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

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to XXXX   regarding a inquiry on my Credit Report regarding XXXX/XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the inaccurate placement of my mortgage account in the adverse section of my credit report due to an error that occurred during the transfer of my loan to a new lender. This transfer inaccurately caused the account to appear as 30 days past due, despite my consistent and timely payments. I am still actively paying this loan, and it has always been in good standing.Basis for Dispute 1. **Fair Credit Reporting Act ( FCRA ) Compliance** - Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure the accuracy and completeness of the information they report. The 30-day delinquency reported on my mortgage account is incorrect, resulting from an internal transfer rather than any late payment on my part. Reporting this as adverse does not meet the FCRA 's requirement for accuracy. 

2. XXXX XXXX XXXX XXXX ( XXXX  ) Metro 2 Compliance** - The Metro 2 format, the credit reporting standard, mandates that accurate status and history are maintained when accounts are transferred or sold to another lender. This includes ensuring no late payments are inaccurately reported as a result of the transfer. Since I have never been late on my mortgage payments, any past-due status should be removed, and the account should be moved to the appropriate section. 

3. **Impact of Inaccurate Reporting on My Credit** - The misclassification of this account as delinquent or adverse unjustly affects my credit profile. Reporting errors due to lender transitions should not impact a consumers credit standing, especially when payments have remained on time. 

Request for Action In light of the above, I respectfully request that Experian : 1. Investigate this account to confirm that it is being reported accurately and in compliance with FCRA and Metro 2 standards. 
2. Remove any mention of past-due or late payments related to this account transfer, as I have continued to make payments on time. 
3. Relocate this mortgage account to the appropriate section of my credit report, accurately reflecting its current status as paid on time. 
4. Provide me with an updated copy of my credit report reflecting the correction of this account. 
Thank you for your attention to this matter. I trust that Experian will make the necessary corrections to ensure my credit report accurately reflects my payment history and standing as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX - XXXXXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} / XXXX XXXX  ( Original creditor : T XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00} /
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting charged off accounts as past due with amounts, showing different high balances than the other credit bureaus
Product: Credit card

Capitol One Bank is, creating debits and credits in my account to over charge. 
I disputed a charge of a company, because I did not order the product. The bank gave me the Credit. The company returned the money to the bank, therefore my account was left in the correct amount. Now the bank is charging me again for the said amount with the excuse that they gave me double credit. 
If the bank gives me a credit of {$500.00} and I use {$300.00} What I actually owe is {$300.00}. 
plus given rate percentage. 
I need help because this is a clear, game of fraudulent numbers that the bank is using to create profit.
Product: Bank account or service

I am a XXXX veteran, senior citizen of a fixed income. My social security has been discontinued at XXXX point, and continues to be deposited late on numerous occasions despite my complaints to Social Security about this matter. I have XXXX separate months when I did not receive any income. US Bank is aware of this matter ; it continues to charge exorbeint overdraft fees, allows checks and automatic deductions to be submitted at least three times and each time the funds are not in the account they charge me insufficient funds fee and the over draft fee. I am never able to catch up because I always in the negative due to extremely expensive penalty fees and extended fees, etc. The bank refuses to allow to close the account or to freeze the account. This is so they continue to charge me the extreme fees which keeps me in the negative. I have explained my situation to them but the bank refuses to assist me in this matter in any way. I view these bank practices as predatory, and target senior citizens and XXXX persons. Is there anything that can be done to challenge these unfair practices by this bank. I am always so in debt for their fees I never have enough money to pay my bills and pay their continual fees. 
Available Balance Checking - XXXX - {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies transunion has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This complaint stems from simply switching one credit card for another at the PNC bank XXXX, MI branch. I requested my old account stay active to preserve my stellar payment history of over 30 years and to cancel auto-pay AFTER the last purchases were paid. PNC cancelled the auto -pay prematurely and as a result, I incurred the fees and interest reflecting non-payment. This was evident after returning from a extended vacation. After on going discussions about this matter with several different employees, it was XXXX XXXX of PNC who stipulated that the fees would stand and I was to blame for stopping auto-pay. Accordingly, I severed all ties with PNC after 30 years as a customer and withdrew my {$29000.00} savings and cancelled the new credit card and declared I will never, ever pay those fees and interest for as long as I live. I believe a third party agency like the CFPB and others should be made aware of this banks practices in that a simple mistake can be made and can not be corrected at the cost of a consumers credit rating and financial standing and reputation ( in my case an XXXX rating or more ). Most of this issue took place in XX/XX/2018 with me terminating my accounts on XX/XX/2018.
Product: Debt collection

