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

XXXX ; Experian and XXXX  are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I was attempting to view my Trans union credit score on their own website. I went to transunion.com and clicked " view my credit score '' in the top right. I was then prompted to enter some personal information ( name, birth date, last four of social ) and credit card information. Proceeding forwards, they asked me to create a username and password before seeing my credit report. I then saw that they had charged me XXXX for a " credit protection service. '' I immediately cancelled this service, and investigated why I had been charged. 

When you click " view my credit score '' in the top right of the transunion homepage, they automatically add credit protection as a XXXX charge ( and do not let you remove this product during the process of creating an account ). This is incredibly misleading, since you did not ever ask for this product, nor is it clear that you will be charged, the banner saying that the product was selected is on the side of the screen similar to a banner add. Upon completing your account, you are charged for the product and never given a conformation you are being charged. 

Transunion has been fined by the CFPB in the past ( ironically ) for similar business practices.
Product: Mortgage

Nationstar Mortgage co. bought XXXX XX/XX/XXXX and first thing they charged me XXXX dollars Attorney fee which I protested and after several months they removed it. and they have assessed my account for XXXX dollars Escrow that is also a lie and for 18 months they have been relentless on me after I have shown them on paper where I only missed ONE month at the most for insurance because of a cancelation of all my auto insurance in XXXX and I did no know that they canceled my homeowners insurance also. I sent paperwork that proved I got Insurance the next month. They also say that I was one month behind in my payments which I have checked all my bank statements that say I am not. Please help me because they are doing this me and maybe a lot of other older people wrong by profiting off of escrow and legal fees. On the first statement they sent me I had XXXX dollars in the escrow line then they changed it to XXXX - sign later. Thanks XXXX Nationstar Acc. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), XXXX XXXX is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.
Product: Mortgage

Today I received a call from a so called representative from the bank where my mortgage is held ( PHH Mortgage services ). He claimed to be my new relationship manager, and was offering me a loan modification as well as a reduced mortgage payment.in order to avoid foreclosure. I am 2 months behind and discharged form chapter XXXX  bankruptcy. I was told that in order to participate in this program and save my home, I would have to send in {$960.00} which according to him would clear up my negative Escrow., and allow me to move forward with the modification. Mr. XXXX XXXX phone number XXXX XXXX XXXX said that my negative escrow as stated could only be paid through XXXX. I called the bank and they said that my escrow was negative ( {$190.00} ), and that I was not in forclosure, and If I wanted to clear it up I could send a check to the banks escrow department. They also stated that they have no notes of a call being made to me or do they have a record of a XXXX XXXX at the bank. They also gave me the name of my relationship manager. It is possible that this is happening to a lot of other individuals that are in similar situations with their mortgage and are being approached and scammed because of their perceived vulnerability. 

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

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts that you reported that are accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with in regards to the following accounts and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 

Thanks!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. These agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. FERPA- Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school, the school never notified parents nor student of their rights annually. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY : 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

Company : XXXX XXXX XXXX Amount : XXXX Opened : XX/XX/2023 Company is not a legitimate company. A previous dispute of the same amount was removed and deemed not legitimate. Information from the original company was sold to them. This account was also set up for a TX residence. I have proof of residence in LA. 

All of credit bureau reports have been frozen for over a year. There is no way a new account could have been opened.
Product: Mortgage

I have communicated with my loan servicer regarding my CARES Act forbearance for my VA loan. However, PennyMac is not offering me the loss mitigation solutions for the missed payments to VA mortgage borrowers under the COVID-19 CARES Act protections. 

PennyMac Communication Log : 1, XX/XX/XXXX : Customer Service Outcome : Advised of new increased payment plan 2, XX/XX/XXXX : Partial Claim Rep. 
Outcome : 1 payment plan offered, advised that the VA Partial Claim option it not available to me. 

Thank You
Product: Student loan

They started billing me even though I was still in school after I graduated to continue my education. I was under the assumption that I had 6 months after I was done with school to start paying. I have XXXX loans though aes and my second loan is current as of today and I did a annual credit report last week and found out a judgment was made against me even though I wasnt served. My email is XXXXXXXXXXXX and my number is XXXX
Product: Bank account or service

On XXXX/XXXX/2013 I went to the ATM to withdraw {$30.00} from my account it was declined because there was only {$20.00} available on this day I withdrew the {$20.00}. On XXXX/XXXX/2013 I had a XXXX however I received a notice from bank of America XXXX/XXXX/2013 stating that I had overdrew my account by {$8000.00}. How is this possible when I could n't withdraw my account by {$10.00}. I visited the bank and filled out paperwork disputing the charges I was told everything was ok. I have since tried to open an account and have been declined, and was told that I could n't open an account nowhere in the United States, This was told to me by an employee of Consumer Finance. I ask that you please help me in this situation it is not fair that I am being wrongfully accused of an action I did not caused. This has drastically hurt me I have been homeless and hungry at the time in question and {$8000.00} could have really helped me, this situation has caused me pain and suffering.
Product: Debt collection

