23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX CREDIT REPORT COLLECTION ACCOUNT : CREDIT WORLD SERVICE XXXX {$110.00} XXXX XXXX XXXX, KS XXXX THIS IS MY 2ND ATTEMP AN DISPUTING THIS ACCOUNT, I NEVER RECEIVED A THE PROPER NOTICE/ LETTER FROM CREDIT WORLD SERVICE COLLECTION AGENCY.THIS ACCORDING TO " THE CARES ACT '' THEY ARE NOT TO REPORTING TO COLLECTION AGENCY WITHOUT PROPER NOTICE. ALSO ACCORDING TO THE CFPB MUST ISSUE EMERGENCY GUIDANCE ON DEBT COLLECTION DURING THE PANDEMIC " REQUIRE NOTICE BEFORE CREDIT REPORTING '' COLLECTORS SHOULD PROVIDE CONSUMERS WITH NOTICE ABOUT ALLEGED DEBTS BEFORE " PARKING '' THEM ON A CONSUMER 'S CREDIT REPORT. THIS WAS DURING THE " PANDEMIC '' I LOST MY JOB DOING THAT TIME
Product: Credit card or prepaid card

OnmyXXXXXXXX,XXXXstatement,Ihad{$0.00}purchasebalancesubjecttointerest.Therefore,chargesmadebeforemyXXXXXXXX,XXXXstatementshouldhavefallenundertheinterestgraceperiod.InXXXX.Icharged{$89.00}.Yet,myXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.ThisisincorrectsinceIhadaminimumpaymentof{$83.00}andmadeapaymentof{$200.00},thereshouldhavebeen{$0.00}subjecttointerest.

Accordingto12CFR226.53,anyamountpaidovertheminimumisappliedtothehighestratebalance.InXXXXmy{$200.00}paymentshouldhavebeenappliedasfollows:{$83.00}XXXXminimumpayment)tothe0%balancetransferpromotion,{$89.00}topurchasesresultingin{$0.00}purchasebalance,andtheadditional{$27.00}tothe0%balancetransferpromotion.

MyXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$10.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$420.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXX.XXXX,XXXXstatementshows{$1300.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

EverymonthsinceXXXX.Ihavemadepaymentsinexcessoftheminimumpaymentpluspurchasesforthatmonth.Asaresult,Ishouldhavehad{$0.00}subjecttothepurchasesinteresteachmonth.

MyXXXXXXXX,XXXXstatementshowspurchasesweremadeandthepaymentandgraceperiodwereappliedcorrectly.
Product: Student loan

I am having misleading information being provided to me by my student loan servicer Nelnet. I called them on XX/XX/22 regarding my fund of payments I made during the pandemic. They quoted me 4-6 weeks until I get the money back in my account. This is going on week 5 of this, and my balance hasn't even been reflected in my Nelnet account. I have called them multiple times, and they have no updates for me. I have also been told two different things regarding how I was going to be paid back. One person said that it would be paper checks, and another representative said it would be direct deposit. I am tired of this being the 5th week now, and there isn't a single update or anything reflected in my Nelnet account. I also don't like the two different answers regarding on how I am going to be paid back. The chances of my getting my money back within the a little over a week now are highly unlikely if it is being returned via a paper check like I was originally told.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX business days of receipt. XXXXXXXX XXXX  XXXX XXXX XXXX & XXXX XXXX violated my consumer reports on XXXX without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting or other personal consumer reports

I need you to carefully review this complaint, as it is both intentional and urgent. My credit report contains mixed and inaccurate informationaccounts, transactions, and items that I have no connection to. This issue is deeply troubling and has been causing me considerable stress and XXXX. I am extremely concerned about the potential long-term damage to my credit and overall financial health.
Product: Debt or credit management

I have requested my credit report which this company uses credit mojo 3 in 1 report. Ive placed my collection notification I received in the portal. I also was supposed to to receive a report of what was done on each creditor and debt to actions taken to repair or remove. I have never received anything once they had me sign and pay for a new contract. This was the second time they said in order for them to finish the repair. The first contract everything went as promised in the service agreement. The second agreement I received nothing at all. I logged in to the portal and it was always empty nor hadnt had any credit reports or repair details
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert 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 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to
provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunit
y, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