WESTLAKE FINANCIAL HAS BEEN CONTACTING REGARDLESS OF ARRANGEMENTS SET UP. PHONE CALLS DAILY BETWEEN 5-10 TIMES. WOULD EVEN CONTACT FROM LOCAL NUMBERS AND UNKNOWN, NO VOICEMAILS LEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows my account is open but it is in collections how is that possible? My information is also incorrect.
Product: Vehicle loan or lease

To Whomever it may concern ; This Complaint is about the consumer credit transaction iniated on XX/XX/2020 with your financial instituition executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 
The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above -mentioned Consumer Credit Transaction without giving me the opportunity to opt-out, your institution, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) According to 15 USC 6809 ( 4 ) ( a ) The term nonpublic personal information means personally identifiable financial information 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 Otherwise obtained by a financial institution Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
Therefore, as per literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your company admits that the company named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 
PuUnder5 USC 1681a ( d ) ( 2 ) ( a ) ( ii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if a company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your company has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my consumer report 01. Remove all late payments If you accept my complaint I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter.
Product: Checking or savings account

My account was restricted after I tried to transfer money to another account on XX/XX/XXXX. The account has XXXX XXXX  in it and is still pending review on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than six months, I have unsuccessfully tried to have Equifax put a credit freeze on my account. I tried online, over-the-phone, by U.S. mail ( following Equifax 's instructions, including a copy of driver 's license ). When I received a letter from Equifax that it couldn't place a freeze, I wrote to CEO XXXX XXXX on XX/XX/XXXX, demanding the freeze. I never heard from the company and wrote a second letter. After my second letter, employee XXXX XXXX emailed me in XX/XX/XXXX. As he requested, I gave him my phone number, but he never call me. I called him three times --XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX --  before he returned my call. Bottom line : Equifax hasn't placed a freeze on my account. I have successfully placed freezes with XXXX, XXXX, XXXX and XXXX. The motivation for is my personal information was stolen in Equifax 's data breach. I am concerned about my identify theft and want this resolved asap.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from PROCOLLECT. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint againstPROCOLLECT in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. 

This debt was agreed to be removed by XXXX and pro-collect. It was deleted 4 months ago and then reinserted/re-reported last month on my credit report as a new collection. 

Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a number of items on my report that are not mine. This is definitely fraud so I contacted the police locally and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and these inquiries are not mine either : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXXT XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VETERAN AND XXXX XXXX XXXX. I DO NOT HAVE A DRIVERS LICENSE, THEREFORE I HAVE NOT APPLIED OR HAD ANY AUTO LOAN IN MY NAME. I HAVE COSIGNED FOR FAMILY MEMBERS BUT HAVE NOT HAD ANY ACCOUNT WITH XXXX XXXX. I RECENTLY DISPUTED WITH XXXX EXPLAINING THE FRAUD AND PROVIDING PROOF OF IDENTITY AND RESIDENCE. 
I HAVE BEEN INFORMED BY CONGRESS THAT THEY passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. 

THIS GOES FOR XXXX, EQUIFAX AND XXXX.
Product: Student loan

Aidvantage operates under horrible business practices and should not be allowed to be a federal loan servicer. 

In XX/XX/year> I set up auto pay. On XXXX XX/XX/year>, I received an email from Aidvantage saying that they had approved my request for auto pay. I logged onto today, and found that they did not charge me for XXXX, XXXX, XXXX or XX/XX/year> as I had directed them to do via the autopay agreement. There were XXXX Terms and conditions that I agreed to which would allow them to not charge me for these months. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX months would have gone toward my federal student loan forgiveness. I can not get that time back, and I did not agree to not be charged during those months. I understand that there is a federal forbearance. Going on right now, however, I am still able to pay on those student loans if I choose to, and I chose to do so when I set up auto pay. I am now out XXXX months of interest, free payments that I thought were being made on my behalf, as I legally agreed to that with Aidvantage via the autopay agreement. I have previously run into shady business practices with them, including overpaying on my student loans XXXX month by several XXXX dollars, and theyre choosing to not put enough toward XXXX of my student loans that missed the minimum that month. I still have XXXX clue how they managed to make that error. I do not think that they are operating legally, and if they are, they are clearly operating unethically. I do not want to work with them anymore as a servicer, and I do not think that the federal government should be working with them if they are choosing to, not follow contracts entered into for auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

