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

Under the Fair Credit Reporting Act XXXX Account, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, 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 : A consumer reporting agency can not furnish an account without my written instructions. These two XXXX XXXX accounts are showing late payments That are hurting my credit scores
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, New York XXXX Previous Address : The following previous addresses are wrong : EMPLOYER - XXXX XXXXXXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - SELF EMPLOYED- The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Debt collection

XX/XX/2019 Re : XXXX & Portfolio Assoc collecting agency Dear  Sir/Madam : XXXX & Portfolio must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX credit council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.
Product: Credit reporting or other personal consumer reports

Equifax is reporting my name wrong and I have written them multiple letters with a copy of my social security care and utility bill and still they refuse to correct my name : Correct : XXXX XXXX XXXX Incorrect : XXXX XXXX XXXX XXXX I have made multiple requests for removal without proof that I gave permission to share my information and there has not been any activity to rectify the issue. No proof that I gave permission nor removal, per 15 U.S.C. 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Changes were made to account on fees. Supposedly one email was sent on fee changes. Card holder agreement that is readily available on account to download states the fees of {$49.00} but it is now {$79.00}. There was no other information on online account stating changes. Only one email. Like I stated early I can go online and view my card holder agreement and it still stipulates. {$49.00} not XXXX company refuses they are in the wrong. Correct Information on account fees needs to be readily available to consumers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted a {$20000.00} payment to EdFinancial to start paying down my current XXXX  school loans. They took the money out of my account but only applied around {$4500.00} to one of my two XXXX school loans. The rest of the money has not been applied and mysteriously disappeared. Not only that. They deleted the place where it would show in " recent payments '' .I do have a screenshot of the recent payment before they deleted it. I also have a screenshot of the money being taken out of my bank in a bank statement as well as a screenshot of a payment confirmation that EdFinancial sent me through email with a payment confirmation number. They have basically stolen {$15000.00} from me at this point because they have not provided me insight as to why {$15000.00} out of my {$20000.00} payment towards my XXXX loans went missing. I have tried emailing them as well as calling them with ZERO answers. I would appreciate some help with this issue and if there is any more information needed from my end, I am open and willing to provide that information. I appreciate your time and am hoping you can help me get this situated because {$15000.00} is not a small amount of money to go missing in thin air.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX of XXXX XXXX, they ran my credit more than one time. I emphasized that I didn't want my credit ran but one time. I talked to some in in the finance dept and she said there's nothing she can do. 
the list is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to get a bankruptcy off my credit report with Equifax and the refuse to remove this item, this matter is affecting as far as applying for credit this haves been going for 90 days .I have in send in all documents from XXXX XXXX, and Bankruptcy  court and my own request letter. They are the only company with this fraudulent information and this is against consumer rights. And as far as XXXX they refused to remove fraudulent inquiries.
Product: Vehicle loan or lease

I paid off all fees due to get my vehicle back which I did get back ( the vehicle ) in the month of XXXX. I was told it would be 3 weeks for a title flip even when they read their terms with me it said the same thing. It's been 6 almost 7 weeks and they refuse to do the title flip. I'm paying for a car I can not drive as the registration is expired. Every time I call they say XXXX will contact me back or she's stepped out the office. I've called at different hours on different days and have been given that same response. It's causing high stress as I need my vehicle. I am paying for this vehicle. I paid all fees and still XXXX who handles the title flip refuses to contact and update me on the title flip issue. I regret making the choice of purchasing this vehicle with these people. Not to mention when I paid for XXXX they took the money and paid for " miscellaneous fees '' as they called it, I didn't authorize that.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccurate and damaging information contained in my credit report. A recent investigation has revealed numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to ensure are reported accurately. 

This negligent reporting has caused severe distress and XXXX, as I rely on my credit report for financial stability and opportunities. It is unacceptable that your agency has neglected its duty to ensure that all information reported is 100 % accurate, as mandated by the Fair Credit Reporting Act. 

Furthermore, it has come to my attention that the accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which stipulate the requirement for 100 % accurate reporting. This blatant disregard for federal regulations can not be tolerated.

Attached are copies of all previous correspondence sent to your agency regarding these inaccuracies. I demand that immediate action be taken to correct these errors and ensure that my credit report is accurately and fairly represented. 

