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

Experian online service will neither display a credit report nor allow me to freeze my credit. I've tried several times over the last several months, including today, XX/XX/2021. 

Experian requires payment of {$19.00} per month to display my credit report or freeze my credit, which goes against spirit and letter of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

on XXXX my mortgage company NewRez LLC paid insurance premiums to XXXX XXXX which is not my insurance for my house. NewRez said i must have authorized it, which was a lie. I called XXXX XXXX and found out it was not even my address or name on the account that was paid. They have returned the money to NewRez and both are saying it is the other ones mistake of course. The money has been cashed by NewRez but still waiting for them to put the money back in my escrow account. I do not want this to happen again or to some one else. I have been told it is my fault figure it out. I have tried and just want some one to explain how it happened and do not let it happen again.
Product: Student loan

I moved out of California and i forgot that i called NELNET to talk about my student loans. I asked for basic debt validation, the master promissory note.

The Rep kept beating around the bush, basically saying he doesn't have it. I know they don't because they sold it years ago ( received original loan in 2014 ). Dept of Education sold the debt without my permission to NELNET after they wrote it off. greedy companies made money off me so many times because I was not aware this was not a loan but a CASH ADVANCE TRANSACTION, They deceived me and had me sign a contract i didn't understand at XXXX years old. these companies benefit off of my negative credit and that's not fair. since this company can not produce basic validation, this needs to be removed ( Please send securities to my XXXX account ), & report to all credit reporting bureaus, report paid as agreed and remove any and all negative items off my report. I want to be compensated since its been months. since we spoke i was denied for XXXX cards. 

How much more SERIOUS physical, non-physical, emotional or mental harm do i have to endure by these company bullying and deceptive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
Credit Bureau has failed to respond within time limited by law. 
1. I have never been late with payments on this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Debt collection

To whom it may concern, This is a two part complaint against both parties involved. This complaint is against Credit Management Company. <P/>According to my credit report, on XX/XX/16, Credit Management Company opened an account for an amount of {$420.00}. They have the original creditor listed as XXXX XXXX XXXX XXXX. <P/>1. ) I have no idea who XXXX XXXX XXXX is. 2. ) I am completely unaware of an amount of {$420.00} 3. ) I 've never received anything in writing from Credit Management Company stating they had my account. Nothing was ever sent to me in writing showing who/what this is for, a balance breakdown, nor an option to pay before it was reported to the credit bureaus. <P/>I received a phone call from Credit Management Company and that 's how I was made aware of the debt. <P/>XXXX is the representative that I spoke with and he confirmed the account was from XXXX XXXX XXXX XXXX  and for {$420.00}. I advised him that I do n't know that creditor. He had to place me on hold to further research and came back to say that the balance is from XXXX XXXX XXXX XXXX XXXX. Since the creditor name and balance did not match, I requested that he send me proof of ownership and he advised that I would have to speak to the original creditor to get that information. <P/>I called XXXX XXXX XXXX XXXX & spoke to XXXX XXXX who advised that account was sent to a collections agency for {$290.00}. She was n't able to send me original documents confirming my debt but she did send me a " payoff '' letter to my email stating that {$290.00} was the balance & if I paid it off that they would update my credit files. She explained that the credit agency should not be reporting a different amount than what they sent. <P/>The address listed for XXXX XXXX on my credit report is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX There are multiple discrepancies with this account and creditor. <P/>1. ) They are reporting an inaccurate balance.
2. ) They are reporting an inaccurate name, address, account & phone number of the original creditor. <P/>Both XXXX XXXX XXXX XXXX and Credit Management Company are reflecting a balance on my It is illegal to report inaccurate balances and illegal to have inaccurate information reflecting on my credit report. It is illegal for them to decline my request for proof of ownership and to refer me back to the original creditor. <P/>Both XXXX XXXX XXXX XXXX and Credit Management Company are reflecting an active balance on my credit report so points were deducted from my credit score twice for what 's to be one account. I 've tried contacting both parties are neither took accountable in removing one of the accounts from my report. They both kept referring me back to the other party. <P/>Reporting inaccurate information alone, is grounds for dismissal. I filed a dispute with XXXX as well and the representative said that nothing is matching on their end either. They could n't fine one similarity that showed it was duplicate record. <P/><P/>RESOLUTION : This needs removed in its entirety from my credit report.
Product: Debt collection

I CONTACTED BANK OF AMERICA AND ASKED THEM TO SEND ME INFORMATION ON THIS DEBT AND I WAS TOLD IT WAS SO OLD THEY DON'T HAVE ANY INFORMATION. I WANT THIS COMPANY TO EITHER SEND ME THE INFORMATION I AM ENTITLED BY TO LAW OR REMOVE THIS FROM ALL CREDIT REPORTING AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, Hancock XXXX XXXX ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.
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 Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!
Product: Credit reporting or other personal consumer reports

The original source documents were requested for verication through physical validation, however Experian and XXXX XXXX failed to provide any such proof. This account is being reported fraudulently and in violation of FCRA, FTC, and the Sherman Act of 1890. The original creditor has failed to perform and continues reporting in error through misleading and deceptive practices. Section 5 of the Federal Trade Commission Act ( FCT ACT ) ( 15 U.S.C. Section 45 ) strictly prohibits unfair, deceptive, false, and misleading acts or practices, representations, and omissions that mislead or are likely to mislead the consumer, and that are material in or affecting commerce to include dealers, banks, servicer 's and or depositors. XXXX XXXX has failed to provide proof that the account is not an investment, or futures security thereby constituting a Trust Agreement and is not a contract. XXXX XXXXXXXX XXXX failure to perform violates the Sherman Antitrust Act of 1890 which is punishable by criminal offense.
Product: Debt collection

