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

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : First Premier Bank, Account XXXX Error : Improper account information reported. 

Original Dispute Submission XXXX It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 
I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the XXXX timeframe stipulated by the FCRA. Failure to adequately address my concerns XXXX result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I previously notified Experian that I am a victim of of identity theft. and yet there is still fraudulent information on my Experian credit report
Product: Vehicle loan or lease

In the process of pulling up my credit report online, I became aware of a charge-off on my credit report " paid, charge-off ''. I was not aware of a balance owed on this account as I was not notified of any further information since XXXX. Upon contacting the company, I was told that they no longer hold the debt and it has been sold to another company, which they gave me the name and contact info. I contacted that company and was told that they have no record or account in my name and referred me to yet another company. Contacted that company and again same response. They also do not hold this debt. When I referred back to original creditor, I am being told that there is a notation on my account that there will be no further dealings with myself. They will not give me any further information on this account. I am unable to gather more information to rectify this matter and update my credit report. Again, I have not received any information on this account since XXXX and they will not supply any further information other than what is recorded on my credit report. They have listed this on my credit report in XXXX, four years later, and have no ability to offer any further information. I have hit a wall, at a standstill with no options at clearing up this matter. If this was in fact sold to another company, why are they not giving valid information. I do not believe the information as correct and can not pursue as company has noted in my account, " no further dealings with customer ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

The Fair Credit reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer I have a right to ensure that my private information is not shared. XXXX, Equifax, and XXXX are all consumer reporting agencies. 15 USC 6801 says " 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. '' By definition under this title XXXX XXXX XXXX is a financial institution. 15 USC 1681 section 604 a section 2 says 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 financial institution XXXX XXXX XXXX and consumer reporting agencies XXXX, Equifax, and XXXX DO NOT have my consent to furnish this information. I revoke any and all consent, written or non-written, verbal or non-verbal, and implied from GLOBAL LENDING SERVICES and XXXX, Equifax, and XXXX. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' With that being said, GLOBAL LENDING SERVICES ( The Financial Institution ) never informed me ( The Consumer ) of my right to exercise my non disclosure option. 
15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account/inquiry is an adverse item on my consumer report being reported without my permission, which is AGAINST the LAW. " 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. according to 15 U.S. Code 1681s2 ( A ) ( 1 ).

In accordance with 15 U.S. Code 1681e which 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. XXXX, Equifax, and XXXX are not maintaining these reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I'm in the XXXX plan, which was placed in an administrative forbearance. I noticed a few months ago that interest accrued on my loan even though that was not supposed to happen when students are on the XXXX plan, and it also was not supposed to happen when students were placed into administrative forbearance. My loans went from XXXX to XXXX when Mohela moved from the Mohela website to the Federal student aid website, and then interest just accrued again to over XXXX during the administrative forbearance because XXXX is being blocked in court. That should have never happened. Mohela also sent me a letter informing me about interest accruing on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights, By furnishing incorrect information on my report without my consent. 
I have mailed this agency multiple times concerning this important matter. They have failed to provide verifiable proof and have exceeded 30 day limits. They have violated 15 U.S. Code 1681 B - No Written Consent from the consumer ( myself ) 15 U.S. Code 1681 C-1 - No Consent by consumer is identity theft 15 U.S. Code 1681 C-2 - Consumer Notified CRAs of the errors ( no verifiable proof was sent ) A thorough investigation never took place and I am seeking damages of {$1000.00} and DELETIONs of the information provided in my letter.
Product: Debt collection

I moved out of the apartment complex in XXXX, afterwards they sent me a check for {$130.00}. However I did not deposit the check as I was busy. This resulted in an error in the apartments complex system stating that I had a balance of {$130.00}. I spoke with the apartment complex and they agreed that I do not have a balance and sent me the residential ledger showing that my account was paid in full. Transworld reported this debt to the credit agency without contacting me about this alleged debt. I never received a letter in the mail about this or a phone call. This fraudulent charge negatively impacted my credit score.
Product: Debt collection

