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

I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by Transunion, XXXX and XXXX. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even 1 inaccuracy, which one is actually reporting correctly? I sent XXXX XXXX XXXX request letters to all 3 bureaus certified mail which have all been received but only Transunion and XXXX have responded. XXXX sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the two collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. Transunion simply continues to state the accounts are verified. XXXX has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

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

Wells Fargo Bank , N.A . ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, Wells Fargo stopped pursuing me for this debt. However, Wells Fargo is still updating my credit report each month regarding this debt. I would like Wells Fargo to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both Wells Fargo and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.
Product: Debt collection

They call ask for me and when I try to talk with them they hang up or repeated calls and when I answer they hang up.
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 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, 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 report agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sections 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: Student loan

In early XX/XX/2014, my mother applied for a student loan from Sallie Mae to finance college. She was in a hurry to get a loan, as she waited too long to apply, and looked to Sallie Mae to get a loan. It offered her very high interest rates, which she was inclined to accept so that I could go to college. Over the last 4 years, Sallie Mae has consistently raised the interest rate on the loans despite both my mom and I having a credit score of over 700 and never missing any payments. The interest rates on the two loans are now at 11.25 % and 10.125 % APR!!! Sallie Mae has been raising the interest rates in 0.125 to 0.25 % increments every 6 months or so. I also have reason to believe that payments are not being disbursed correctly between interest repayments and principal repayments. I believe it may be applying parts of payments that should be deducted from the principal and recording it as interest repayments. 

I am not sure if what they doing is even legal for a loan servicing company in the United States. Interest rates are increasing for no apparent reason on loans that are already at levels way above the average interest rates for student loans. Consistent payments each month are only deducted from accrued interest regardless of the amount we pay. We are planning to refinance the loans with another company once I graduate this year.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cashapp ( Block , INC ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). To be more detailed Cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving me unprotected. There dispute process have been unfair and deceptive as then not follow the disputing requirement under ( EFTA ) electronic fund transfer act ( EFTA ) and regulation E. The actions have caused a significant financial loss and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XXXX, XXXX and XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous 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 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 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 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 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: Debt collection

On a day XXXX  2021 I was sitting outside drinking wine when XXXX XXXX  from XXXX XXXX came to my home to harass me to sign up for XXXX internet. I told them I already had XXXX. They began giving me compliments as a way to get me to sign up for XXXX. I agreed to have the technician come to my home to set up the internet. That same week the technician came to my home but told me he could not set up any equipment or internet at my home because the box in the neighborhood was locked. I called XXXX and told them there technician was unable to connect my internet and I was going to stay with XXXX. However, they continued to charge me for a service they never provided. They called me and harassed me many times and I told them over and over again that I am not a customer and I have never had any services from them installed.
Product: Credit card or prepaid card

I went to Wells Fargo in XXXX to advise them that, as a result of a XXXX, traumatic event, and various health problems that resulted in hospitalization, I would have no income for the remainder of 2017. Thus, I would be unable to make my upcoming credit card payment. I asked them to discuss options to pay off this debt without incurring late fees, severe interest charges, and so on. 

They advised me to NOT make a payment on the account and that once a certain amount of time passes, they would be able to assist with refinancing this debt ( they even provided the specific options that would be available, such as switching the debt to a XXXX interest card ). They assured me that since I was a Wells Fargo customer for XXXX years and never missed a credit card payment, they would be able to work with my situation. 

Per their instruction, I did not make payments and went back to Wells Fargo after the suggested timeframe ( into XXXX ) so that I could discuss this with them as well as discuss why I was charged fees even after speaking with them. Then they advised me that they can not do anything to refinance and I am required to pay the balance. 

