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

Wells Fargo stated that they never bought this account from XXXX and it does not show up on my online account with Wells Fargo, however, it shows as a charge off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NM XXXX XXXX  should not be on my credit report at all. I have never once been tried for XXXX XXXX paid any money to a XXXX XXXX  division. This account was inaccurately opened and needs to be removed. I have paperwork that this was an error and needs to be corrected on my account.
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 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 any 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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

For the last 15 months, I have been making payments on my consolidated student loans through Granite State Management. Due to other financial responsibilities, I have had decreased the amount I have been paying ( mine are currently deferred because I am enrolled XXXX XXXX at XXXX XXXX University for XXXX XXXX ). At the start of these 15 months, my payments were exactly what was needed to keep up with interest ( {$170.00} / month ). I have been using the " pay by group '' option to make the interest payments per group. However, GSMR has NOT been applying the correct amounts to the correct loans, despite the " pay by group '' option they allow on their payment website. Some months a loan group will have {$0.00} accrued interest while another will have {$210.00}, despite my paying the full interest amount on the latter the previous month and none on the first! I have called them twice about this, and they simply say to " wait 30-60 for proper processing. '' They have never once processed it per group as I have stipulated, the result of which is that it is impossible for me to keep up with the interest on specific loans at my current payment rate, while other loans get principle payments that I have NOT stipulated! This is beyond irritating and frustrating - it is costing me money! This is NOT acceptable.
Product: Student loan

On XXXX I schedule two payments one for XXXX XX/XX/XXXX and a second payment for XXXXXX/XX/XXXX Those payments were then cancelled by the system. I log in to Aidvantage on XXXX and showing a delinquency for not providing payment. I am now scheduling payment on XXXX for XXXXXX/XX/XXXXand its considered late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I was Hospitalized, I purchased some jewelry Kay Jewelers/Genesis. The attendant explain that they have a out of work policy for a extra $ 35 monthly if you are unable to work. I purchased it. I Then by doctors order, I had to go in the hospital for my XXXX XXXX XXXX XXXX XXXX. Then affection set in, and had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then contacted the company, and they told me they do not handle that. They said a company called XXXX handles claims for them. After getting my doctor that was having me to stay in the hospital at Washington XXXX XXXX to fill out the paper work they sent me for a couple of months, now say they would no longer handle the claims anymore. I had to contact the new company named XXXX XXXX, out of Florida. During all the digging to get in touch with the new claim people, I was never informed from Kay Jeweler about dealing with third party company 's. Giving me that information when I made my purchase, or helped a paying customer with the transformation of companies, maybe the would have got the payment from the companies on the payment date. The put late payments on my credit report with all three credit companies. I'm trying to get in a ready set up, XXXX house, and the lender says this has to come off to move forward. I'm asking XXXX to please have this removed, because this is Deception the did to me.I contact them and ask for the origanal copy for what I purchased, and they sent me something saying they only pay up to {$5000.00}, and I was over, and they will not be paying anymore. If I was told all this at the beginning, maybe I would have not signed up. If no action is taken into removing this from my report, Being XXXX, I'm offered many different lawyers. I'm not going away..
Product: Credit reporting

I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past XXXX years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to equifax but Equifax has failedto look at the document and make correction to my credit file. Since it is over XXXX years and there is no valid contract and equifax not follwing the law. I want this account be removed from mycredit file. Old and we have no cotract that I signed
Product: Credit reporting or other personal consumer reports

XXXX TransUnion XXXX are all reporting a collection, originating from XXXX I guess, on my credit file. 
I filed an FTC XXXX XXXX, report number XXXX, & sent it in, along with this cover letter, * XXXX XXXX XXXX XXXX*, stating that it was XXXX XXXX & to please delete it from my credit report along with copies of my passport and my social security card on the XXXX of XXXX 2024 & mailed it to all XXXX bureaus, XXXX XXXX TransUnion XXXX TransUnion it came back verified I called again & spoke to XXXX and then XXXX & received a Case Number XXXX asked to speak to a supervisor that I wanted to escalate the matter, I was told I would receive a call back in XXXX days, I never did. 
XXXX XXXX XXXX are still in process? or? Im not sure but I havent heard anything yet I want this derogatory information removed from my report as it hurts my chances of obtaining credit, housing and employment
Product: Credit reporting or other personal consumer reports

