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

I would like to follow up with the ongoing issues related to my credit report, specifically the late open account and the late closed account. Despite my numerous attempts to address these inaccuracies, this letter marks my many effort to resolve the matter. have submitted 15 prior requests to correct these errors. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inaccuracies remain unresolved, which continues to negatively impact my credit score and financial standing. Please help me correct the status of the late open account to reflect timely payments and remove the late payment record from the closed accounts. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me correct or remove these accounts i, mmediately : 1. XXXX XXXX XXXX XXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
2. XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX  XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Credit reporting or other personal consumer reports

This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 




UNAUTHORIZED INQUIRY : XXXX XX/XX/year> TU 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 ) ( XXXX ) 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: Student loan

On XX/XX/XXXX I requested my reinstated loan groups from my covid pandemic refund to be put on to my previously approved SAVE repayment plan. 

I had to do this because when I checked my student loans account on Nelnet, there were 3 reinstated loan groups that were NOT on the SAVE repayment plan. This can all be verified via the attachments ( call history, screenshots of my loan groups not on SAVE plan ). 

The Nelnet # called is XXXX. The customer service representative told me they submitted my request to the Repayment Plan Enrollment team, and also told me that it would take 5-10 business days to process the request. It is now XX/XX/XXXX so it has obviously been more than that amount of time. I have already had to pay for XXXX as I opted out of the 1-month on ramp under the belief that my reinstated loans would also automatically be put under the SAVE plan. This obviously did not happen either. 

I want Nelnet to expedite my request and immediately put my reinstated loans on my ALREADY approved SAVE plan. They have my approved SAVE application so I don't know why this is so hard, unless they are intentionally trying to get money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX Account Number : XXXX ; XXXX XXXXccount Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Debt collection

I  XXXX   XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in the  Commonwealth o f Massachusetts. In addition, the account balance in question was a corporate account with Bank of America that was settled through  XXXX  of my corporations back in  XXXX . The account dates all the way back to  XXXX , and the matter does not apply to me personally. This organization known as  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  realize that this company  may  be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with Bank of America back in  XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed.  XXXX   XXXX   XXXX   XXXX   XXXX  acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not only   XXXX   XXXX   XXXX   XXXX  , but by Bank of America as well. This account information and any reference to  XXXX   XXXX  has no personal connection and needs to be purged permanently.  XXXX   XXXX   XXXX   XXXX   XXXX  is in strict violation of my rights under the Fair Debt Collection Practices Act an d Commonwealth of Massachusetts General Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with Equifax that was allegedly verified by Equifax. Upon receiving notice of the investigation, I requested the method used to verify the information according to the Fair Credit Reporting Act and have not received a response from Equifax whom is also continuing to publish the information in my consumer report. It has been more than XXXX business days since the request was received by Equifax and they are now in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

Im a business owner using Wells Fargo merchant services. Ive had successful batches in the past but Wells Fargo is holding my funds and hasnt responded to me or gave me a reason for such. Ive contacted the merchant departments and security department many times and the representatives have gave me no explanation why and no steps in order to resolve the issue. The funds amount is upwards of XXXX. This is causing disruption in my business operations with no explanation as to why. Im losing business services and customers until this is resolved.
Product: Debt collection

I have had two separate reporting incidents from " XXXX XXXX '' for a medical bill (? ) from XXXX XXXX XXXX in XXXX, NC. for the amount of {$340.00} on XX/XX/2018 and again {$130.00} on XX/XX/2018. I have reported/disputed to XXXX  and both have been removed as of XX/XX/2018. I contacted both the initial biller/creditor and the collections company, both have no record of my name ( married of maiden ), DOB or SSN. Yet, the same set of companies reported a collections amount for the second time. I'm not sure if the company has an error in the SSN of another client or if they are fraudulently billing " customers '' that have never been to them or used their services.
Product: Credit card or prepaid card

Hello, On XX/XX/2021 Initiated a live chat on American Express 's website and request to transfer XXXX points to my linked XXXX airline account. Upon agreeing to the disclosure, the points were successfully transferred. However, upon viewing the activity page I noticed the agent accidentally transferred XXXX twice, without my consent. 

I attempted to be reconnected to the same agent, but was unable to reach her. I opened a case with the Rewards Department the same day, and they reached out to XXXX to request for the points to be returned as an exception due to their error. XXXX responded on XX/XX/2021 confirming that all points transfers are final and can not be reversed. 

As I've mentioned to several representatives, I don't believe XXXX should have accepted the request to reverse the points transfer. American Express needs to recognize that there are policies in place for a reason, and once a transfer is submitted it can not and should not be reversed by the airline, regardless of whose mistake the transfer was. 

I am asking that American Express take responsibility for their error, and credit me XXXX rewards points as these were removed from my points balance without my authorization and placed into an airline account which I have no intent on flying with in the next few years, prior to miles ' expiration. 

