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

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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

XXXX XXXX Bank is currently showing one late payment on XXXX for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX protected. XXXX is showing one late payment for XX/XX/XXXX which should be XXXX Protected, and Experian is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be XXXX Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with XXXX, Experian, and XXXX they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$5700.00}
Product: Debt collection

This account XXXX in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXXand updating this information onXX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from Portfolio at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report Portfolio indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and Portfolio is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been paid in full and the {$260.00} in late payment fees have been " charged off '' per the rep XXXX who we personally spoke with. 

The negative credit reporting is still showing on our credit report.
Product: Debt collection

I am writing because I have disputed a debt once I received a notice from PERFECTION COLLECTION LLC within 30 days of receiving the notice. They still placed a negative entry on my credit file. They stated that the account was opened in XXXX XXXX which is a lie. 

The company XXXX XXXX crammed the switching of my alarm service even after I had voided out the alarm service contract, did not pay off my previous service contract as agreed, which I had to pay. This account was also part of my bankruptcy filed in XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my disappointment, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is crucial. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$100000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan and have had issues paying it back, one just the economy but also the main issue is that they keep removing the ability to pay online. When I called and talked to a representative I asked about this and she said based on the account depends on the payment options offered to the customer. So they are intentionally making it hard to pay this load. On top of that they have not sent the payoff amount that I asked to be put in a letter for the payoff to me.
Product: Credit card

I made a payment for car services using both my checking and XXXX XXXX. {$300.00} checking and {$500.00} credit with XXXX XXXX. The total was {$1200.00} I didnt have the full balance so thats why I paid in portions. The last {$400.00} payment was declined, ( using one of my other accounts that has nothing to do with chime ) so XXXX said I had to pay in cash and any card payments Ive previously made will be voided and returned back to my account between XXXX to XXXX business days. After a month I reached out several times to both companies and got full proof from XXXX showing my payments were cancelled and the time frame of my return payments sent every receipt and invoice to chime and only received my {$300.00} payment yet my {$500.00} payment keep being denied and its for the same bill
Product: Debt collection

The government paid the full year of rent to these people due to COVID-19 pandemic assistance and they then served me paperwork to have my family evicted right after because they were planning on having that apartment updated even before we moved in. But the corporate office gave us a deal for that apartment instead. I went to the court house and signed papers to move out and not owe any money for anything pertaining to this property. And if they had any problems they were to contact my insurance company that they have us all get. The head office in XXXX  sent me a letter of recommendation letting people know that I did lived there and owe no money, along with XXXX county court house, and the XXXX state courts. This all took place in XX/XX/2021. All documents are in the XXXX  courts
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account My social security number has been compromised from the socail security breach that occured in 2024 access to the XXXX XXXX XXXX.
Product: Checking or savings account

I used a mobile check deposit to deposit a check I received from XXXX XXXX XXXX XXXX. The money was from a vehicle that I let go back to them. They auctioned off the vehicle, and the money they received at auction paid it off in full, and I had a surplus amount they issued back to me. ( This whole process took months to complete ). The check was for {$3000.00}. When I first deposited the check on XXXX XX/XX/year>, they didn't give me immediate access to the funds, and I was fine with that. After XXXX hours, they gave me access to {$220.00} in funds. By XX/XX/year>, I had access to all the funds. I used it to pay bills and buy some things at XXXX. Then, on XXXX, they froze my account and blocked me from logging into my online account, and when I called, they did not explain why this happened other than the deposit was under review. Also, on XX/XX/year>, my son 's survivor 's social security benefits were deposited ; he is XXXX. They have those funds frozen as well. He has been getting his ss payments sent to that account for a year. Today, I tried contacting the executive response team, and they said it would take 15 days to investigate. They have all my money frozen in the world ; 15 days is unacceptable. They haven't even told me why this is happening. I need my account unfrozen immediately. Citi Reference Number : XXXX
Product: Student loan

I have called Navient multiple times to reduce my student loan payment on my signature loans. Every time I call I get the same old they can not lower my payment and my payments keeps increasing. The interest rate is insane. They really make it unaffordable
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XX/XX/year>, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I specifically requested investigations into the following entries : XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 
To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 
However, despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/year>, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 
Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with XXXX response, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Debt collection

ACCOUNT NAME XXXX XXXX XXXX options Account # : XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Student loan

XXXX XXXX I consolidated my student loans. Prior to the consolidation I was on the SAVE plan. At the time of consolidation ( within the same application ) I selected to be placed again on the SAVE plan, once the consolidation went through. Both the consolidation application and the SAVE application show as received and 'in review ' on student aid.gov, and I was informed that my payments would be $ XXXX when I applied. 