I disputed all accounts with student loan servicer Nelnet. All of these loans were paid in XX/XX/XXXX and are now being serviced by XXXX. The accounts were closed/removed from my report and then added back. I disputed all Nelnet accounts on XX/XX/XXXX and again on XX/XX/XXXX. I called Nelnet and was told that they could not send a letter but I could print a mortgage statement off line. Then was told maybe a supervisor has access to send the info but no letter was ever sent. I have checked for weeks and the online account will not allow me to open any documents. I have also complained about that issue. I saved the mortgage statement screen as a PDF and uploaded it to experian. It shows I have no loan balances with Nelnet. Both servicers Nelnet XXXX XXXX are now on my report with the exact same accounts and loan amounts making my debt to income much higher than it should be as well as causing my score to decrease which has caused a negative reflection on me when trying to make certain types of purchases. This is causing me stress, anxiety, wasted time and money when clearly Nelnet has no proof of current existing loans. The updates dont go past XX/XX/XXXX as they no longer service my loans and have been paid in full. XXXX will not remove even with proof and numerous calls and disputes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on XXXX  and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX XXXX account number : XXXX & XXXX XXXX account number : XXXX 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 furnish accounts without my written instructions.

15 U.S.C 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: Debt collection

On XX/XX/2021, I received a phone call from Halsted Fin. Svc. at XXXX. 
I have gotten frequent calls from them throughout the day for the last 3-4 weeks or more and when I answer the call, no one responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted formal letters enclosing copies of my SSN card, current state driver 's license both of which contained my correct personal information, including my legal name and correct residential address. These letters were sent from XXXX through XX/XX/2020. 

This information was submitted to Experian, XXXX, and XXXX on numerous occasions, IN WRITING, providing all related documentation to prove my legal name, address, and correct SSN. 

To date, these credit-reporting agencies have REFUSED to remove all erroneous information. THEY ARE REPORTING ADDRESSES OF CITIES AND STATES I HAVE NEVER RESIDED IN AND HAVE NEVER VISITED. THEY ARE REPORTING SOCIAL SECURITY NUMBERS THAT ARE NOT MINE. THEY ARE REPORTING NAMES THAT I HAVE NEVER USED. NONE OF THESE NAMES ARE MY LEGAL NAME AND DO NOT APPEAR ON MY SSN CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the nationally mandated shelter at home policy that then continued in my State of IL I was reported late by my credit card companies. I tried to be proactive and ask for help early on in 2020. However, these companies did not have assistance programs in place yet so they reported me late over and over month after month during the start of the pandemic. I have tried to dispute prior to now based on the HEROES ACT, my perfect pay history before the pandemic and my current pay history status, my proof of having the Coronavirus and proof that my state of IL is still under a state of Emergency per our Governor XXXX  who has made his own calls. 
I should not be penalized because the companies did not have programs in place yet, the pandemic shutting the world down, caring for family who were affected by Coronavirus, caring for myself when I contracted XXXX  and being in the Hospitality and Entertainment industries which were some of the hardest hit. It was no ones fault why should anyone be punished?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$1000.00} from my business checking account using PayPal to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX NC. The amount was to pay for a full-day rental at the studio to create a video for a client that had hired XXXX XXXX XXXX XXXX 

Moments after I sent the money I was informed that XXXX XXXX was either locked out of his PayPal account or simply did not have access to it. I am unclear exactly what he had meant by this. So, I decided to open a case on this transaction. I asked XXXX to create a document proving that he was refunding me so I can submit this to PayPal to help my case. I submitted the document to PayPal, yet they denied my case. 

I talked to XXXX XXXX about this, and I checked my PayPal account later to see that he had initiated a refund of {$1000.00} to me. 

I contacted PayPal support to see when I would receive the PayPal refund. I asked their assistant bot two times and both time they gave me a different answer. The first time on XX/XX/XXXX, they said I would receive it in 5-7 business days from the day of the refund which was XX/XX/XXXX. 

On XX/XX/XXXX I messaged the support bot again and they said I would receive it on or before XX/XX/XXXX due to the XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX I check my PayPal to see that the refund has now been canceled. I don't know if XXXX XXXX canceled it or if PayPal did. I got on the phone with XXXX and told him what occurred and he told me he " never received the money and that it was probably in limbo somewhere ''. 