This company owes me nearly {$3000.00}. They garnished nearly {$8000.00} of my wages for {$5000.00} debt, which I dont believe I owed, starting from last year to this year. I tried contacting on multiple occasions, but they never responded. Please help me to get my refund back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this information I unfamiliar and unauthorized inquiries that at reporting on my report. 
Here is a list of unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also aloud repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

The car company I have is credit acceptance I told them that I could make the payment the payment were too high I told them several times to come get the car the police repossessed the car because of the tolls I told them that the price they set was too high the car place that did the care loan was XXXX XXXX she scammed me out of XXXX for down payment and credit acceptance knew I couldnt pay it was too much .also since I had the car it had many problems and I keep taking my car back and court and telling the bank they did nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have the rights under 15 USC. 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous of. times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX, XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX, XXXX ( Finance ) XXXX XXXX, XXXX, XXXX XXXX ( Bank XXXX XX/XX/XXXX, XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a wrong and unauthorized inquiry showing on my credit report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave EQUIFAX any written consent to report anything to my consumer report. No Consent is identity Theft. A copy of the law is attached with this dispute letter. 

With that being said, I the consumer contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Id number-XXXX ) which is the dispute center representative and the XXXX which is XXXX ( id number-XXXX  ). They both stated on a recorded line that are not deleting even with the laws presented to them. Equifax failed to comply with requirements of 15 U.S.C 1681b and responsible for an individual action/violation. I am sending dispute letter with the laws attached. Im requesting {$1000.00} for failure to comply. 


Under 15 U.S Code 1681n Civil Liability for willful noncompliance ( a ) IN GENERAL Any person willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer in an amount equal to the sum of_ ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Concerning the accounts listed below as a consumer Im demanding a deletion of this accounts.

Youll must delete these accounts within 4 days after receipt under 15 U.S code 1681c-2.

INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints and have even gotten the dealership involved at this point. I have read multiple complaints via the XXXX  and I know I'm not the only person XXXX  has taken advantage of recently. One credit agency has seen through XXXX  faulty claims and has corrected my credit file. The other two need to as well or I have no problem getting my lawyer involved. I have previously included multiple documents. I am including what is new at this point. 


I ended my lease early because the dealership wanted my car back. The dealership agreed to pay the amount left on the lease. They didnt do so in a timely manner. Payment was due in XX/XX/2020, the dealership didn't pay it until XX/XX/2020. They DID pay it after numerous attempts on my part. My credit should not have taken such a terrible hit due to their late payment. XXXX has been sent a letter from the dealership themselves stating that this was in NO way, shape or form my responsibility or my fault. I no longer had the car and had signed over everything to the dealership in XXXX. I am including a document that states the dealership was supposed to pay in full what was owed as well as a letter from the dealership stating that it was entirely their fault. 
XXXX also falsely claimed they weren't sending late payments to credit agencies during this Covid 19 pandemic. So even if this were my fault, they have fully taken advantage of covid 19 to hurt a lot of peoples credit. It is a terrible business decision on their part and one that will result in numerous lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX data breach may have got into the hands of the wrong person.
Product: Checking or savings account

I have called WF several times to gain information on my checking and savings accounts to verify that both accounts were not affected by the opt in issues caused by fraudulent bankers meeting sales goals. I believe both my checking and savings accounts had add ons added to them since their inception and would like a reviews of such accounts. Also the savings account I believe was closed without my knowledge.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.
Product: Student loan

My grandmother and I took student loans out in XXXX thru AES. Which was National Collegiate Loans, XXXX XXXX XXXX, XXXX, it has been many different things. My grandmother passed away in XX/XX/XXXX. I did not have the paperwork and was unsure how to proceed. I filed bankruptcy around the same time and AES told me to hold all payments once I notified them. During that time my loans were turned over to a collection company. They would not talk to me during that time due to the bankruptcy. My bankruptcy was resolved in XX/XX/XXXX. At that time I reached out again and asked why the accounts were sold to collections. I was told because they were delinquent. I sent my grandmothers death information in and a consumer advocate was supposed to be working with me. I have sent many email in XXXX, XXXX, and XXXX and never gotten any responses. I called the XXXX and the gentleman was very rude and made me cry. He told me my account was turned over because I filed bankruptcy and that is why it is in default and I could pay the whole amount or a smaller amount. That the account would remain in default the entire time until I paid it off. I filed bankruptcy in order to rebuild my credit and this is counterproductive and not a fair practice if I was continuing to pay on them. I am not sure if I need an attorney or what to do at this point. I cant get anyone to help me and no one wants to work with me to resolve this in any way. I do not think they should have been transferred to default when I was in bankruptcy and if it was not for delinquency why was I never told any different until now? I cant get the same information from anyone and no one is willing to actually help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.
Product: Debt collection

On   XXXX   XXXX  2017    I sent o ut a request for debt validation to the company AARAGON COLLECTION AGENCY in regards to ac counts  XXXX  and  XXXX  ( letter attached ). I have yet to receive any correspondence in regards to debt validation I disputed this company with all   XXXX    credit reporting agencies  as " no contract unknown debt '' I am in no legal binding contract with AAROGON AGENCY and I requested that the accounts be deleted or debt validation be provided. The have removed one ac count from my  XXXX  report but both accounts should be removed from all   XXXX   credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.