23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TRANSUNION 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the  Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I paid the bill out of fear. 
Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter that XXXX XXXX reduced my credit limits because I charged more than my limits its incorrect
Product: Credit card or prepaid card

{$62.00} paid confirm -XXXX paid today 2 months plus late fees. I have been unable to get through your automated system hence late fees. Disturbing - please call back, extensive wait times etc. I and perhaps many penalized for your system failures. hank you for contacting Kohls. 

Regrettably, this email address does not accept replies. If you have a question regarding the communication you have received, please contact Kohl 's at XXXX. We appreciate the time you took to contact us and look forward to serving you again. DO NOT REPLY TO THIS EMAIL. 
CONFIDENTIALITY NOTICE : This is a transmission from XXXX XXXX XXXX XXXX XXXX XXXX 
and may contain information which is confidential and proprietary. 
If you are not the addressee, any disclosure, copying or distribution or use of the contents of this message is expressly prohibited. 
If you have received this transmission in error, please destroy it and notify us immediately at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed EXPERIAN error of prior residential address, incorrectly reported or filed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX. Correct prior address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. Also, I had previously disputed accuracy of these account being mine. Per the FCRA law 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), Me, the consumer, requested the written description of the procedure that was used to investigate my disputes within 5 days of receiving my dispute results. I never received anything in regards to my request per the FCRA law. I am demanding to know the credit reporting agency 's procedure including whom they spoke with, the company name, and the number used to verify my disputes and if my physical signature was witnessed by the credit reporting agency 's investigator. I am also demanding the follow accounts be removed to a frivolous and unlawful investigation. 
XXXX XXXX XXXX XXXX  XXXX XXXX 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: Credit reporting or other personal consumer reports

I paid the full account amount off on XX/XX/XXXX for the full payoff of {$1000.00} then locked the card knowing it was fully paid off. There was a fee charged on XX/XX/XXXX for {$35.00} but that was never included into the total payoff balance when I hit pay off current balance. I was never notified of the fee and only noticed the charge once it was delinquent on my credit score. I paid it in full when I was made aware of the unpaid fee. I disputed the fact that I paid in full and multiple times I was told there was nothing they could do. This has had a massive effect on my credit score. XXXX points.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am contacting you regarding an incorrect report on my credit profile concerning my mortgage account with XXXX XXXX XXXX XXXX. After a recent review of my [ XXXX, Equifax, or XXXX ] credit report, I noticed late payments recorded that do not align with my payment history and the terms of our agreement. THE FTC TOLD ME YOU GUYS HAVE TO FIX IT AND This misinformation is connected to my name, XXXX XXXX XXXX, and the following account : Account Details : Creditor : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$330000.00} Highest Balance : {$340000.00} Monthly Payment : {$2900.00} Account Opened : XX/XX/XXXX Term : 360 months Current Payment Status : Current Worst Payment Status : XXXX Days Late On-Time Payments : 71 % Times XX/XX/XXXX Days Late : XXXX Creditor Contact Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have consistently maintained this account in good standing, yet there is an erroneous record of late payments, which severely impacts my credit profile and harms my future financial and professional opportunities. This error is damaging to my financial stability and creditworthiness and undermines my ability to secure favorable loan terms and employment. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are permitted to disclose consumer information only with the written consent of the consumer. I have not authorized the inclusion of inaccurate late payment data on this report. Additionally, FCRA 1681 ( a ) ( 2 ) ( A ) ( i ) provides exclusions to certain disclosures, clearly delineating cases where information should not be part of a consumer report. 

I demand that these late payment records be deleted or corrected on my report within four business days. Please notify me promptly upon completion of this correction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I was informed via the Navy Federal app that my credit card was in litigation. I called navy federal and was given an attorneys office number. I called the attorneys office on XX/XX/XXXX and requested proof of debt. On XX/XX/XXXX I had not received proof of debt that was requested. On XX/XX/XXXX Navy Federal transferrred {$900.00} unauthorized towards credit card payments. When I contacted Navy Federal on XX/XX/XXXX I was first told that I had to contact the attorneys office so I did. When I called the attorneys office I was told by one of the debt collectors that my account was put on hold due to me requesting proof of debt and they could not do anything with my account, so I called Navy Federal back. When I called Navy Federal back I was directed to the collections department where I was told due to me not reaching a settlement with debt collector they took the money out of my account to pay towards the credit card. I then informed the Navy Federal that I requested proof of debt and I could not agree to settle until I received the proof of debt was given to me. I also informed them that when I spoke to the debt collector at the attorneys office I was informed that the account was put on hold. I also informed the representative working in the collection department that all attempts to collect a debt had to stop once a validation of debt was requested due to the FDCPA. The person working at Navy Federal stated that was not true and that they can continue to collect on a debt until I reached a settlement with the attorneys office.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction.

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive/provide I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within XXXX business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed.