COMPANY NAME : XXXX XXXX XXXX XXXX COMPANY # : ( XXXX ) XXXX with many other numbers and extensions COMPANY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Events leading to report : Received a call on XXXX XXXX. The caller stated that they were trying to collect a debt from Wachovia/Wells Fargo. The company that they are with is XXXX XXXX XXXX XXXX. They asked for verification of my SSN and I stated to them that if I owed a debt to them then they would already have that information. To which they replied with my full SSN, home address, and full name. HUGE RED FLAG! I proceeded to tell them, after I DID NOT give any of my information, that I would need a bill/paper trail of any money that I owed and I would need original billing as to why I owed this debt. The account manager then proceeded to get extremely aggressive with me threatening law suits and that they knew where I lived and would be coming after me legally. On top of that, I asked her to calm down and that maybe she shouldnt speak to people in this tone that she is trying to get a debt resolved, to which she replied dont tell me how to do my job and I will for sure see your XXXX in court, we know who you are. All of that was disturbing to say the least. On XXXX XXXX, I received at my home a letter from this law firm stating the amount and original account number from Wachovia/Wells Fargo. I have since called Wells Fargo and there is no such account in existence. Nor do I owe them any outstanding debts. I even have my auto loan with Wells Fargo and it has a perfect record of payments. Please help flag or take down this law firm and their sinister ways and deplorable morals in a time when no one should be having to deal with people like this. Thank you for your time and I apologize for the long statement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I lived in my home for over 6 years I lived in ( Maryland ) all my life and someone used my information to get a apartment in another state I called and the person live in a different address..
Product: Credit reporting or other personal consumer reports

I recently came across an error in my credit report that seems inconsistent with my personal records. It is important to me that my credit report accurately reflects my financial activities and standing. I kindly request a thorough review of the report to identify and resolve any discrepancies. Thank you for your attention to this matterit is greatly appreciated.
Product: Student loan

A lady name XXXX XXXX from GC Services keeps harassing me and my family about my Federal Student Loans even though I told her that I have already went through the Obama Program to consolidate my loans and they should be paid off soon by the consolidation program that I went through. She keeps calling my cell phone and home phone everyday trying to make me consolidate my federal loans with her and her company when I have already consolidated with another company. It 's to a point I ended up blocking the number that she calls from. Then once she figured out that I blocked her, she went and looked up my niece information who has nothing to do with my loans and she is not even a co-signer on my loans either and she called her cell phone asking does she know me, does she have any contact information for me. My niece told her, '' Yes, I do know her and no I am not giving out her information. '' When my niece told me that, I was very angry that XXXX XXXX started harassing my niece.
Product: Credit reporting or other personal consumer reports

It was a huge shock to see incorrect accounts suddenly appearing on my credit report tonight. Ive never seen these before, and I have no clue where they came from. After trying to refresh my browser to see if it was a tech issue, the errors still wouldnt go away. Because of this, Im requesting a detailed review of the documents I submitted so I can finally stop stressing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It makes me wonder why does the Credit Bureaus were unable to remove he disputed items from my Credit report despite the multiple letters and complaint I have been submitting to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information and FTC 's ID THEFT REPORT I received. But despite all these, the Credit Bureaus have failed to comply with the FCRA section 605b which I highlighted on my letters. How many times do I have to inform and remind the Credit Bureaus of their obligation to comply with the FCRA section 605b? I already grew tired to disputing my Credit in a polite manner which leaves no choice but to be aggressive. I have been informing my Legal counsel about my situation and they offered to help me by taking legal action and sue the Credit Bureaus due their negligence. I am submitting this complaint to inform the Credit Bureaus of my intentions and if they still choose to not comply with the FCRA statute, my legal counsel is willing to file a lawsuit. I need the following items removed completely from my Credit File! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Owed : {$10000.00} XXXX XXXX XXXX XXXX Owed : {$730.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was purchased from XXXX XXXX in summer of XXXX and the company that XXXX contracted through was XXXX. Several months after I was unable to keep up with the payments when I had an extended illness, having XXXX twice in 6 months that had a long recovery each time. The company eventually stopped contacting me, they werent reporting this on my credit reports at any agency until a few months ago. Suddenly, after 5 years they are intentionally trying to damage my credit by reporting this on my reports and calling me regarding this old account. This is way outside the collection window.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted Barclay fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


