23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have student load debt from XXXX. The original lender was XXXX XXXX, then XXXX. Within the last 4 months it was transferred to XXXX, XXXX, and then XXXX XXXX etc. I have not received any update on transfer. On XXXX, Performant called my XXXX year old grandmother re my student debt. My grandmother is not a co-signer nor contact from the original debt. She is also XXXX. When she answered the phone, Performant told her that I had a debt and if I was not available could they speak to XXXX XXXX ( my mother ). My mother is not a co-signer on the debt. As my grandmother tried to figured out, the helper came into the room. She saw my grandmother in distress and took the phone. At that time, Performant also told her that I had a debt. At that time, the helper asked for contact info and Perfomant refused. She called my mother who in turn called me. I went online and called the general number to resolve the issue. It was frustrating because I could not get any information no the nature of the debt all though Performant told my grandmother and her helper. I've tried to get documents in the mail and Performant refused. It is very confusing to keep track of student loans when it transfers to several different lenders within months with no written communication. Additionally, now, my grandmother is concerned about my debt and she is in frail health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently tried to remove incorrect information from my credit report, by disputing with Equifax, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report. 

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXX XXXX XXXX  - {$990.00} XXXXXXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. 

Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. 

Please confirm the deletion of the impacted information from my credit report within the required XXXX period, and provide me with a written confirmation that the necessary actions have been taken. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Checking or savings account

Wells Fargo unfairly closed my new checking account after opening it. Due to XXXX XXXX falsely accusing me of harassing her when she was the one harassing me. I have never been able to put this to rest because I did nothing wrong. I was being set up by XXXX XXXX and the rest of her friends at the bank. When I couldn't log into my account. I didn't see XXXX XXXX at the bank the entire week at the XXXX XXXX branch. Until the last day of getting my new account set up. The banker I was with new I wasn't harassing her. But XXXX XXXX falsely called 911 but the police didn't do anything to me. The police looked confused as to what's going on here. 

But she lied to XXXX XXXX and he sent me a hostile nasty letter about my bank account being closed. He didn't investigate fully or look at the security footage. 

I didn't have know that XXXX XXXX was in the bank that day. It was all a dirty thing to do to me and they should be in trouble anyone who was invoked with XXXX XXXX. 

I can't have a checking account car loan any rule of loan. XXXX XXXX threaten with the police if I come inside any Wells Fargo bank. This has me enraged and furious I didn't do anything wrong. 

If the female banker lied saying I harassed XXXX XXXX then she needs to be fired to. I was taking care of my own banking business. But Wells Fargo refuses to hear my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN RECEIVED DOCUMENTS STATING THAT THEY DID NOT DO THEIR DUE DILIGENCE AND ALLOWED FOR THIS COLLECTION TO LINGER ON MY REPORT. I ENDED UP GETTING IT DELETED AND EXPERIAN UPDATED AND DELETED IT I WANT TO GET COMPENSATED BECAUSE MY CONSUMER RIGHTS WAS VIOLATED UNDER THE FCRA. I AM ENCLOSING THE INFORMATION THAT I UPLOADED BEFORE THAT NOTHING WAS DONE THEY CLAIM THAT THEY DONT SEE IT ON FILE BECAUSE IT WAS DELETED. DELETION IS ADMISSION. EXPERIAN DIDNT DO THEIR INITIAL INVESTIGATIONS. I GOT IN TOUCH WITH THE XXXX OFFICE OF CONSUMER FRAUDS AND PROTECTION. I WILL GO FURTHER IF I HAVE TO. ACCORDING TO 15 UCS 1681N. I AM ENTITLE TO COMPENSATE. I HAVE PAPER TRAIL IF THEY WANT TO TAKE THIS THING FURTHER I HAVE TIME AND PATIENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX  credit card thru XXXX XXXX XXXX XXXX which I was approved for. I was told by XXXX they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. TransUnion credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between XXXX & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX  sent me an email asking me if this new account was mine, but my TransUnion account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created Case Number : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with TransUnion, but you can't file a dispute about something that's not on your report with TransUnion. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had one supervisor named XXXX XXXX tell me to file a dispute with TransUnion and get the information from XXXX XXXX XXXX XXXX to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the TransUnion Contact Center Service Team was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. XXXX sent me an alert to see what changed in my report the same day thru their XXXX : XXXX XXXX XXXX. TransUnion sent me a survey XX/XX/XXXX. I emailed TransUnion the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call TransUnion in XXXX, PA, been transferred there from their overseas call center. Still nothing. XXXX has assured me the information has been provided to TransUnion. TransUnion has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.
Product: Debt collection

I have been attempting to contact XXXX. in order to begin a process of rehabilitating my student loans. This is the end of the third week I have attempted to contact them. Each time I call I am referred to the Administrative Wage Garnishment department where a recording asks me to leave a voicemail with my information. I have left several voicemails and continue to call with no reply. They are ignoring my requests because my wages are already being garnished.
Product: Debt collection

