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

Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, XXXX, and equifax ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX Equifax is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and equifax are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and equifax is reporting activity after this account was Closed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed three separate disputes to Experian credit reporting agency in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute the validity of certain accounts listed on my credit report. Furthermore, I also disputed the reporting of late payments of certain companies on my report where payments were not late. I requested they verify the inaccurate information with companies who provided them this information. I also requested on all three occasions that they provide me with the method of verification and proof of how the said reported accounts were reported as belonging to me as under Section 609 & 611 of the FCRA. In all three instances, the company has failed to provide me with the method of verification and proof received from the companies to support their reports of disputed accounts as belonging to me and late payments as being accurate on my report. According to the law they are required to provide this to me and to only report information that they themselves ( not via a third party ) have validated as accurate through a copy of the original creditors documentation that they must maintain on file. Additionally, my second and third requests to have them verify the accuracy of the information and to provide me proof of the verification, which I have never received, was denied and reported as information was already verified. This original documentation and verifiable proof is required to be on file and should not be of difficulty to provide by Experian as they reported that the errors on my report were validated. I am seeking next steps towards Experian for their failure to properly investigate errors on my credit report and for failure to comply with Section 611 ( a ) ( 7 ), 611 ( 5 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ) ( A ) of the FCRA and violation of my consumer and fair credit reporting rights.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - XXXX XXXXXXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- -- - XXXX XXXX XXXXXX/XX/XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- One Main
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX
Product: Debt collection

I am writing to file a complaint against XXXX XXXX regarding their debt collection practices, which I believe to be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I recently received a letter from XXXX XXXX on XX/XX/2024, regarding a debt that allegedly was owed to XXXX XXXX, XXXX, initially owed to Upstart Network , Inc . In the letter, they stated that I had until XX/XX/2024, to respond to the charges. 

However, within just three days of sending this letter, on XX/XX/2024, I experienced what I consider to be egregious harassment by their representative, XXXX XXXX XXXX also using the name XXXX XXXX ). Despite the letter clearly stating that I had until XX/XX/2024, to respond, XXXX XXXX contacted my relatives, seeking information about me. 

When I contacted XXXX XXXX to inquire about this, he explained that they had tried to reach me by phone, and since I did not respond, they resorted to contacting my relatives. During our conversation, XXXX XXXX dismissively mentioned that I was now XXXX XXXX XXXX XXXX because they had called my relatives. I found this choice of language unprofessional and disrespectful. 

I specifically asked why they did not contact me through email or regular mail, as they have my email address and home address, but XXXX XXXX claimed he had already sent an email, which I allegedly did not respond to. I pointed out that the email clearly indicated that I had until XX/XX/2024 to respond, and questioned the need for contacting my relatives. 

Despite my concerns and insistence that such actions are against the law, XXXX XXXX continued to dismiss my objections, stating that I " didn't know what [ I ] was talking about '' and that he was within his rights to contact my relatives. I firmly believe that such actions are in violation of the FDCPA, which prohibits debt collectorXXXX from engaging in unfair, deceptive, or harassing conduct. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX for its violations. I have attached a copy of the letter I received from XXXX XXXX, as well as any relevant documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Ok i filed tjis didute becsuse i called the bank to inquiry bout a previous claim and i was told that it had been paid already and all of the money was taken out the account by XXXX XXXX transfer.so i had to open a claim at that time fo XXXX. I sent the information required and any supporting documents such as police reports. But the claim was quickly denied... i have reopened the claim for re -determination around XXXX to XXXX times since the first XXXX, but each time they reached the same decision in less than XXXXXXXX XXXX. I really decided to ask for their paperwork why they reach the decision that they did and the first time I requested the document they sent some transaction that we're not related 2 they claim so I called and explain back to the claims department and asked for determination again and requested it supporting documents for their decision this time they sent. A paper with just the XXXX XXXX XXXXransfer and that was it.
Product: Credit reporting or other personal consumer reports

I discovered that my student loan account, is inaccurately reported as having XXXX late payments on my credit report. This is incorrect, as I have an approved forbearance on this loan, which should prevent any negative payment reporting during this period. Despite this, the late payments are still reflected, adversely affecting my credit score and financial standing.
Product: Student loan

