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

This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX! 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
Product: Student loan

On XX/XX/2023, I called MOHELA and submitted a payment in an amount equal to all accrued interest on my loans. I requested that the payment be applied to pay off all accrued interest, and I was told it would be. However, when the payment posted to my account, the payment was applied only to one loan, so the vast majority went to pay off the principal of that loan. 

I called again on XX/XX/2023, requesting that the payment be applied as I initially requested. I was told that it would be. It was not. 

On XX/XX/2023, I submitted a written request through the MOHELA app, requesting that my payment instructions be applied. MOHELA promises to respond to your written request within one to two business days, so I thought this would be a faster way of having my request processed. 

I called again on XX/XX/2023, after no change had been made, requesting that the payment be applied per my instructions. On this call, I was told that the prior agent made an error and did not apply the payment to all six loan sequences. I was told that a new request had been submitted to apply the payment to the interest on all six loan sequences, that the request had been expedited, and I could expect the change to be posted within 5-7 days. 

On XX/XX/2023, I received a response to my XX/XX/2023 written request, stating in full : " Our records indicate that you have already called and spoken to one of our Student Loan Counselors regarding this inquiry on XX/XX/2023. We will assume the inquiry has been handled. '' The inquiry had not been handled, and MOHELA does not offer a method to reply directly to their response. 

On XX/XX/2023, one week my XX/XX/XXXX call, the change has still not been made. I called yet again, and was told by yet another agent that the request was inexplicably marked in their systems as " completed, '' but had not been applied. I was told that another " new request '' would have to be submitted and that it would be applied in 2-3 business days. I asked that the request be applied now. I asked to speak with a supervisor, and after being transferred was placed on a 52 minute hold. 

I am submitting this request because after this much back-and-forth, I can only conclude that MOHELA is deliberately ignoring my payment instructions in an attempt to increase my loan principal by having the remaining interest capitalize when interest resumes on XX/XX/2023. This is a predatory lending practice and completely unfair to student loan borrowers.
Product: Debt collection

On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrect information on my credit report regarding a car from XXXX. I have an attached letter from XXXX indicating the car has never been late. Also Experian has the car as a repo which is impossible if the car has never been late. Please see attached info on my Experian report that says the car was a repo " foreclosure. '' It is " impossible '' to foreclose on a " car '' Further indicating the information on my credit report is incorrect.
Product: Credit card or prepaid card

Hi, Our family was on a summer vacation in XXXX when my credit card ( American Express ) was hacked and charged {$990.00} twice on XX/XX/XXXX. Because both transactions were completed outside of the United States, American Express charged an additional {$26.00} twice. I did not authorize or use my credit card for a total of {$2000.00}. I've been in constant contact with Amex to get this resolved, but they're just giving me the runaround. We have made at least seven phone calls and chatted with customer service, but all of our efforts have been in vain. All calls are redirected to some foreign location and they just don't care about our problem. They are repeatedly closing our complaints based on false information and claiming that we asked them to do so. 

Please assist!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB Team, I have been trying to work with these credit bureaus for quite sometime now. Unfortunately, they have not been responsive to my disputes so I am submitting my disputes through here. 

I would like to report that the bureau did not receive my permissible purpose to report these negative and inaccurate accounts to my credit profile. 

The letters attach detail more about the scenario. Please see to it that each bureau receives the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 requested for an annual credit report and noticed that there was information on my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors.
Product: Credit reporting or other personal consumer reports

Revocation of Consent for Sharing Personal Information To Whom It XXXX Concern, I hope this letter finds you well. My name is XXXX XXXX and I am writing to you in regards to the sharing of my personal information by your respective agencies on my credit reports, as well as by TRANSWORLD SYSTEMS INC. 
Firstly, I want to express my sincere appreciation for the responsibilities you uphold as consumer reporting agencies, as outlined in the Fair Credit Reporting Act. The Act rightly emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy, principles that I deeply value. 
However, I am writing to assert my rights under the law to ensure that my private information is not shared without my explicit consent. As stated in the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act, it is my fundamental right to maintain the privacy and confidentiality of my personal information. 
While I understand the necessity of accurate reporting for financial institutions, I must emphasize that I have not provided, nor have I consented to the sharing of my information with XXXX, XXXX, XXXX, or Transworld Systems Inc. Any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 
Furthermore, I want to highlight that I was never informed of my right to exercise my nondisclosure option by Transworld Systems Inc as required by law. This lack of transparency is concerning and undermines the trust I place in your institution. 
Moreover, I have noticed discrepancies in the information being reported, which raises concerns about the accuracy and integrity of your reporting procedures. It is imperative that consumer reporting agencies, like yours, follow reasonable procedures to ensure the accuracy of the information provided. 
Considering the above, I am formally requesting that you cease the sharing of my personal information with any third parties, as I have not provided consent for such actions. Additionally, I urge you to review and delete any inaccuracies in the information currently being reported. Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and professionalism.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX 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

The credit bureaus reported a data breach that allowed my credit info to be accessed.