On XX/XX/XXXX I received a letter in the mail from MOHELA stating that my payment would be due soon and that it would be {$370.00}. They had placed me on the " Level '' payment plan ( not income driven, which I qualify for and NEED ). The letter was backdated to XX/XX/XXXX and my payment was to be due mid XXXX ( less than 3 weeks away ). 

I called MOHELA immediately and was told that they had never received my SAVE application. I was instructed to reapply to SAVE. I did not follow through on this because I wanted my application date to remain the original date, as I was aware of the current court cases involving SAVE. I let the agent know that I would reach out the the federal student aid department. 

Immediately after the call to MOHELA, I went to studentaid.gov and spoke to a representative via chat. I was told that their records show my SAVE application is recorded as being sent and received, and that I should not reapply. I was told that I just needed to wait a little longer for it to be processed. The representative told me that MOHELA should have placed me in forbearance until the SAVE application had gone through. I called MOHELA back and passed along this information and the new representative knew what I was talking about and placed me into administrative forbearance. 

Fast forward to today. It is XX/XX/XXXX and my SAVE application still has not gone through. My account with MOHELA shows that my payment is due again soon, with the forbearance ending in 15 days. 

XX/XX/XXXX I placed a call to Federal Student Aid to check on the application status. I was told that everything looked good on their end. They confirmed that they for sure had sent the SAVE application ( at the same time as my consolidation application ). The agent confirmed the date the applications had been sent and that my payment amount should be less that {$200.00}. She reiterated that the problem is on MOHELA 's end and it's something they need to correct. Following the phone call I sent a message to MOHELA, and I have yet to hear back. 

During this time, since my account is not placed in SAVE, the way my interest accrues is handled differently and the possibility for the months in forbearance being included in my IDR count is not likely. I am being hurt financially by their inability to process paperwork in a timely manner. Please help me, I just want to be placed on the plan I was approved for during the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX numbers have violated my rights.

15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

On XXXX/XXXX/15, I received information from a credit monitoring service noting that on XXXX/XXXX/15 and XXXX/XXXX/15, Check City XXXX, in XXXX Utah had opened XXXX accounts under my name and personal information. XXXX loan is for {$700.00} of which I did not authorize as someone fraudulently obtained my personal information including SS # to open an account. On XXXX/XXXX/15, I sent a fax to Check City XXXX asking them to investigate this issue and advise how me may resolve this matter since my information was fraudulently obtained. Included in my fax was copy of my MA Driver 's license to prove my identity. I did not hear back from Check City XXXX and on XXXX/XXXX/15, I called this establishment and had to leave a voice-mail message outlining this issue since no one answered the phone. To date, I have not heard back from Check City XXXX either by verbal or written communication. Clearly, my identity has been compromised and accounts established using my name and SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any accunts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00}
Product: Debt collection

I have received multiple calls from Credit Management collection agency before XXXX. When they call they immediately ask for my address which I refused to verify at first because they didnt even give a company name. I informed them at that time to mail me whatever they were calling about because I wasnt comfortable randomly verifying my information over the phone. I saw them on my credit report and contact them immediately to inform them that I did not owe anything to the original creditor XXXX. I also provided them with proof and disputed with the credit bureaus and it was removed. Im still getting calls, even this morning at XXXX. I asked to speak with a supervisor and was placed on a silent hold at XXXX until I finally hung up at XXXX. I called back and asked to speak with a supervisor and was told they were on calls. I tried explaining to the representative that answered what was going on and they became very rude saying We can call as early as XXXX. I informed the representative that it was a violation and calls could not be made until XXXX of the time zone the debtor is in and that I myself had been a collections supervisor and that Im pretty sure that law had not changed but I was hung up on. Im exhausted with the harassment from this company. I have yet to receive any correspondence from them as I requested of them to have for my records.