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

Dear CFPB, I am submitting this complaint regarding wrongful and fraudulent information on my credit report. Despite my efforts to dispute these inaccuracies with the credit bureaus and the financial institutions involved, the fraudulent accounts and incorrect information remain. 

I did not authorize these accounts, and their presence on my report is negatively impacting my credit standing. I have already reported this issue, yet no action has been taken to remove these accounts. I request immediate intervention to have these fraudulent entries deleted and to prevent further damage to my credit. 

Please assist in resolving this matter as soon as possible. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX  starting XX/XX/XXXX, they've taken {$20000.00}. I googled credit help, and their site seemed to good to be true. After doing a phone consult they said they'd save me money. They told me to stop paying my credit cards and that they'd take care of everything. So with all my debt, and the banks not working with me in financial hardship, even though i've paid on time for almost 10 years. I trusted XXXX XXXX being a company, and stopped making my payments. I never saw the actual " settlement agreements '' until XX/XX/XXXX when I couldnt figure out where my money went. Bank of america filed me in court ( XXXX ) and XXXX  XXXX, I submitted those to XXXX XXXX, asking what do i do after recieving a summons, they said i didnt need to respond if i didnt want to. I did the first reponse, and trusted them there after. XXXX XXXX paid bank of america and their settlements XXXX $ and none of that was applied when collected was put against me. I trusted them to help me, and on top already losing more money with them, i have court charges on me that they are not helping me with nor tried to help me with. the Court charges are XXXX $ and XXXX , they said if i stop making payments to them i'll lose more settlements. in which i recieved 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2020 FOR MY WELLS FARGO MORTGAGE ACCOUNT. I'VE BEEN OVERWHELMED WITH MY PERSONAL LIFE WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND MY FIRST LATE PAYMENT, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Student loan

I recently discovered that AidVantage, an official servicer of Federal Student Loans, was reporting my loans, to XXXX at least, as CURRENTLY DELINQUENT. XXXX is another one, but I've sent a complaint about them. 

The loans in question came from the Fresh Start Initiative. It was not their loans. The Dept of Education pulled the loans out of default and reported them current and is no longer reporting the loans to credit agencies. They were sent to a non-default loan servicer, in this case AidVantage. They have taken it upon themselves to report the previous defaulted history, and are making a very serious mistake by also reporting them as CURRENTLY DELINQUENT. A mistake that should have been fixed already. They can not possibly be currently delinquent. 

I am a XXXX XXXX so this delinquency is not possible. I checked with my school regarding my enrollment certificate and it is correct. I contacted AidVantage about this and the response I received is very confusing. 

They are claiming that the loans were one time in default and that the deragotary mark would remain on my credit report for 7 years. 

One, I did not even claim that was the problem I had. Of course, they were at one time in default, thus the Fresh Start Initiative. My problem is that they are reporting the loans as CURRENTLY DELINQUENT. The last report they made to the credit agencies was that it was 120 days late back in 2019 and have not made any reports since. They also claim that the dept of Education has directed them to not make reports to the crediting agencies. 

The whole point of the Fresh Start initiative was to give consumers a new start. 

It makes no sense that the current payment status of my loans would say 120 days late. Especially since I have a deferment. It makes no sense that I should have to go through writing a letter, dispute it, etc. when it has already resulted in me being denied a private student loan. They erred when they reported the previous information about these loans and never updated them to reflect it's correct current status. 

This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning systems is reporting a fraudulent bank account that looks like the bank is trying to update my information to, and it says Account type is unknown but that it has a combined loss and fee of XXXX Which again is fraudulent, I never opened this account nor do I have an email address they have listed. 

Early Warning again providing fraudulent information since I am a victim of identity theft and they refuse to block the fraudulent account # XXXX which says Contribution reason - Account Abuse. I have never opened this account, there are no XXXX  locations near me the email address they have listed for this account is also fraudulent. It is illegal to put my address on a fraudulent account when I never received anything from this instituion. This account is fraudulent, and as a result of identity theft. This account should be blocked from my file. 

Again Contribution Reference # is XXXX Early warning refuses to do anything about it and continue to report fraud.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened XXXX XXXX and Experian don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

Resubmitting complaint XXXX as they didnt answer the question which is the issue. Please review complaint case XXXX. 
Advised was affected by COVID 19 for being late and didnt receive letters stated till my call and explained and didnt want account to get credit reported and was advised if I pay in full will not be reported and would be removed. I paid as promised from last call. Credit report is reporting XX/XX/XXXXbalance but has not been removed/deleted as advised?
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communication regarding the correction of a late open account. This marks the 2nd formal attempt to address this matter.

