23daVinci/CFPB_Complaints huggingface dataset:
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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing in reference to an account that is currently being reported by XXXX XXXXXXXX XXXX on my credit report, Account Number : [ Insert Account Number ]. I believe there are inaccuracies in the way this account is being reported, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am also making a formal request for a goodwill deletion of this account from my credit report.

Dispute of Credit Report Inaccuracy Upon reviewing my credit report, I have identified the following inaccuracies with regard to this account : Inaccuracy # 1 : ( e.g., incorrect balance, inaccurate late payment report, incorrect closure date ) Inaccuracy # 2 : ( e.g., reporting of late payments after the account was closed or settled ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report
accurate information to the credit bureaus. Specifically, under 1681s-2 ( a ) ( 1 ) ( B ), creditors and furnishers of information must correct any inaccuracies or errors that appear in a consumers credit report. I am requesting that you correct these errors immediately to comply with federal law.

Additionally, under 1681i, the credit reporting agencies must investigate disputes related to any incorrect information reported by a creditor, and I have initiated this process with them as well.
Product: Consumer Loan

I have an account with Tower Loan and got behind making full payments. I am currently employed with a company that is changing the pay cycle and relayed this information in a formal message to the home office ( it is difficult to find a phone number for the home office and you must have an extension number for a specific party for the one you can find ). I told a local representative of the company that payment would be caught up by " next XXXX '', which would be XXXX/XXXX/15, when he called me at work. I asked him not to call my job anymore and, of course, everyday afterward I am told by coworkers that I have been getting calls from someone " desperately '' trying to reach me. I made a payment of {$120.00} today, XXXX/XXXX/15, and will make another on XXXX/XXXX/15. Even after making the payment early this morning I am still getting calls. This company is full of a bunch of harassing bullies. I have paid off a loan with them in the past and did not foresee such poor practice as calling my job everyday. These calls are affecting my work environment and my hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my account without written instructions. 


XXXX was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
XXXX Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
Equifax has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.
Product: Debt collection

I have made the payment needed to close the account with XXXX  actt # XXXX but it is still showing as open.
Product: Consumer Loan

I 'm trying to get a refinance on my car loan. I 've had it for 2 years, and they wo n't lower the payment. They keep sending me threatening letters and wo n't help me. I need my vehicle and have been struggling with the high payment. I need to get in lowered.
Product: Mortgage

Need to get a lien release from CitiMortgage account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
Product: Credit card

i have applied for a new credit card, it was denied .. they sent me a email that suppose to tell me an exact meaning .... i called multiple times and also days after because they could not answer my question legitimately, i requested a manager, they sent me to a supervisor, which didn't know not one legal right i proposed to them, he replied saying he wasn't a lawyer and can not answer my question, then i requested a manager, which he denied and hung up the phone .... till today i still dont have no exact reason i was denied...
Product: Student loan

I have been paying back my XXXX XXXX student loans for many years now. A few years ago I made a big push to pay them off, including the loan being handled by Navient. I have spoken to customer service representatives from Navient several times ( in XXXX, XXXX, XXXX & XXXX ) and was always told that extra payments are always applied to the principal and not the interest. Calling Navient is a stressful experience and calls can last at least 45 minutes sometimes ( including time on hold ), so it was and is still not easy to follow up when it seemed like they are not applying my extra payments to my principal. In XXXX, I started writing on my payment stubs and checks that I wanted the extra payment to be applied to the principal, it never was, not even once. OnXX/XX/XXXX Navient received a payment from me for {$6000.00}, with a note requesting the entire amount be applied to my principal. My payment history on Navient 's website shows that of the {$6000.00} they received, {$5900.00} was applied to the principal and {$24.00} was applied to interest. My payment history on Navient 's website consistently shows that, even though the amount due has been {$0.00} for months, my extra payments have never been applied just to the principal, but to the interest as well.
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InXX/XX/XXXXI started making direct payments from my bank account, so I am no longer able to request in writing that the extra payments be applied to the principal ( however in the past I was told I did n't need to put it in writing ). At this time, according to my very careful calculations, I should owe {$3900.00} on my loan, although it may be less based on how confusing Navient 's payment application processes are. According to my statements from Navient, I currently owe {$5700.00}. I do n't understand how so much interest could have accrued when I am making extra payments, which are always being applied to the interest.
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In addition to not applying my extra payments to the principal, Navient does not allow me to make separate payments on each loan, which would allow me to pay off the higher interest loan first. I have requested this option from customer service and they have said they ca n't do that.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  Balance {$84.00} XXXX XXXX XXXX XXXX Balance-
Product: Credit card