Checked my credit on XX/XX/2016. I have never received a notice from XXXX kendwood services. XXXX has stated that I owed {$670.00} to them. They have sold this debt to a a collection agency called Midwest Recovery System and reported it to the credit bureau. I have never received no confirmation of owning this debt.
Product: Checking or savings account

As XXXX taxpayers, my husband and I are entitled to know what contracts XXXX XXXX has with the State of New York as these contracts should be of public record. List all former and present contracts held from 2005. Thank you.
Product: Checking or savings account

Capital One is having issues with a third party vendor and HAS NOT disbursed my hard earned paycheck from work. This is absolutely unacceptable that a bank as big as CP is not held to standard. I have bills to pay that I will now I currently late fees for because of their failure to protect consumer funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries and Accounts have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 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 hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went and applied for a car loan and was told my report would only be ran once, but there are over 10 hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.
Product: Credit reporting or other personal consumer reports

Iam filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. I Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

Ive tried to resolve the late payment issue with fed loan servicing but their refusing to assist me. I suffered a terminal illness back in XXXX which I was unable to make my monthly payment. Again in XXXX I was hospitalized with XXXX  XXXX which caused me to miss XXXX months of work. The student loans were paid off and consolidated with another company. Fed loan servicing is refusing to remove the late payments. Please assist
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated 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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are 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 account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}
Product: Mortgage

Recent refinance with existing bank Wells Fargo using the online website offer. Current rate 5.5 / approved for 3.5 rate. Filled out all documents told will get info in mail. Two weeks, nothing. I call my customer service rep, my application was cancelled due to lack of information. All required documents were provided, however a tax doc did not scan properly, I never got a call or email about this or I would have immediately resent necessary docs. Now process has to start all over again with new customer service rep # XXXX - I resend all, speak with her about the rate 3.5 that was locked in until XX/XX/XXXX. Packet arrives few weeks later, rate listed on paper work is 3.75- I immediately call leave voice mail. No return call 3 days later leave another message, no return call - email situation. Finally get name of manager, leave voice mail, he also never calls me back. Now weeks have passed and the offer originally quoted & agreed of 3.5 has lapsed. 
Get name of XXXX manager and he agrees I should have gotten 3.5, he will contact underwriters to get paperwork out to me. Paperwork arrived same 3.75 rate. 
Now at this time we are into another month. Told best rate now is 3.6 - I verbally agree to 3.6 - paper work arrives XXXX/XXXX/16 same rate of 3.75. This process took so long that my rental property I am trying to sell in short sale, has started foreclosure proceedings. This is now on my credit report & getting another lender is almost impossible. The process from the start was bait and switch. The original quote of 3.5 should have been honored but was NOT & to my knowledge never was going to be honored, this was the hook, then the 2.5 % increase on final paperwork was the end CON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Vehicle loan or lease

On XX/XX/XXXX I Went to a car dealership called off- lease only. I was told by the finance department that I was approved for my car loan through Alley financial, when I saw the interest rate at 11.5 % I told the finance guy name XXXX that the interest rate was too high, his words to me were dont worry Alley bank works with me on a lot of deals and he stated dont worry they do anything for me. I was worried about the interest rate, he told me dont worry about you can refinance in 6 months for a lower rate. He also stated the he had a person at Alley bank that would finance any deal for him, the off lease only and alley were inflating interest rates and the dealership was inflating the car prices to double the value of the car. Im a XXXX XXXX elderly women on a fixed income and on XXXX benefits. I have a XXXX XXXX XXXX XXXX that Alley bank is charging me {$49000.00} between interest rates at 11 % and the car is worth {$23000.00} almost double the price, this is called inflated pricing on used cars. This is the second complaint I am submitting, Alley bank will not do anything about it. I need your company consumer finance company to fight for me as I am the consumer who is filing the complaint. Im requesting this company to fight for my consumer rights with Alley Financial and find me a resolution to this civil illegal practice that Alley financial is doing to there elderly and minorities. They are no fair
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, AD ASTRA RECOVERY SERVICES INC, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.
Product: Credit reporting or other personal consumer reports

I sent a letter directly to Experian on more than one occasion. 

They've decided not to uphold the law and have become neglegiant with my consumer report accuracy. 

No investigation was conducted, Instead they sent an email denying the fact that I personally sent the letter to them. 

A photo of their reply is attached.
Product: Credit reporting or other personal consumer reports

I sent in letters and never got a reply, I been trying to get a bank account and been getting denied I need this off my consumer credit profile it was filed XX/XX/scrub>/24 for XXXX with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent credit scores from TransUnion and XXXX revealed a 50 point difference. My TransUnion score is XXXX and my XXXX  score is XXXX. Theres no logical reason for this drastic disparity. I called TransUnion and received a scripted explanation. Both agencies have records of my joint credit accounts with an ex-spouse and my individual accounts. Not one of my individual accounts has ever been paid late, usually early and usually in full month to month. I can understand a difference of a few points, however not 50! I have been diligent over more than 12 years to remedy my personal accounts in spite of payment disparities caused by my ex-spouse on two joint accounts. I recently closed a XXXX credit account which I always paid on time. Is the score from TransUnion my reward for my financial diligence and care?