As discussed previously, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$8300.00}.
Product: Vehicle loan or lease

I, XXXX XXXX XXXX XXXX On XX/XX/XXXX purchased a XXXX XXXX XXXX from XXXX XXXX XXXX which was financed through UNITED AUTO CREDIT. After all, contracts had been signed as well as a cash deposit of {$2800.00} USD I was given keys for the vehicle and instruction on getting the vehicle insured. I was also told that UNITED AUTO CREDIT will be giving me a welcome call which I would verify all information on file set a payment plan and that would finalize the contracts. All of these events occurred and i made an attempt to make my first scheduled payment. I was denied access to the online payments option, so I contacted UNITED AUTO CREDIT customer service. I was then told I had an account but no longer have an account and to contact to dealer. So, after having concerns about the situation, I contacted the dealer in person. I had many questions regarding why I haven't received my plates and tags as well as the situations of my account being inactive with UNITED AUTO CREDIT. I was told my tag was delayed " no specific reason '' and was asked to sign a new contract since it was problems with the old XXXX. Red flags immediately appeared as the dealer took the previous contract and copy and paste it to a new contract without UNITED AUTO CREDIT. I then left and proceeded to seek legal advice clearly being a victim of auto fraud. After waiting for some time for some form of legal action on behalf of XXXX XXXX XXXX  I never heard from them again since XX/XX/XXXX. On XX/XX/XXXX A unidentified person came to my residence and told me he was with a XXXX collection company which later other unidentified people arrived with unmarked cars and a tow truck " with no logo nor company name '' and attempted to repossess the vehicle with no prior notice nor documents showing I had a new contract " In-House '' contract with XXXX XXXX XXXX  nor provided me with documents that proves I deliberately avoided making payments. The unidentified person had a hand full of falsified documents and tried to coerce me into submitting the vehicle. I am now hiring an attorney to assist with this situation which has become very hostile and law enforcement have no grounds to intervene for concerns of a civil issue. Since this is actually " XXXX '' as well as trespassing on private property and harassment I decided to make this compliant. Thank you for your time and I'll be looking forward to hearing back from you soon sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because an identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Could someone with knowledge of Case # XXXX please update me on the status of this case. Called XXXX with this case number and your representative told me there is no case with this number and he can only check cases in his department. HOW DO I GET A UPDATE ON THIS CASE OR DID WELLS FARGO CLOSE THE CASE FOR AN APPARENT REASON. Also want to know why the XXXX that was sent to my address in error and than sent to my sisters address in error. Wells Fargo is telling me that my address was the address that the person who's name is on the XXXX gave them.  This person never gave Wells Fargo my address to send the XXXX to. If Wells Fargo would  research  this issue Wells Fargo could provide me with an explanation as to why this error occurred instead of blaming it on the person who's name is on the XXXX..  Also please inform me how long my checking accounts with Wells Fargo have been opened and the status of these accounts such as over drafts or any other problems.  I also want Wells Fargo to  be aware I have recently closed a CD at Wells Fargo due to the fact you failed to research this problem and treat your customers with respect. AGAIN THE PERSON WHO'S NAME IS ON THE XXXX DID NOT GIVE WELLS FARGO MY ADDRESS AND HE  HAD NO REASON TO SEND THE XXXX TO MY ADDRESS.  One recent example from one you your representative when I called on a case was " IF YOU DO NOT FAX WELLS FARGO THE INFORMATION I WILL CLOSE THE CASE. YOU ARE THE ONE DEMANDING THE INFORMATION.  Nice way to treat a customer of of over 40 years.  Thanks for you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX rec 'd an email regarding Chase credit card application. I was already victim to XXXX this week. I notified Credit Bureau immediately and filed report and Chase. Apparently someone applied online for Southwest Credit Card in my name and it wasn't me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

XXXX is our mortgage company. We realized that a 2nd hazard insurance was added to our policy without our authorization and we had been over charged {$200.00} for the last 2 months to apply to this 2nd insurance. After several calls the company finally removed the 2nd insurance but they are still overcharging us on our monthly payment and will not reimburse us for the overcharge the last two months. I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX, and had correspondence by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have told the company that this is looking fraudulent on their end and that I would contact federal regulators but they did not respond with action on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.
Product: Credit reporting or other personal consumer reports

The credit bureaus are reporting the wrong payment history and closing date for my XXXX Account. The account was supposed to be deleted from my credit report with no negative information. They have failed to show me proof of account or if I have ever agreed to this account, balances and closing date.
Product: Credit reporting or other personal consumer reports

This company has reported false information for months. I tried to dispute the actions with Experian a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to Experian and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or Experian to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to the EXPERIAN. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 
I have included my FTC report with the number XXXX as proof of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and Transunion Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX : {$26000.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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

This is my 3rd attempts to inform you that my current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these all immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.
Product: Checking or savings account

I have a PNC checking account that I rarely use. On XX/XX/2023, I reported my PNC ATM card stolen to PNC over the phone. PNC 's representative asked me if I wanted a replacement card sent, and I said I did. PNC did not disclose on the call that it would debit my checking account {$7.00} for a " Card Replacement Fee. '' I discovered this today, when, by happenstance, I saw my checking account balance while looking for information about an unrelated loan I have with PNC. 

Had PNC disclosed this {$7.00} charge to me, I would not have agreed to receive a replacement card, as I rarely use my PNC checking account. 

Additionally, PNC 's unauthorized {$7.00} debit dropped my account balance from the required {$1000.00} minimum to {$990.00}, meaning PNC probably will charge me a fee for that, too. I transferred money into the account immediately to cover the shortage, but I shouldn't have to do that in this situation, and it may not arrive in time ( in my experience, PNC will usually find a way to assess any fee it can ).

I would like the CFPB to cause PNC to return the {$7.00} it improperly took from me, and not charge me any " insufficient balance '' or similar fee.

Thank you.