Today on XX/XX/XXXX I also tried to open another case for the original transaction and was unable to do so. 

XXXX XXXX said he is going to contact PayPal XX/XX/XXXX and try to get a resolution and my money back. XXXX and I will be meeting XX/XX/XXXX in person to try and come up with a resolution. 

Because of this situation I lost an opportunity that I would have made {$3000.00} from and I now have to refund a client {$1000.00} that I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints with FTC and bureaus and talked to company directly to inform them that it looks like a fraud was used to obtain the accounts under my name ...
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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 seven years.

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

Commenity Bank allowed someone to open several accounts in my name and it has a negative impact on my credit. I did not open an XXXX, XXXX or a XXXX account and they send me a copy of purchases and payments that doesn't prove anything anyone can open an account as someone else that doesn't prove anything at all. I want hard proof that I open an account. I want a copy of my identification other than that commenity bank should have done their job and asked id questions before opening an account
Product: Credit card or prepaid card

I lost my job, have never been late on a payment since XXXX, so I am not familiar with credit card practices. However, this year, I was in between jobs, and was told that when you fall behind for 2 months in payments, then it reviewed to determine whether they should close the card ( which affects credit score --  dramatically ). On XX/XX/XXXX Bank of America, the credit lender, called my parents left a voicemail saying to call as I was behind again and there were additional options to help me or assist. On XX/XX/XXXX, I was notified via email from Bank of America that the credit account was closed. No notice, no time to actually discuss with them. 

When I fell behind a few months ago, BOA sent e-mails about the credit card servicing, this time not one.  The only one was to notify me they did something to dramatically affect my credit without any notice. They changed their pattern of practice from the first time to this time within just a few months. Now without any opportunity to save my credit they closed the card without notifying me once they were making that determination or even evaluating it, but they could call and leave messages that your account is behind and we have options to help, which apparently isn't even true.
Product: Debt collection

I had applied on indeed for a remote job.On XXXX I had gotten hired by a company called XXXX XXXX XXXX a data entry clerk.After receiving the job offer letter, filling out XXXX form and all other documents for the hiring process.I was told by the so called manageXXXX XXXX XXXX XXXX they would be sending me a check to buy the equipment for the job.Which would be a computer, a phone, headset, printer, fax machine as well as other stuff .He told me to deposit the check as soon as I could so I could be ready for the training that would start in a few days. So the company had mailed the check to my apartment and that same day I went to the bank cashed the check and went to a bitcoin atm because he stated that was the only way the company they bought the equipment from Would get paid. And hemention that these were all XXXX  products and the equipment would have my name and company logo on it, so that thats why it was a lot of money.Later on that day I received a call from XXXX saying he forgot to order a few more things so he canceled the order and was going to send another check. And had me do the same process.deposit the check at my back and then withdraw the money and deposit it into the same bitcoin atm. Minutes later after depositing that money I received a call from Golden 1 Saying the checks were fraudulent. They froze my account until I pay all that money took the money I had in both my savings and checkings account as well as a check I had just received in the time frame. And they want to pay all that money back which is a total of XXXX. I made a police report spoke to XXXX XXXX XXXX and case # is XXXX but nothing has been done he said theres no way to get that money and unfortunately theres a lot of people who do scams.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called and cancelled my Citibank XXXX XXXX XXXX card which renews each XX/XX/XXXX. The representative said she would cancel the card immediately and asked if I would be interested in a similar no-annual-fee card. I agree to this proposal and the annual fee card was cancelled. A few days later I noticed that even though the card with the annual fee had been cancelled, there was now a fee of {$99.00} charged to the no fee card ( XXXX XXXX XXXX card ) I called to dispute this on XX/XX/XXXX and was told that Citibank would credit the {$99.00} fee within 5 business days. Today is the 10th business day and the fee remains on the account. I called Citibank again today, XX/XX/XXXX to ask why the fee was not credited as promised and was told it actually takes 1 or 2 credit cycles to gain this credit. This message is the opposite of what I was promised on XX/XX/XXXX. Delaying the credit by XXXX or XXXX credit cycles is unacceptable as it would require me to pay the fee even though it was cancelled in accordance with the terms of the agreement. I have little confidence that it will be credited in the future as Citibank has already broken their promise from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!