On XX/XX/2021, I was made aware through the website XXXX XXXX that Merchants & Medical Credit has been added as a derogatory mark towards my credit. Merchants & Medical have not tried to notify me directly ( Neither written or by telecommunication ) about this debt they are trying to collect. XX/XX/2021, I contacted Merchants & Medical about this debt, and tried to negotiate a " pay-to-delete '' solution. They complied with this. Although, when I requested to receive written agreement for the " pay-to-delete '' before I made the payment of {$500.00} in full, they stated it was against company policy to do so. I feel as though I did not receive the fairness I should've that is stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau
Product: Checking or savings account

This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. Charged XXXX Cash app name XXXX XXXX ( $ XXXX ) XXXX XXXX XXXX  This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. Charged XXXX Cash app name XXXX XXXX ( $ XXXX ) XXXX XXXX Failure to exercise reasonable care in regarding consumer information lawsuit. 

Check should be sent to my updated addresss as I dont use cash app because of its fraudulent things that occur
Product: Credit card or prepaid card

XX/XX/XXXX XXXX recon claim got two letters in mail stating I was denied same day I recon. Its been 90days since all XXXX claims were filed. I received a letter stating I was approved for claim to go to my favor, it was dated XX/XX/XXXX but came in XXXX. I dont see how a paper dated for XX/XX/XXXX came a month later and the Letters XXXX XX/XX/XXXX came exact same day. All claims filed same time one approved two others on investigation. I been giving the run around and having financial hardships since not receiving cards in 2020.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX XXXXXXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, Experian is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation.

TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), EXPERIAN is required to respond to a consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. EXPERIAN has violated the FCRA and did not respond within 30 days.
Product: Student loan

I did not know I had a loan through NAVIENT until I saw my credit score drop a large amount in XX/XX/XXXX. When I finally got a hold of them to learn about my account ( and create a login so I could actually access the account ) they were going to send it to collections or I needed to start paying right away. I found out that they were sending messages to my school email that I didnt have access to after I graduated. Because of this delay, I was not able to start paying off the loan until XX/XX/XXXX, six months after my loan payments should have started. They had my cell phone number and my parents address but never attempted to call me or send anything in the mail. When I tried to fight my credit score drop with them, they responded that their information was accurate and that there was nothing that I could do ( XX/XX/XXXX ). I also did not hear about their response until about a month after the document was dated because it was sent to an inbox that I did not know existed within their website. I did not receive an email ( to the updated email I gave them ) or phone call letting me know that I had a new message waiting to be opened. The way they handle their accounts is unethical and unprofessional. I went to college to get a degree to better my career, not be blindsided by a company who wants to make as much money they can and not care about those affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent account XXXX {$270.00} on my credit files. I have filed a cfpb complaint against XXXX and uploaded the FTC Report # XXXX for their records. Also, attached is my license, utility bill, and ssn card to verify and process my block and delete request of this fraudulent account. There are fraudulent inquiries as well on TransUnion and XXXX  that are list in the FTC report. I have never had any business relationship with XXXX XXXX XXXX or the original creditor.
Product: Money transfer, virtual currency, or money service

I was scammed by someone and the transaction took place through zelle. The transaction occurred on XX/XX/22 and was for {$150.00}. I reached out to zelle and reported the incident on XX/XX/22, and have not heard back from them since.
Product: Checking or savings account

Hello, I am filing this complaint against Wells Fargo regarding a check I was issued in XX/XX/XXXX for the amount of {$1300.00}. The funds were made available into my Wells Fargo Checking account ending in XXXX. The check was made out in my name. I was told by Wells Fargo Customer care the funds would be placed back into my account. It is now XX/XX/XXXX and I've yet to see this situation resolved. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The loan has an interest rate of 591.18 % attached to it and I couldn't pay the balance down. I tried to reach out for a payment plan, but my efforts were refused. The loan originated in XXXX, but recently discovered it was sent to collections. There isn't illustrated how much was paid toward the loan, either.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was financed through Kia, which I purchased in XX/XX/XXXX. I paid on time for 1 year, then in XXXX of XXXX the car was totaled. I informed Kia as well as my Insurance Company and My GAP insurance. Kia failed to send the proper documents to the Insurance companies. This was told to me by both Insurance companies, In XXXX both companies informed me they had all my paper work they were waiting on Kia to send in their paper work. Then in XXXX of XXXX I received a letter from Kia stating that it was finally done. But then in XXXX I received a letter stating I owed over XXXX. Not only that Kia reported my loan as a bad debt write off. How can they do this. I had Insurance as well as Gap insurance. 
This has damaged my credit score so bad I can't even get my home loan refinanced which I am in desperate need of during this hard time with my hours being cut. 
Please can someone help me get this matter resolved and fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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: Student loan

I have a parent plus loan originally through XXXX XXXX and Navient took over my loan and they keep doing forbearance on them with is costing more in interest instead of giving me a repayment plan. XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXX XXXX It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX  has not provided documents of late payments which I also requested.