My XXXX XXXXXXXX  payment of {$9000.00} for my Unsub and Subsidized loans has yet to be found by Mohela , despite the payment my dad made via e-check as well to be sent the next day in the amount of {$26.00} being posted to my account as received. This amount being found would leave me only with a handful or less of dollars to be paid off. I have been in contact with Mohela starting XX/XX/year> re : this missing payment. The current balance that day was {$9000.00}. The rep told me she was submitting a ticket to XXXX  once neither she nor her supervisor could find it, and that I could call to ask a rep to look for any updates XXXX  added. She told me that the the ticket would take 5-10 business days to be looked up, that i could call and check after that to see if there was any update. She asked if I could submit proof of payment via the portal, which I submitted a screenshot my dad had sent me when he scheduled the payment. 

As of XX/XX/XXXX, I was told XXXX still hadn't reviewed the ticket. I was told that all correspondence, like a letter my dad had his bank send confirming the e-check had been received, would be forwarded to the dept after I submitted it via the Mohela portal ( which I did after getting off the phone with the rep. 

I called again in XX/XX/XXXX, which was after the 10 business days the 1st rep said I should call to see any updates. I was told by this rep that they weren't seeing anything new and was placed on hold. She told me when the ticket was submitted, and that " payment research '' takes up to 37 business days, which would be up XX/XX/year>. 

Upon calling another time on XX/XX/XXXX, I was told that XXXX  had started working on the ticket on XX/XX/XXXX, and that once a request/ticket is submitted they have 90 business days to begin a review and 37 business days to conduct the review, She told me she could see a previous rep the last time I called had told me to call back XX/XX/XXXX seeming a bit annoyed ( which I understand I was given a date, but what is wrong with calling to have them check the status since it is UP TO 37 business days for the review ). I do not think the company was very transparent in how long they have to get to a ticket nor with how long the review takes. 

I have not called to check since XX/XX/XXXX as my dad reached out to the law firm handling the teachers ' union class action the weekend of XX/XX/XXXX. They informed him that their law firm was not able to take on any individual cases as of the moment, given the size of the class action against Mohela, but recommended filing a complaint with the Consumer Financial Protection Bureau as well as some other resources. Upon checking my current balance on my Mohela account today, it is at {$9000.00}. Not only is this sizable payment being lost and the length of time to look for it concerning, my father and I are both concerned that once they do " find the payment '' it may not be accurately applied retroactively as it should. Another concern is how the goalpost regarding the time to get an update kept changing despite being told I could start checking in after 10 business days by the first rep.
Product: Credit reporting or other personal consumer reports

XXXX is reporting all three major credit reporting companies that they received my payment 30 days late in XXXX 2023 and XX/XX/scrub> 2023. My account is set for automatic payment. This information is incorrect and is affecting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis refuses to show two accidents on my report as NOT AT FAULT, which is preventing me from getting car insurance and risking my financial health. I am currently consulting with a lawyer who will represent me on a contingency to sue them for not correcting this. I filed a dispute with them showing my concrete proof : both XXXX  and XXXX XXXX XXXX  that these accidents are NOT AT FAULT in their systems and I have letters from both stating such. Both police reports for the incidents show I am not at fault. But every time I try to use a car insurance broker, they pull these accidents and they show at fault and they blame LexisNexis for this. I should not have to pay a downpayment and {$500.00} a month for insurance on a paid off car with a perfect driving record because Lexisnexis REFUSES TO SHOW THESE ACCIDENTS AS NOT AT FAULT. I AM PREPARING TO SUE AND THIS IS NOT AN EMPTY THREAT. I HAVE ONE LAWSUIT IN FEDERAL COURT AND TWO IN CIVIL COURTS. I WILL PURSUE YOU. THIS IS UNFAIR AND ILLEGAL.