I have a credit card from XXXX. The card fee is $ XXXX/year and starts on XXXX. On XXXX I received notice of the renewal. I asked for a card with a lower fee. It was {$49.00}. They issued the card and I paid {$49.00}. They applied the {$49.00} to XXXX to XXXX but never cancelled the {$90.00} charged. They continued to bill me {$41.00} ( $ XXXX- {$49.00} ) and objected each time for 3 months. Then I found that they reported the past dues to the XXXX credit bureaus so I relunctantly paid them the {$41.00} plus XXXX late charges totalling {$4.00}. 
They refused to reduce the {$90.00} fee to {$49.00} because they think the contract permits them to charge {$90.00} if you do n't notify them before the renewal that you do n't want to pay the fee. '' The contract with XXXX states " The annual fee is scheduled to be assessed before you begin using your card and will reduce the amount of credit you initially have available ''. This statement is illegal in California pursuant to the California Automatic Renewal Law, California Business & Professional Code 17600. 
This law states " a company must provide a consumer with a written acknowledgement including the uatomatic renewal offer terms, a description of the cancellation policy, information on how to cancel ''. This was NOT provided, nor did their text referring to renewals comply with Section 1760 ( c ). 
I would like my {$45.00} refunded and more importantly, instructions given to each credit bureau that there was no past due. 
i am enclosing pages referring to XXXX, and the XXXX terms and conditions which plainly does not set out the renewal terms in compliance, and note particularly that bold print appears in many places on their instructions but not where they discuss renewals. 
In addition, in XXXX ( XXXX, XXXX was sued for charging the members credit cards or the members account with a third party for an automatic renewal or continuous service WITHOUT FIRST OBTAINING THE MEMBERS AFFIRMATIVE CONSENT TO THE AGREEMENT containing the automatic renewal offer terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account, XXXX XXXX account, and XXXX account with XXXX XXXX  have all been closed by XXXX XXXX  on or about XX/XX/XXXX and XX/XX/XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by XXXX XXXX  for no reason. I believe the reason they were closed was due to a error on the XXXX XXXX account, which I tried fixing for over a year with XXXX XXXX. This error was correct on XX/XX/XXXX. However, my XXXX XXXX, XXXX XXXX, and XXXX account are still close which continues to affect my credit.
Product: Credit card or prepaid card

Saturday at approximately XXXX XXXX, I purchased a paypal prepaid card from XXXX XXXX XXXX for {$170.00}. When I tried to activate the card, the net spend company said I needed to take it back to the store that got it from because it wasnt properly marked as sold. So I did this and the manager said their books evened out and basically it wasnt their problem. Everytime I try to activate I get told the same thing. Its been 3 days now and Ive heard nothing from either end about a solution. Between the 2, someone basically took my money and neither side plans to give it back. Ive never had this problem before but it will be the last. Especially if theyre just gon na take my hard earned money and place blame on the other party. Im tired of doing this circle already and Id like my money. Either cash in hand or on the card it was supposed to load onto
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to get a phone a few months ago and they told me that i have an account with them that is in collections. I have never opened an account with XXXX so i checked my credit report and found out that i was a victim of identity theft and also saw 2 more fraudulent accounts with capital on on my profile. I have been in contact with both companies and they told me that i need to do a FTC Identity theft report in order for the accounts to be removed. I also have been trying to reach out to XXXX, Transunion and XXXX and they haven't done anything yet. Please remove these accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, 2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.
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 XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX 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