Took out both private and federal loans. When tried to contact all loan companies ( XXXX XXXX, in particular ) was told I 'd have to pay hundreds of dollars to even start to defer my loan, which I can not financially afford. So rather than working with me on any amount I pay they will not LET me pay anything until I pay a few hundred dollar fee. I ca n't catch up, and they all refuse to work with me. The loan owners keeps changing and have never been able to produce my original promissory notices, which I believe is illegal ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX ran a hard inquiry on my credit report. I called XXXX the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on XXXX 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to XXXX and the three credit bureaus ; XXXX, Equifax and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, XXXX and Equifax is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.
Product: Mortgage

I'm XXXX years old and a XXXX XXXX Veteran. 
In 2012 I was contacted by Wells Fargo to apply for a lower interest rate.I was also contacted by XXXX for a mortgage reduction on another property. I was approved for both AT considerable cost. I recently received a letter from WF about a rate increase coming next month. I contacted them about the increase and they said I signed paperwork to a 7 year arm which will adjust every year thereafter. I WAS NEVER TOLD this was an adjustable rate that they were giving me, I assumed it would be like the XXXX mortgage adjustment which did not cheat me into a adjustable rate. 
WF pretty much told me tough, since I signed papers at closing that showed a rate adjustment in 7 years. I trusted the bank. At closing, it was quickly done by the way, going through a sign here initial here process. Many many pages of documents.

My issue is, WF at no time during their letters and conversations prior to signing, asking me to to accept a lower mortgage rate, they never, ever mentioned it was adjustable. 
Knowing now their past reputation I bring this up. Probably others have this problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below 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 also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXT Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

The keep calling someone who has asked them to stopped, they call a lot on every phone and leave 2 messages on each phone. I have tried working with them but they will not work with me. The final straw was when someone I knew went to pay on their loan and the manager, XXXX, was nice enough to tell him that i was behind and I needed to come pay him or he was going to come to my house. The person he told this to is not a significant other either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt contacting you all to recitfiy you all stop furnishing inaccurate different variations of my name and also stop furnishing addresses that are not mine. I have attatched a copy of my drivers licsense for you all to verify me and a copy of a utility bill. Also I have attatched my dispute so you all can delete all names and addresses that are not mine. I have a right to privacy so you all shoud have only 1 name for me and 1 address for me. I look forward to hearing from you all soon GOD bless.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

good evening, so I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Product: Debt collection

I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX. 

My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us. 

In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating. 

I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected. 

I ended the call after speaking with a supervisor.
Product: Checking or savings account