I have incurred {$500.00} worth of fees in the timeframe during which I was sick and hospitalized on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$19000.00} ; 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 XXXX
Product: Mortgage

I am again filing a complaint against Guild Mortgage company. Guild has continued measures of harassment although they have been notified of the sale of our home. The process is currently in escow and I have been providing them with current updates in this regard with certified and notarized documentation. I have tried and tried even through the previous complaint in which they changed legal documentation as submitted to the Consumer Financial Protection Bureau once they were required to submit documentation stating that they were right in their decision making and reporting of false statements on my credit report in which they admitted to myself and I provided that documentation and they went ahead and changed the exact documents omitting the data of their choice. They also changed our account history based on their want in which the documentation then then mailed to my house has been actively changed by XXXX XXXX. XXXX XXXX also had a associate contact me in response to these measures telling me that the recorded conversations of all phone calls they have on file and when I asked to liten to the recordings as well the male individual stated that those are their recordings and I will not get access or ability to listen to these recordings. I also find it rather disturbing that they are permitted to change legal documentation in regards to mistakes that were brought to their attention in order to avoid any further action towards them in favor of a borrower. Interesting that they now sent a certified letter stating foreclosure when XXXX verbalized permitting hold payment during the payoff period and now they are stating they are going to take our home when it has already been sold with contract acceptance and proof of lending from a different mortgager. They have forged documentation in stating that they were never holding money without our knowledge. It was done numerous times over the last 18 months but them being able to falsify documentation in order to present prejudice behaviors against us, changing dates and information. I hope that an investigation will be done looking deeply into their account process especially because they are actively breaking the forth set mortgage lending laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I answered one or more question wrong no report Some questions I did not know the answers..So no report I called later they asked for 3 types of idenity .Must be lost in mail still no report .why are they keeping my files that's the instructions to do by mail with my id 's and SS number and a billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX. XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : Collection Please delete these items as soon as possible! 
Also XXXX has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX/DEPT OF ED Account number:XXXX balanceXXXX XXXXXXXX Account number : XXXX XXXX I need more clarity as the reports with the three credit bureaus does not make sense.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes 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 any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX OF XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my most recent credit score, I contacted AFFIRM and mentioned to them that the information on my credit report is incorrect. They sent me a letter saying the account would be deleted on all three beureaus. It still shows on XXXX and is not properly updated.
Product: Student loan

I made several lump sum payments on this account to prepay in addition to monthly payment amount. Because of this, my due date kept getting pushed out. Now it says XX/XX/XXXX. Nelnet owes me over XXXX according to their own accounting department. 
On or about XX/XX/XXXX, I called about how my interest would be calculated with the Covid freeze. I was informed that i did not qualify because I had federally backed private loans. Instead, after speaking with a manager and someone in accounting, it was explained that I ( along with others he has seen, but my case was one of the worse ) had this weird due date accelerated issue and that I was owed this back money. I was told to pay the balance owed in full. I paid XXXX. The person then called me the next day to say that I had to pay an additional XXXX, which I paid on XX/XX/XXXX. I was then told that since my account was closed out, that accounting would recalculate everything because of the accelerated due date. I still have not received my funds or an explanation. I want the recordings of the call and notes and for someone to sit down with me about where my money is. 
I advised that the lump sum I paid was from the last money my dad gave me before he died on XX/XX/XXXX and now I am quite upset if this was all some sort of game. My dad and I could never figure out why no matter the lump sums, these loans did not get paid off faster. I believe there is an issue with all of them.
Product: Debt collection

A fraudelent contract was birthed using my identity and sent to collections which is reporting many negative remarks. 
Security Credit Services is attempting to collect a charged off debt.

15 U.S Code 6802 15 U.S Code 6805 Charge offs are considered income and shall not be reported. 
Must be removed from credit report
Product: Consumer Loan

Ally Financial refused to give me access to their Vehicle Inspection website to view the damages to the vehicle. It my legal right to be able to view these damages. I have disputed ALL CHARGES from day 1. But will not cooperate and provide access to the pictures. 

XXXX XXXXXXXXXXXXAcct : XXXXVehicle no : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit report per XXXX. On XX/XX/XXXX, WF  CRD SVC ( Wells Fargo Credit  Services ) add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.