I received my XXXX XXXX credit a couple of years ago I believe. I was making payments on time ( I have all the statements and all documents/ messages from them ). My dad had authorized his bank to make payments on my card as well. One day they closed my card and returned ALL PAYMENTS and made every transaction that had been paid for into a total balance I owed. The original limit of my card was {$300.00}. However, Ive paid over a XXXX dollars to them at the very least. My dad even produced a letter from his bank stating that hed approved the payments. After my account was closed, they kept wanted to give me settlement offers which I eventually just accepted. I began to pay each time on time but every other payment was getting returned returned returned. Even when it had come out of the bank account the payment was made from. They stopped reporting my payments in 2020 and never reported a single payment since to the credit bureau. Even though I have messages from them stating that they were reporting my payments. I hired a lawyer that deals with credit repair and they then began to finally return my calls and questions, but still lied. I finally received a letter from a supervisor this year stating that I owed them nothing. Yet for XXXX months my credit report continued to show that I owed {$200.00} or something similar to it. I spoke to one representative of theirs who and I quote said man, Im sorry, it looks like they screwed you over, they didnt even alert you that they were going to charge off your account. This was all in the midst of me STILL PAYING THEM BUT NONE OF IT BEING REPORTED. MY BALANCE would go down on the app but on my credit report it to this day shows Im like over 150 days late on making s payment. I have all the records, payments, recorded phone calls of them lying. They tried to appease me after the pressure was put on and now theyve updated my credit report only to Paid. settled for less than amounttheyve hurt my credit score for two years now. Ive been the victim of identity theft for the past 3 years and some of the charges on there werent even done by me. Yet Ive disputed it with the bureaus to fullest extent even giving the documents proving that what Ive said was correct. I just want them to fill in the correct payment history for each month that a payment was made. Which they continue to say theyll do, then another agent will say that they cant change it, then another will say it will be updated in 45 days. If its not correct Im going to file a lawsuit. With all of the audio phone recordings, lies etc theyve told me over the years. Yes, some payments were returned but only because they deemed the account I was paying from didnt have my name on it. Im so sick of dealing with them and theyre continuing to hurt my score. Please help me.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Equifax and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Equifax and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I handle XXXX XXXX XXXX and XXXX XXXX XXXX at a XXXX, I deposit funds into the facility account, then cash a check from the account for the amount deposited for resident petty cash, and just cash the check for facility petty cash. To do this requires 2 forms of ID at Wells Fargo bank, per Wells Fargo, a Federal/State photo ID and an additional ( acceptable ID ). The bank sporadically accepts my Work ID which has a current photo that matches my Drivers Licence, employee ID number, Company Name. The checks that I am attempting to cash also have the company name, are endorsed by me with a signature that matches my drivers licence. 

The issue is that when I asked for a copy of the acceptable IDs and a copy of the Wells Fargo check cashing policy I was told that they are not available and are internal bank documents only. I spoke with a branch manager who told me they are internal documents only and I waited on hold for 30+ minutes on the Wells Fargo General Customer Support line and had my Case # XXXX escalated as far as it could go only to be told to ask a branch manager who very clearly told me they can not help and to call customer support. 

The rational behind this as told to me by the CSR ( customer service representative ) is that it is to fight fraud. Not allowing people to know what ID are accepted by the bank you are trying to work with is a fraud fighting measure according to Wells Fargo. 

All that I am asking for is a hard copy of the Wells Fargo Check Cashing Policy and the Acceptable ID list so that I can follow their rules for cashing a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX XXXX TransUnion, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Moreover, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX has totally ignored the XXXX in respect to my loan. My loan is in an ongoing foreclosure case. I qualified for the XXXX, completed the application, sent it to XXXX along with all documentation in 2012. They repeatedly asked for the same documents acting as if they could not find or " did not receive '' the documents. Please see the attached documents that were just filed with the XXXX XXXX Florida Courts on this past Monday. I have proof from third party verification of documents being supplied to them, the documents supplied, and my appeal to them when they would claim they had not received the documents. And then more document requests afterwards. Then they transferred the servicing of the loan to Residential Credit Solutions whom now say they do not have to abide by the terms of the XXXX and are forcefully moving towards a foreclosure hearing when my original loan modification has not been concluded or even offered. I definitely fit every detail required for a loan modification that would require a significant reduction in principle and they are acting in bad faith to circumvent the required relief that I seek.