Exquifax and Experian
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX Student Loan that does not belong to me. This account is either reporting in error or as a result of identity theft. I have contacted Equifax several times to dispute this account and I have not gotten any response or results in this matter. Please assist me to get this matter resolved and this account removed from my credit file.
Product: Debt collection

TrueAccord contacted me by email on XXXX XXXX  by saying I owed over {$2000.00} for a debt that is over 12 years old. Due to the age of the debt, I contacted them by email to dispute the debt, even stating Illinois debt collection statue of limitations in my email. Their response was they are collecting it on the behalf of another debt collection agency, which the debt collection agency is not the original agency. The debt collection agency that TrueAccord is acting on its behalf has NOT contacted me at all about the debt in years. The debt does not show up in my credit reports at all.
Product: Credit reporting or other personal consumer reports

About 3 years ago we began leasing a car through Udrive Acceptance. At some point they merged with a company called XXXX. I found this out when I got an alert from my bank that my credit score went from a XXXX to a XXXX! I immediately called dealtime as I make payments w them now instead of Udrive. After being yelled at and hung up on multiple times, I was told the issue is not with XXXX as Udrive reports my credit. The reason my credit is significantly dropped is due to Udrives lack of management and hiring. After week 3 we spoke to XXXX who advised us that Udrive has no reporter to fix the EIN number on the account ( this is what has caused my credit to be INCORRECLY REPORTED ). She explained that the only reporter they have wont be finished training until Friday XX/XX/XXXX and my issue would be fixed by than. We have waited almost 4 weeks for Udrive to correct the mistake they made, and they have not done so. I am being punished because of Udrives poor practice as a company! I would like to buy a house, I can not do that with a 4 point credit. I more than halfway thru a business plan that I can not present to my bank due to the clerical error caused by Udrive that they refuse to fix. I am not the only account that has been affected, employees of Udrive and XXXX also admitted there credit went down during this merge as well. This is out of my control, I am being punished because a company can not follow proper policy guidelines. I signed a piece of paper stating I have an obligation to make my payments on time. I would assume that they also have an obligation to report my information correctly. This is effecting my life. They are gas lighting and violating my right to fair credit reporting.
Product: Mortgage

Wells Fargo has agreed to re-open my CFPB complaint # XXXX. 
Dear Customer : As part of our commitment to make ting right for customers, we are contacting current and former customers of Wells Fargo who may have submitted a complaint to us, the Consumer Financial Protection Bureau or another government agency about receiving an unwarranted consumer or small business product or service sold through a Wells Fargo branch. We want to ensure you are satisfied with how your complaint was resolved. We are here to help. If you submitted a complaint about an unwanted consumer or small business product or service and feel your complaint was not fully addressed, please contact us at XXXX XXXX, Monday -Friday XXXX to XXXX Eastern Time. Thank you. Sincerely XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they have assigned me new case number XXXX. Any questions, please call me at XXXX XXXX. Thank you. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting misleading information on my TransUnion credit report. It is not using Metro 2 or E-Oscar procedure when verifying a debt on my credit report. The first time XXXX misspelled their business name and did not include any payment. Now XXXX is not giving the full account number and their charge off statements do not match up with the grind.
Product: Credit card or prepaid card

On XX/XX/2021, I called PenFed and ask to talked with a supervisor. A PenFed supervisor by the name of XXXX XXXX came on the phone. I told her that I made 2 payments one for {$200.00} and another for {$2000.00} which paid over the amount due for the Balance Transfer due XX/XX/2021. Both payments made were not placed on the balance transfer of {$1900.00}, that expires on XX/XX/2021. Both payments were placed on a balance transfer that is not due until XXXX of 2021, thus will cause me to have to pay interest on the balance transfer that was paid off in XX/XX/2021. Both payments are showing in the XXXX statement, yet the balance transfer is not showing paid in full for the balance transfer due in XX/XX/2021. She told me that she would check on that after a few minutes came back on the line and stated, " This is the way it is done at PenFed '' I ask to talk with her supervisor she told he was not available, and would find out what manager was available came back on the line and stated her Asst. Manager by the name of XXXX XXXX was not able to come to the line although would call me in a couple of hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} Status Collection account. {$22.00} XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged off. $
Product: Credit reporting, credit repair services, or other personal consumer reports

My protection 's privileges have been penetrated and intruded by TransUnion which is an immediate violation of federal law. TransUnion reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Product: Checking or savings account

I was taking to XXXX XXXX in the Escalations Representative Enterprise Complaints Management Office at his number XXXX on XX/XX/year> about my complaint and he got mad at me and made smart comments and smart remarks I was supposed to call him more then one time that isnt true he never returned none of my calls or voice mails and got mad I make a new complaint for a new issue that isnt same with more updates about the old issue please investigate this complaint and investigate him and punishment him and take action against him etc and my name is XXXX XXXX I need a update on my complaint about the issue I reported etc.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.