute.
Product: Debt collection

Credence Resource Mana, is reporting adverse and negative information on my credit report. The debt is not mine.
Product: Credit reporting or other personal consumer reports

To whom it may concern I'm writing to bring to your attention a matter of identity theft has caused me significant distress it has come to my attention that there are inaccuracies in My consumer report resulting from an authorized and fragile use of my identity Upon discovering this I have taken immediate steps to rectify the situation and report identity theft to the relevant authorities I am providing you with the necessary documentation include an identity theft report file with the law enforcement to support the claim of unauthorized you so my personal information The false information on my consumer report has not only called financial implications but also resulting in considerable emotional distress our request in accordance with 15 us code 1681 C2 that you probably blocked the information result from this identity theft from being further reported or used
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX has not responded to none of my letters for all the fraud accounts that on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry was placed on my XXXX Report by American Express on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove. 

Inquiry was placed on my XXXX Report by XXXX XXXX of Delaware on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove.
Product: Credit reporting or other personal consumer reports

The account on my TRANSUNION REPORT ... XXXX XXXX XXXX XXXX XXXXXXXX ( account number ) address XXXX XXXX XXXX, XXXX, De XXXX XXXX THIS ACCOUNT WAS OPEN FRADULENT!! I never owned this account... Transunion has not provided the information about this account to prove anything being accurate ... all the other credit bureau has deleted this fraudulent account!! I sent in my FTC Reports!! The address that first open this fraud account is not my address and is not on my account or credit report!! I demand this item be deleted or I am going to sue Transunion!!