I have received a copy of my report there are an erroneous amount of errors throughout my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX : United Revenue Corp Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX XXXX They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my rights by : ( IAW XXXX XXXX [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.
Product: Credit card

XX/XX/XXXX I called Synchrony Bank about my XXXX XXXX XXXX card to request an interest rate reduction, they denied me. I then requested to be put on their Customer Assistance Plan to close my account, which stops the interest, has no late fees and allows a lower minimum monthly payment until paid off.. They denied me. I explained I've struggled the past 12 months with increasing medical bills due to my XXXX. The company that I order my XXXX XXXX from every 3 months is XXXX XXXX in XXXX, XXXX. They ( XXXX ) are owned by XXXX XXXX and they charge very large fees ( up to {$1000.00} ), I applied for the XXXX XXXX Financial Assistance program and was accepted XX/XX/XXXX, but the XXXX company refuses to honor it and won't send my orders. This is the only company my employers insurance will work with. So when they won't send my orders I have to pay with a credit card. Now I am so far in debt that I can't keep up on my payments, although I haven't missed any payment this year or been late, that's not going to be the case next year.
Product: Student loan

Navient calls every night. I have never had a student loan. I need them to quit calling. When you try to speak to them they hang up.
Product: Credit reporting or other personal consumer reports

I spoke to the property manager and he agreed the statement was incorrect and acted like he had no knowledge of the bill but when confronted he said because he no longer works for the company there was nothing he can do. This account is fraudulent with errors on mail keys I turned in this information is inaccurate it is my right to have this account removed due to error FCRA law 15 USC 1681 this is not acceptable and needs to be removed immediately I can provide email to the property manager I have proof where I reached out.
Product: Credit card or prepaid card

My son purchased a Vanilla Gift card for {$100.00} at XXXX XXXX. When he tried use the card a few hours later it showed a zero balance. We looked up the card and it showed a {$100.00} charge to XXXX XXXX XXXX. My son didnt buy anything there. I called the Vanilla card services to report this. They argued that he did make the charge and then hung up on me. They said I had to wait 7 days and would not remove the charge.
Product: Debt collection

I've asked them to stop bothering me, as well as requested a letter detailing the supposed debt and charges and they have done neither. They keep calling me from different numbers that all have the same receptionist
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Dear XXXX XXXX XXXX, I am writing to formally address a significant violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of adverse information without a permissible purpose, as outlined under 15 U.S.C. 1681 and related statutes. 

It has come to my attention that TransUnion has created and reported consumer information related to my account ( XXXX ) with XXXX without my written consent, in violation of 15 U.S.C. 1681b. The Consumer Financial Protection Bureau ( CFPB ) emphasizes that consumer reporting agencies must have a permissible purpose and obtain proper authorization before furnishing consumer reports. Under permissible purpose provisions, if there is no court order or directive by a court for a consumer report, control and consent lie with the consumer to whom the report relates. Therefore, I demand that you follow my directives on this serious matter. 

Furthermore, under the exclusions section of 15 U.S.C. 1681c ( a ), it is stated that the term consumer report does not include transactions or experiences between the consumer and the person making the report. Additionally, a consumer report must not contain any authorizations or approvals of credit without proper consent. The reporting of negative information related to my XXXX account ( XXXX ) by TransUnion violates these statutory provisions. 

In addition, XXXX is knowingly and willingly violating my consumer rights pursuant to the XXXX XXXX by reporting information to consumer reporting agencies without my permission. 