Failure to comply with this demand will result in further legal action, including but not limited to, filing complaints with regulatory authorities and pursuing civil remedies. 

I expect a prompt response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX charge for {$17.00} - credit card alerted me via text and I confirmed fraud On XX/XX/XXXX {$290.00} and {$29.00} same vendor ( XXXX XXXX ) alerted fraud, requested new card On XX/XX/XXXX {$290.00} and {$2900.00} XXXX XXXX ( XXXX XXXX  ) called was told auto payment from this fraudulent vendor now hitting my new card. Requested all auto payment stop On XX/XX/XXXX same vendor {$290.00} and {$2900.00} charged On XX/XX/XXXX same vendor {$290.00} called to request- again a stop to this nonsense, and requested new card was told the original stop to reoccurring payments on my card was not done correctly, and now it was ( this is now card # XXXX ) On XX/XX/XXXX same vendor {$44.00} on XX/XX/XXXX same vendor {$290.00} Called on XX/XX/XXXX clearly nothing helpful is coming out of the credit card fraud department and I now think this is a clear failure of their fiduciary duty to me for protection against this XXXX. Demanded to speak to a manager- only was provided first name of XXXX and she told me both previews time to stop reoccurring charges were done wrong, but she knows how to do and would fix. Also advised me of the {$44.00} and told me would reverse this charge. 

AT NO TIME during any of the 6 plus calls did anyone advise to dispute in writing. on XXXX received monthly statement with balance due. I have not made a charge on this credit card since XX/XX/XXXX. I can not contact customer service as I don't know what new account # this falls under as it keeps changing ( we are now under card # XXXX ) on XXXX also mailed letter to formally dispute all of these charges- under the 60 days the very small writing on the back of my statement provided. 

Any assistance to help force these people to take responsibly in permitting my card to be used over and over again, fraudulently, with their knowledge is going to be me with my many thanks.
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a new lease on a new XXXX Nissan XXXX ( effectively ending my lease on my XXXX Nissan XXXX early, i.e. maturity date XX/XX/XXXX ). On the same date ( XX/XX/XXXX ), XXXX XXXX told me orally & in writing that I would not be responsible for the last payment on my XXXX lease ( {$370.00} ) as they were purchasing the vehicle. In a letter dated XX/XX/XXXX, Nissan Motor Acceptance Corporation has declared my " XXXX '' account in default.
Product: Student loan

I have a private student loan with Wells Fargo and I paid the loan faithfully for 4 years. The loan started out at about XXXX, and only reduced to XXXX after 4 years of payments at {$250.00} a month. I received a forbearance when I was enrolled in school for 6 months, then I was informed that my payment was increased to $ XXXXmonth. I called Wells Fargo numerous times in an attempt to resolve the issue and come to an affordable payment option but I was unsuccessful. I am in default at this time due to an inability to pay and lack of assistance on their end.
Product: Debt collection

I have disputed this collection previously and have not received validation of this debt. I am taking further steps to verify that this debt is accurate.
Product: Mortgage

I have closely monitored this loan modification with UWM that was signed and executed around XX/XX/XXXX. As of XX/XX/XXXX, I was informed that the loan has started to update on the UWM dashboard login page. On XX/XX/XXXX, in accordance with the instructions to request an off-schedule escrow analysis when the loan modification was completely updated in the system, I have called the UWM general customer service line and they refuse to grant me a new escrow analysis. I have followed the instructions provided by UWM corporate counsel ( attached ) and requested the off-schedule escrow analysis and would like this to be granted so that my payment can be accurately calculated.
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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : {$140.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$270.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX : - XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Bal : {$320.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Bal : {$2700.00} XXXX. XXXX Account Number : XXXX Bal : {$15000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Mortgage

XX/XX/XXXX Wells Fargo Customer remediation, XXXX XXXX Iowa Sent a check XXXX XX/XX/XXXX Wells Fargo Customer Remediation XXXX These checks were made out to my deceased Parents who originated the purchase loan from Wells Fargo 28 years ago. Upon My Parents death I became a Successor to the XXXX loans in XXXX. 

The checks should have been issued to my name however it wasn't and I have been working with the Wells Fargo remediation tirelessly to since XXXX ( 3 months! ) to have these checks rightfully re-issued in my name. 