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Product: Student loan

I was attending XXXX XXXX XXXX online program starting in XXXX 2009 to pursue an XXXX degree. At the start of my last term I was informed that there was not enough money for me to finish the term and they would n't let me finish unless I took out a private loan for {$2000.00}. The loan statement showed an amount of {$2500.00}. When I first enrolled I told them I was moving to XXXX from the state of XXXX and asked about work opportunities in XXXX in XXXX. They told me it was wide open with plenty of XXXX work in XXXX and within a couple of months of completion of my degree I should be able to find work in the XXXX field. They also told me that I would receive help with job placement upon graduation. The only assistance I received was online job services through my email which I could have found on my own. They also told me that my credits were transferable if I wish to pursue other degrees. They were listed as an accredited college when I started my courses. Since I graduated I have tried to get into XXXX different colleges and they would not accept my credits. I asked why and was informed that XXXX XXXX was not an accredited college. I explained that they were accredited while I attended. They told me it did n't matter. In order to apply for another college I am required to provide a sealed transcript from XXXX. XXXX is now closed and my records are somewhere and I am getting the run around in trying to access them. Due to all the negative publicity in regard to XXXX XXXX and the fact that they closed, my degree is useless which is very frustrating to me because I made the XXXX list and XXXX list several times and graduated with a XXXX GPA. I have now been forced to work for myself. I started a XXXX business and I still can not make enough money to pay on this private loan through XXXX XXXX or my federal student loans. Interest is accruing which is very frustrating to me. My federal loans are over {$30000.00} for an XXXX degree that once again is useless.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 my 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 XXXX  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
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On Tuesday XX/XX/2024 I tried to request my annual credit score information from all three companies, and all three could not find me in the database, and I was unable to get my credit score. 

I pay monthly utility, and I am an authorized signer on a card with my mom. Calling these companies they simply said they could not find me and hung up
Product: Mortgage

My mortgage is with Wells Fargo, I was offered a loan modification XX/XX/XXXX, which I did not go thru with I was presently in an active bankruptcy during that time chapter XXXX. I continued to make my trustee payment to the trustee during this time and the trustee would disburse funds to Wells Fargo, life happened and my bankruptcy was dismissed XX/XX/XXXX, I had to refile XX/XX/XXXX a new bankruptcy chapter XXXX case. My1st trustee payment was due XX/XX/XXXX I was still making my mortgage payments the trustee and the trustee would disburse the funds to Wells Fargo my trustee payment increased and I was becoming difficult to make so I decided to reach out to Wells Fargo in XX/XX/XXXX to inquire about doing a loan modification I submitted the necessary documents and was told my file was being reviewed. I contacted Wells back the beginning of XXXX and was told that I would be offered the same modification from XX/XX/XXXX, there would be no review. I was like good that means my bankruptcy case can be dismissed because with the loan modification my mortgage will be brought current and there will no longer be arrears. I contacted Wells Fargo from XX/XX/XXXX, weekly up until this past Wednesday XXXX, each time I called I was told your loan is still under review we are trying to work out the finally # 's. That was the response each time. So by this time my bankruptcy case is pending dismissal as of XX/XX/XXXX, so now as today XX/XX/XXXX my case is pending dismissal because of the simple fact I was told by several people at Wells Fargo that I would receive the loan modification from XX/XX/XXXX, without advising me that I would need to pay {$12000.00} I don't have that type of money and I found this amount out on XX/XX/XXXX I'm raising XXXX of my grandkids and I can't afford to loose my home, I feel like all of the time I was contacting Wells I was not advised of the amount that I would have to pay and now I'm being told I could be reviewed for a loan modification with a new review but there is no guarantee that I will be approved. I know things happen in everyone 's life I'm simply requesting a loan modification with the arrears being added to the end of the loan I don't have {$12000.00} to pay Wells Fargo or anyone with that being said and to file another bankruptcy would cost money and the trustee payment would be to expensive.
Product: Debt collection

In XX/XX/18 company opened a collection account. 
XXXX {$600.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX CARD # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my student loans in XX/XX/2022, and in XX/XX/2022. I received a letter from XXXX XXXX stating that all my loans were forgiven.. However XXXX has put that exact amount of {$22000.00} on my credit report when it was paid off and my loans were forgiven last year and then now they have it on my credit report and Trans Union also is showing that I owe {$22000.00} however this is incorrect. XXXX state that I have a XXXX balance. However, they reported me having the balance of above which is absolutely incorrect. I owe them nothing. They stated I owe them nothing I want it removed from my Trans Union credit report. This is hindering me from getting a loan and its absolutely not fair that I have paid these loans off. I had them removed in XXXX through all three credit bureaus and then this student loan company sends in false information and now its back on there. I want it removed.
Product: Money transfer, virtual currency, or money service

Company would not fix a fraud issue with XXXX. They suggest using XXXX but will not do anything about a fraud transaction.
Product: Credit card or prepaid card

My Bank of America credit card had a charge which was listed as an ACH refund, but which was actually a charge for XXXX transaction date XX/XX/XXXX posting date XX/XX/XXXX. 

I received a letter from BOA dated XX/XX/XXXX stating that the above amount was credited to my account- only the account number wasn't mine. 

I immediately called and reported this fraud to BOA and have made numerous follow up calls without resolution. I was told that since it wasn't a merchant dispute that I should pay the entire card bill for that month and that I would get a refund once the case was solved. I have received no follow up correspondences from BOA. I am constantly transferred from one department to another and no one has been able to resolve this. I went to my local BOA in XXXX and they couldn't help me.