In light of these violations, I request that TransUnion take immediate action to : Remove XXXX and all negative information reported without my consent from my credit report. 
Cease and desist from reporting any further adverse information related to my XXXX account ( XXXX ) without my express consent. 
Compensate me {$1000.00} for each violation as stipulated for civil liability under the FCRA. 
Please respond within XXXX  days of receipt of this letter to confirm your compliance with my request. Failure to address this issue adequately may result in further legal action to protect my rights under the FCRA and XXXX XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I received many phone calls from this company security systems in regards to a student loan account that was from XXXX college, ( I actually have XXXX accounts, but they are both being serviced throught XXXX, under the united states department of education ) I sent letters, and spoke with XXXX on the phone, I also faxed over the information that this account is serviced under the united states department of education and is being serviced through XXXX, through the wage garnishment department but the phone calls continue, even after i furnished the information to XXXX I wish to have this account updated to have this security credit systems company removed from my credit report, with an explanation and to stop calling me about this XXXX college account. thank you
Product: Credit reporting or other personal consumer reports

I am reaching out for help regarding the false account being shown on my credit report. This mistake has hurt my reputation, and I need your support to fix it. The way you've handled my credit report has left me in a difficult situation, as the incorrect reporting has caused significant damage to my reputation. Please ensure these mistakes are taken off my report.
Product: Debt collection

I pulled my credit report on XX/XX/20 and noticed 09 Acceptance Rentals on my credit report for {$1900.00} ... I do not recognize this company and this account was fraudulent
Product: Debt collection

I get about XXXX phone calls a day from XXXX XXXX XXXX XXXX a XXXX search indocates it is likely a Wells Fargo Collections attempt. ONe voicemail mentioned {$10000.00} balance and some options to pay it off. I do not bank with Wells Fargo and I do n't anybody who does. All of my bills are on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to LexisNexis about the illegally and unlawfully erroneous accounts they are selling to other bureaus. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 
I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.
Product: Debt collection

Dear XXXX XXXX XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being denied for credit because Experian is reporting an unverified account on my credit file and they are reporting it as though it is new from 2020. I have reported this before that Experian is not reporting my credit correctly. They never validated the claim, they just took the word from XXXX. I called XXXX for information and they could never show where I signed for these service or anything with my signature on it. But yet Experian is the only credit reporting company reporting it. XXXX  was reporting it but they removed this same invalidated account. XXXX  followed suit. 

The way that Experian is reporting this account is causing me great harm. Its on the comments of companies saying that I have a serious delinquent. The account Experian is reporting is 6 years old. It's the only negative account on my credit report. 

I have asked for lease with my name on it with the address these services were provided for. Never got it. Experian is the only credit reporting agency that is reporting this address the other 2 companies removed this address because it could not be verified according to the FCRA I sent attachment to show the comment from XXXX, also I have sent attachment to show what I am talking about how Experian is reporting a charge off account with a past due for XX/XX/2020. This is a violation and they know better.
Product: Credit reporting or other personal consumer reports

The information is incorrect and not accurate and No data account number # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not Supplied Proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX. {$200.00}, XXXX XXXX XXXX XXXX. {$5900.00}, XXXX XXXX XXXX XXXX. {$3800.00}, XXXX XXXX XXXX. {$400.00}, XXXX XXXX XXXX XXXX XXXX. {$1000.00}, XXXX  XXXX XXXX XXXX, XXXX. {$320.00}
Product: Vehicle loan or lease

I did a loan with Wells Fargo in XXXX for a vehicle. Loan was paid off in XXXX or XXXX. I went to treasurer office this week to get a duplicate title to sell the vehicle and found out that I couldn't get it as Wells Fargo never released the lien on the vehicle. Now I am being shuffled all over Wells Fargo and its auto attendants trying to get this resolved. WF is telling me I don't exist in their system and I would need to send a copy of my drivers license and social security number to a blind fax number!!! I don't know where this number goes or who has access to the info, and was told there is no one that will answer the phone at that number. How do I know who/where my information is going to? I have a checking account, savings account, and credit card with WF, but they tell me they can not pull up my information that way? What the heck?? Got number to WF consumer loan executive offices and escalated to a manager. She can not find my information either. All I want is to have the lien released so I can get a duplicate title!! ..Why am I having to do all the work on this when Wells Fargo has once again XXXX up?