BARCLAYS BANK DELAWARE Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am not able to withdraw my funds and close the account. I get error message and XXXX   refuses to address the issue. I have too many emails to the executives of the company to attach as well as to the help desk.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX to get a new car. I came in with a preapproved letter from XXXX XXXX. I explained to the dealership, I just wanted to work with XXXX XXXX. With out my consent nor approval, the financial department ran my credit. XXXX XXXX called me to verify my identity. I went to the financial department to stop the credit check. The financial department lied to me. They said, ''We ran your credit due to the fraud alert. '' Their system ran my credit report without my consent, authorization, nor knowledge. The financial department then went ahead and cancelled the Credit check. I called XXXX XXXX to check if XXXX XXXX, sent a report to them. XXXX XXXX stated, " NO. '' Ten minutes later, I got a call from XXXX XXXX to verify my identity. I was able to get approved for the car I wanted as per the preapproved letter.
Product: Debt collection

The company responded to me threw cfpb stating that they was removing this debt from SEQUIUM ASSET SOLUTION account # XXXX from all my three credit bureaus because I sent proof that this account is fraud I sent proof of police report and identity theft and this account wasn't removed from my credit report its still showing
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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

I have been paying off my loan through the Rhode Island Student Loan Authority since XXXX, which is when I graduated from the University XXXX. Initially, I was paying $ XXXX/month, which was too much for me to handle, so I requested in XXXX that they lower it. They told me they could n't do that. 
In XXXX, I had to go into forbearance based on my income at the time. When that forbearance term ended, my payment had magically become $ XXXX/month with no indication as to why that happened. 
I found out today ( XXXX/XXXX/XXXX ) that they lowered it because of my forbearance term and that they could n't decrease my monthly payment any further. The person told me that 's because they can not extend the life of the loan behind 15 years. 
Basically, I do n't understand how they could n't lower my payment 5 years ago, but then they magically could a few years later. This is absurd and I can not handle paying $ XXXX/month right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/XXXX On this report Experian has on page 19 under Notices : this address may be perceived as a high risk because it has pertained to a business or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada NV XXXX is now on my report I'm tired of Experian adding things and creating false information as Experian does. Experian does not show on my XX/XX/XXXX this information Report # XXXX this but my XX/XX/XXXX Report shows this. 
I have Requested that also XXXX XXXX XXXX XXXX on Address be Deleted/Removed due to no Number to the apartment to identify the right address. it makes no sense to have a bunch of created address by Experian on my credit file that is no address or correct by Experian. I have hired some one to review these errors and it seems Experian does this on purpose because it was not on the XX/XX/XXXX report but now on XX/XX/XXXX report. 
The person I hired is very aware of this practice by Experian. They keep the past reports as proof to Experian Errors and bad Practices done time after time it seems to be a pattern by Experian.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Money transfers

I purchased a service from them for XXXX, it did not work. I requested my money be returned. The wrong amount of money was credited to my account {$500.00} to much I was to send the excess back to them. Which I did by Western Union, tracking Number available. The amount that was returned my account was no longer in my account. This happened two more times. Their excuse was that I had used Western Union and should have used XXXX XXXX. I did used XXXX the last two times. So I have sent a total of XXXX dollar to them and the {$890.00} that was originally charger to accredit cardis being disupted.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.