Thank you
Product: Mortgage

I have tried on multiple occasions to have my Escrow account reanalyzed after my property taxes were revised. However, the company has not done the analysis. They were provided the revised taxes but have not taken action. In addition, they do not have any customer service available to speak to. The online help and phone number does not allow you to get the support necessary to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to XXXX, equifax, and XXXX in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of XXXX  is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of XXXX  is {$1300.00}. The High balance of equifax is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this account.
Product: Payday loan, title loan, or personal loan

Applied for a project loan through Home Depot in XX/XX/2021 for a window project. the loan was good for 6 months, so the project had to be completed prior to that. the project was completed, and Home Depot representatives never completed the loan charging process, and now expect me to either pay the difference, or reapply for another loan. they could just call the finance company and explain what happened, but they refuse to do so. I had spoke with at least 5 employess over the course of the past month and they all acknowledged that they seen the project loan in the system, yet no one chose to proceed to bill the project loan that the job was complete. All I want home depot to do is honor the original loan agreement which was for {$7800.00} I believe, instead of making me have two loans due to their error.
Product: Credit reporting or other personal consumer reports

Valon Mortgage services a loan on property I own located at XXXX XXXX XXXX XXXX Ca XXXX number XXXX. On XXXX XX/XX/2024 at XXXX PDT I made a phone payment on said property. The prompt voice said if this payment was made on a weekend or holiday it would be posted the next business day. I was given a confirmation number of XXXX. The amount was XXXX. On or about XX/XX/XXXX I began receiving notice from the various credit bureaus that I had missed a mortgage payment. Further investigation revealed that Valon Mortgage had reported the negative entry as a missed payment. As a result of this reporting my XXXX score dropped XXXX points. I contacted Valon to try and explain what had happened. I was told to send an e mail to XXXX and provide proof the check cleared on Monday. I did that and provided the actual bank record. I had to contact Valon for an update and was told that even though I had made the payment the check had not cleared until Monday and they would not reverse their decision regarding the credit reporting and would not reverse same. I had made the payment with the 30 day window and had no control as to when Valon cleared the check. I request the missed payment credit entry be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ XXXX, Equifax, and XXXX ]. Customer agents could not provide me with a credit report via mail.
Product: Credit card

This involves both my checking and credit accounts. I have overdraft protection that if my account is ever in the negative/overdraft, a cash advance from my credit card will be sent to my checking account to cover the negative balance. I had an overdraft of {$58.00}. I then proceeded to transfer {$100.00} from another institution to cover any other transactions that may come through. After 9 days, Wells Fargo decided to reverse the overdraft amount and debited my account by the overdraft amount of {$58.00}. The money was debited from my account, but did not show as a credit on my Wells Fargo credit card. I contacted their customer support and they told me to wait two business days for the credit to show up. After two business days, the amount had not been credited and I called back and was informed it could up to 10 business days. So, after 12 business days, the amount was still not credited to my Wells Fargo credit card. Multiple calls have been made and I'm currently waiting on an " Escalations Representative to review my issue and call me back. It has been nearly two weeks since this occurred with no resolution in site.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I did not authorize any of the accounts or inquiries mentioned below. These accounts must be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 aso 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

XXXX, Experian, XXXX are confirming the information their reporting are correct this is violation I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; Experian acc # XXXX XXXX dispute resolved - consumer disagrees. Debt included in or discharged through Bankruptcy XXXX XXXX. XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. ( XXXX Acct # XXXX  XXXX Account involved in XXXX  XXXX debt adj. Auto Included in XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX ; dispute resolved/ consumer disagrees/ These accounts aren't supposed to be showing negative. These accounts should be deleted since their part of my Bankruptcy. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.
Product: Debt collection

I was searching XXXX XXXX XXXX XXXX for an unrelated matter when I came across something shocking which stipulates a default judgment has been entered against me by and for a company named CACH LLC with legal counsel for them named as XXXX XXXX. The summons date is listed as XXXX XXXX  XXXX with a default judgment entered XXXXXXXX XXXX  XXXX and a garnishment notice served to a former employer XXXX of XXXX. So here 's the issue. I have lived in the same house I am currently in since XXXX, I haven't worked for the employer they allegedly served in XXXX since XXXX, moreover, I did not have any 'bad or outstanding debt ' to my knowledge since XXXX. I can say this with certainty because my job at XXXX Police Dpt required me to have good credit, which they checked themselves, and found one collection account that I was required, prior to employment, to bring into compliance which I did through a settlement of the debt amount which was paid as stipulated and proof had to be provided to my then employer XXXX Police Dpt. I have not applied for or taken out any other credit cards etc for well over 10 years and have no outstanding debts in collection etc. as per my credit reports. Upon seeing this I recalled a number of years ago some random judgment showing up on my credit report ( I have credit monitoring due to identity theft issues I have had to contend with ) which I disputed because I thought it was entered in error against me. It was removed thus I thought the matter was closed and in fact was entered in error. Now that I have come across this... I am quite concerned not only about what this debt could be but the tactics being XXXX and the reliability of the information/legality of any information they have apparently presented to a court without my knowledge or ability to defend myself even though serving me at my home was quite possible since I have been in the same place for 10 years. When I looked up this CACH LLC I have come across a flurry of stories with attorneys pages listing the tactics of this company which claims this company often violates the provisions of the FDCA as well as allegations they have violated Consumer Fraud and Deceptive Business Practices Act via similar state court actions and they apparently often conduct themselves this way in trying to avoid, allegedly, having the debtor know of the court filing so they can't challenge the information being presented and/or defend themselves. I am concerned not only for myself but for the public writ large since this apparently is a common practice of this collection company.
Product: Credit card or prepaid card

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX
Product: Credit card or prepaid card

They have paid me part but not all I dont understand how you can pick apart my claim, I am a victim of identity fraud by a roommate of mine, my life has been ruined, she has financial ruined my credit and I really need to move we both are on the lease