On XXXX XXXX, XXXX, my check of {$840.00} was returned and I received a return fee of {$23.00}, within the 24 hour grace period. On XXXX XXXX, XXXX, I received a deposit of {$900.00} ( as I do every two weeks in my Huntington account ) that would have  covered the negative balance and cover the check. This is what I thought the 24 hour grace period was for, it is what is being advertised. Once I received an alert that my check was returned, I contacted Huntington customer service immediately and spoke to 3 different customer service representatives. One was very rude and stated it was at the bank 's  discretion whether they would pay the check and allow the 24 hour grace, another stated that the clause about the bank only letting a customer use the 24 hour grace under Huntington 's discretion, was on the  website. Once I told her that I did n't see it on the website, I was transferred to another representative that told me that I was opt out of letting the bank pay the checks, which was not true. He also told me that I would have to go to a branch to get the issue resolved. Once I got to the bank branch, about XXXX when they opened, the banker told me that I was in fact opt in to having my checks paid and the customer service representative may have been confused. I told her what the other representative said regarding Huntington giving the 24 hour grace period, at their discretion and she affirmed that every Huntington customer gets the 24 hour grace period. She also said it was returned as a precaution to protect me in case it was fraud. She said the system may have picked up that the amount of money that was coming out was higher than any amount being withdrawn from my account before. I asked her, if that was the case, why was the check returned and why was n't I contacted immediately. She stated that the system process the checks in the middle of the night, from XXXX to XXXX, and no one is actually working at that time to contact me. She than got the bank 's branch manager. The branch manager stated that even though they advertise 24 hour grace, its only for certain situations. Which is also not told to the consumer during all of the glossy commercials and advertisements of going with Huntington because they are the only bank with the 24 hour grace period. They did refund the {$23.00} fee but would not process the check and the bank manager stated she would contact someone about the advertisement once I said I would be making a complaint with the FTC. On XXXX XXXX, XXXX, I was contacted by a woman from the executive office, she left me a voicemail and I called her back on XXXX XXXX, XXXX. We spoke on the phone for nearly an hour. She stated that she would contact marketing with my concerns. I also requested that I be reimbursed for the fees from the merchant that I would receive because of the return check and she stated that Huntington will not cover those fees. The fees added up to {$110.00} ( {$84.00} for a late fee and {$30.00} for a return check fee )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on XX/XX/XXXX due to the fact there was inaccurate and unverified information on my report. I have XXXX  the FCRA and it states that the company reporting my information has to report accurate information. These erroneous errors reporting on my credit report is hindering me from getting a job. These errors are blatant mistake and should be corrected asap. Your company is violating my rights and want these issures fix now. It has been way over 30 days thats I have disputed. Today mark 60 days and the law states these items need to be deleted. I never gave permission to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX ON THIS CHARGE COMPLAINT TRANSUNION I HAVE A FRAUD ALERT ON THERE I ALSO HAVE A CREDIT FREEZE ON THERE ON ALL CREDIT REPORT AGENCY ALL OF THEM XXXX LETTING THIS CREDITOR COMPANY RUN CREDIT CHECK ON MY CREDIT REPORT TO MY UNDERSTANDING WITH ALL XXXX CREDIT REPORT AGENCY THAT WHEN I HAVE FRAUD ALERT ON THERE AND FREEZE THAT THAT FORCE TO BLOCK ANY CREDIT COMPANY NOT FORCE TO GET INFORMATION ON MY CREDIT REPORT ALL THREE CREDIT REPORT AGENCY TOLD ME NOT NECESSARY THAT WOULD BLOCK THEM WHAT'S THE POINT OF ME ADDING THESE ALERTS AND THEY STILL LETTING THEN RUN MY CREDIT ON TO OF THAT THEY STILL WANT FIX MY CREDIT REPORT THEY STILL WILL NOT BLOCK THEM REFUSING TO CONTACT ME TO VERIFY IF IT WAS ME THEY STILL LYING ABOUT BLOCKING MY CREDIT REPORT FROM THESE CREDIT COMPANIES
Product: Mortgage

In XX/XX/XXXX we had a conversation with XXXX in the recovery department. She discussed a loan account that fell under the bankruptcy law. We told her that we filed bankruptcy and it was discharged XX/XX/XXXX. She still tried to help us make a payment. When we called to make our loan payment of XXXX we were transferred to her and she took the payment. Our regular payment bounced because she sent a payment through of XXXX on XX/XX/XXXX which is the entire loan amount. When we tried to get the issue resolved by the department supervisor and a manager we were told that the issue was going to be resolved. Two days later it posted again. On Saturday I had to get help from the credit union ( a stop payment ). I have assessed fees for that and the returned payment. The supervisor told me that he wasn't sure why our credit union let the payment go through if there weren't funds available. They also sent us a check in the amount of XXXX which we returned. Yesterday I got a letter stating they tried to take the funds again and we need to submit a payment because there was a stop payment on that amount. They are still going by bankruptcy information from XXXX. I was told by XXXX today who also refused to let me speak to XXXX XXXX who I was advised to speak to directly. This has to stop because we don't have that amount for them to take. This letter also shows that they violated the bankruptcy law because the date they last made contact was in XXXX well before the limit of the bankruptcy law would have ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed accounts have been reporting false & inaccurate information on my report for months this is a violation of my rights & has been affecting my credit worthiness. 

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

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX and # XXXX has violated my rights. 

15U>S>C 1681 section 602 A. States i have a right to privacy 15U.S.C. 1681 Section 604 A section@. . It is also states a consumer reporting agency can not furnish a account without my written instruction