These funds are to be used to pay the amount in default on my parents loan. The mortgage has now gone into default over the last 3 months of these funds being held bye Wells Fargo.
Product: Credit reporting or other personal consumer reports

Mortgage was transferred from XXXXXXXX XXXX to XXXX effective XX/XX/year>. Approximately XXXX days later, my XXXX XXXX was negatively hit by a XXXX point decrease. Having pulled a copy a my report, it appears the TransUnion has decided me as the consumer is somehow responsible for these companies ' transactions. 

Additionally, I understand this is a common practice of the credit bureaus and most consumers are not aware this is being done. 

Bottom line, I want my points back and I want them to stop doing this.
Product: Checking or savings account

I had an account with Keybank. Inexplicably, Keybank blocked access to my funds for over a month before finally releasing my funds in full and closing my account. Zero fraudulent activity occurred. I have been having difficulty opening a bank account and I recently learned that Keybank reported me for " checking account fraud. '' Zero fraud occurred, I never had a single returned transaction or anything of that sorts. On the other hand, Keybank froze my money for over a month for no reason at all, so who exactly is the one committing fraud? 

I also had a safe deposit box at Keybank. I should have received a prorated refund, but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX times through the dispute option on all my credit reports to remove XXXX XXXX x XXXX XXXX late reports from XXXX, the Ed/Gov funding for college loans from my reports. On my credit report under derogetory information it shows late payments XXXX late payments for each account. XXXX been on loan deferment since XXXX. On my list of accounts in good standings it shows never been late. I need these deleted so I can find a new apartment and get phone service.
Product: Credit reporting or other personal consumer reports

There is XXXX inquiries on my credit report where there was no service rendered or contracts made. 
I am asking that they be removed because they are hurting my XXXX XXXX for a service I never received. 
Under the federal trade Consumer Bill of Rights President John F. Kennedy introduced this concept in 1962 to promote four basic rights for consumers : The right to safety The right to be informed The right to choose The right to be heard Federal Trade Commission Act This act gives the Federal Trade Commission the power to : Prevent unfair or deceptive practices Seek relief for consumers who are harmed Establish rules to prevent unfair or deceptive
Product: Debt collection

This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt.

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report
Product: Checking or savings account

We opened a fraud claim with US bank because someone cloned our debit card and used it to withdraw over XXXX dollars from multiple ATM 's we also opened an investigation with our local police department to get the footage from ATM 's so Whoever is responsible is charged accordingly. After providing this information to US bank, our claim was denied for what they said was because of " our spending patterns '' it was assumed we had done the withdrawals, when in-fact, we have never withdrawn money from the ATM over and over like the person who had fraudulently done this over a three day period. Dates involved- XX/XX/year> thru XX/XX/year>. Our debit card was used at multiple ATM 's 14 times to withdraw the same amount of XXXX dollars. After contacting the bank and sending them a copy of our police report, our claim is still inactive and we are getting zero updates from the bank unless we call ourselves. We feel that our bank has not helped us resolve this matter in any way. We have bills to pay, kids to feed, and medical expenses that we are unable to pay. We are very unhappy with the care and service this bank has provided us at this time.
Product: Credit reporting or other personal consumer reports

I called all three companies, XXXX, transunion, XXXX and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report. 
The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.
Product: Debt collection

PLUS FOUR representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amount {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a formal dispute letter addressing inaccurate and unproven derogatory information on my credit report and kindly request a thorough review and correction in accordance with applicable regulations.
Product: Prepaid card

I have not received my pay check that was direct deposited into my rush card account. I have not been able to provide for my children and my bills are mounting up. I need my money so that I can provide and Rush card has kidnapped and is still hold my money that I worked for as hostage. Please help ..I am in a bind. I will never use Rush card again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The accounts listed above has been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and i am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts, and i have taken steps to resolve this matter, including filing an identity theft report with the FTC. Under 15 U.S.C 1681c-2, the Fair Credit Reporting Act ( FCRA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation, and any fraudulent information must be removed from their credit report. As I have filed a formal identity theft report, I am requesting that you investigate these accounts thoroughly and remove it from my credit report. I also asked that this be done in a timely manner do it affecting my credit score and livelihood.