23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account has been reported as opened on XXXX  by this step collector company. This account was not open in XXXX. I have continually asked for verification of this account and how it is being verified with no response on documentation. I have also asked for a purchase agreement were if this closest information is being reported, with no response or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to XXXX  to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.
Product: Money transfer, virtual currency, or money service

We ( I represent a non-profit business XXXX XXXX XXXX, XXXX TN ) attempted to send XXXX USD to XXXX through Western Union-Money in Minutes. On XX/XX/XXXX through XXXX XXXX, the transaction was completed, a tracking number ( XXXX ) was issued. The teller ( XXXX ) called WU to verify that everything was good. 
After 4 failed attempts to receive money, I called WU - 1st agent ( XXXX, emp # XXXX ) ( on Saturday ) said money was being held, would take 24 hrs to respond to us ; 2nd agent ( XXXX, emp # XXXX ) ( on Monday ) said money was being held, would take 48 hrs to respond ; his supervisor ( XXXX ) said would take 72 hours to respond. No case numbers or other evidence of the matter being recognized were given. I asked to be transferred to XXXX XXXX in corporate headquarters. Both XXXX and XXXX said they couldn't and they couldn't transfer me to anyone else at all. I emailed Ms. XXXX seeking help. XX/XX/XXXX, an agent ( XXXX, emp # XXXX ) called and said the money was being refunded - that there were general problems with sending money to XXXX. I asked if there were specific problems with XXXX XXXX personally, and he said no. No one addressed the fact that we have been sending funds to Pastor XXXX monthly through Western Union since XX/XX/XXXX and that {$11000.00} was transferred on XX/XX/XXXX ( Tracking # XXXX ). 

This money is being used to purchase land on which to build a church and ministry buildings. The time delay has put this purchase in jeopardy. Western Union took our money without any attempt - and according to them- without intention of either contacting us or fulfilling what they said they would do.
Product: Credit card

XXXX XXXX XXXX opened up a XXXX XXXXXXXX XXXX XXXX XXXXXXXX account using my information on XX/XX/XXXX. On XX/XX/XXXX XXXX asked me if she could open a second account for herself with my name. XXXX stopped paying on this card once I said yes if she would be responsible for the payments of the said new card unbeknownst to me because this was not a balance transfer.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX I came across these unauthorized inquiries still reporting on my credit report on XX/XX/year>. I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My XX/XX/XXXX, request to have my XXXX of XXXX and XXXX of XXXX income recertifications for the XXXX repayment plan to be disregarded has yet to be addressed by my student loan servicer MOHELA. MOHELAs response to my previous complaint with the Better Business Bureau did not address my concerns. 

I most recently submitted my annual recertification to my former loan servicer, XXXX, on XX/XX/XXXX. My current loan servicer is MOHELA. I recently discovered that I was not required to recertify my income until XXXX months after the payment pause ends, as per https : XXXX. My recertifications will result in me having to make higher payments than what would be required had I not recertified. My payments were {$270.00} when the pandemic began in XXXX of XXXX. I was led to believe that I was required to recertify my income by a letter dated XX/XX/XXXX, from XXXX. 

My XXXX of XXXX recertification resulted in an increase of monthly payments to {$270.00}, as per a XX/XX/XXXX, letter from XXXX. It is my understanding that I was not legally required to recertify my income under the XX/XX/XXXX, XXXX XXXX at the time the XX/XX/XXXX, letter was issued by XXXX. The XX/XX/XXXX, letter states in part that I am required to recertify my income annually regardless of whether I am in a deferment or forbearance notwithstanding the XX/XX/XXXX, CARES Act. 

I also received notifications through the " XXXX '' icon at the relevant times when I was logged into my dashboard on XXXX indicating that I was still required to submit my annual recertification for the XXXX plan. A letter from XXXX dated XX/XX/XXXX, indicates that my monthly payments will now be {$310.00} under the XXXX repayment plan. This letter was generated after I submitted my recertification on XX/XX/XXXX, based on the misleading language used in the XX/XX/XXXX, letter from XXXX and the bell icon notifications on studentaid.gov. 

I would have never recertified my income had I known that I was not required to do so. I have detrimentally relied on the misleading information I was provided. By recertifying my income, I have lost at least six months of payments at the {$270.00} pre-pandemic amount. That clearly calculates to {$42.00} per month, or a total loss of at least {$250.00}. XXXX XXXX informed me that it is unable to assist me inasmuch as it is no longer my loan servicer. Although MOHELA responded to the complaint I filed with the Better Business Bureau, that response ignored my request. Moreover, MOHELA has yet to respond to the XX/XX/XXXX, complaint I filed with XXXX XXXX XXXX concerning this issue. It should also be noted that I have previously sent MOHELA several emails concerning this issue. I have also reached out to MOHELA via social media to no avail.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and I noticed that I have XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX XXXX & XX/XX/XXXXXXXX XXXX  ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Product: Mortgage

I send in a response on XX/XX/2017 with no REPLY XXXX XXXX XXXX / SHELPOINT-
Product: Checking or savings account

My account was allowed to be drafter when funds was unavailable. This has caused so many issues in my personal life
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

Victim of identity theft, XXXX XXXX XXXX all credit inquiries and XXXX  XXXX during XXXX XXXX XXXX to be Deleted From Credit Report Immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, XXXX  ; XXXX located in XXXX, XXXX  and TRANSUNION located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, XXXX AND TRANSUNION has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : CAINE & WEINER Account # : XXXX This account is listed as a collection/charged off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. 
Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Equifax violates Consumer Reporting Agency Obligations under Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 et seq. ( 1970 ) including Failing to maintain accurate and complete information.

Failing to investigate disputes and correct errors.

Equifax sells and reports inaccurate information including my first and last names. Equifax does not fully disclose the source of incorrect information on my file.

Equifax refuses to correct this information based on copies of my passport, driver license and social security card I provided.

These violations may result in legal consequences, including : Civil penalties and fines Statutory damages Punitive damages Court costs and attorneys fees Injunctions to correct violations Potential criminal charges
Product: Debt collection

I am filing this complaint against Midland Credit Management because they are reporting a collection account on my credit report that I do not recognize. I have no recollection of ever doing business with this company. They are reporting the debt as OPEN with a past due amount of {$1500.00}. This information is erroneous and is interfering with my ability to purchase a home for my family. I request that this inaccurate account be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC Affidavit along with a police report to XXXX showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted with letter but still showing in other folder of my equifax.com account under Other Closed Accounts. So its still on the bureau profile and not completely deleted even though this attached deleted letter says it has been deleted.

it also showed up on other three bureau reports. But XXXX and XXXX have completely deleted with harassment and pain.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX and XXXX. XXXX removed it per my request and demand, however XXXX  won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, Capital One and then again by the collection agency, XXXX XXXX. XXXX XXXX fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

A copy of my photo ID has been attached.

I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX to let them know that they were sharing my nonpublic personal information with an unaffiliated 3rd party without my written consent. I asked them to stop, but I am still receiving notifications that they continue to report these adverse claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Credit card or prepaid card

XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ USAA has an option on their application to pay your credit statement directly through the app. As I approached my limit, I decided to pay it, as I normally do. Only this time, the following morning, I was informed that the payment didn't go through. So naturally, I sent it through again. After checking the linked account I am paying the bill with, all of the charges displayed that they had been taken out. However, now I am out over 900 $ ( also included is an overdraft charge on the linked account used to pay the credit bill of XXXX $ ) Now USAA has over 900 $ of mine, hasn't returned my credit limit or my funds that they have TAKEN and has been cleared by my bank. I have no available credit, they will be charging me interest on the remaining balance and no access to funds because they overdrew my checking account at my other bank. Meanwhile, they said they have to hold MY money for 10 days. Whatever the reason, their system triggered this. They have stated there is nothing they can do, which I know is false. The credit limit I have is XXXX . And I have no explanation as to why this is even remotely acceptable. This is theft from a major corporation and there has been no attempt at resolving this. Seeking legal representation to make sure this doesn't happen again to anyone else and seeking all compensatory charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove all negative items off my credit report
Product: Checking or savings account

Charged me {$2100.00} in over draft fees. Would only refund {$300.00}.
Product: Debt collection

I need a ''WRITTEN PAYMENT ARRAGENMENT AGREEMENT '' I will not conform to a verbal agreement. 

This is my second time submitting this complaint and requesting these docs and company still does not provide what I am asking for. 

Company promised a payment card and still have not received anything. 
Company have only sent ONE payment reminder on XXXX XXXXh. It is NOW XXXX XXXX  and I have not received a payment reminder for XXXX  payment.

Staff is very unprofessional and unqualified to work in customer service and deescalate a call. XXXX XXXX got into a back and forth battle with me and we were literally screaming at each other on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account with XXXX and it is incorrect. Ive spoken with XXXX directly and they told me to contact TRANSUNION. I have been in contact with transunion several times and still this error remains an issue on my report. It is difficult for me due to this error.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX - XXXX was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports