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

I sent a letter addressed to the XXXX, Equifax and XXXX Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX, Equifax and XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$870.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITICARDS CBNA - XXXX is an authorized user account that needs to be removed from my credit report.
Product: Credit reporting

My credit report is showing a sync XXXX credit card which I do now own or have in my possession. This is not a card which I own or use and do not know why it is showing on my credit report.
Product: Student loan

Hello, I have been having issues with Nelnet, my federal student loan servicer for several months now. On about XXXX or XXXX occasions since the beginning of this year, Nelnet has failed to apply my standing special payment instruction to how my auto-debit loan payment of {$350.00} was to be applied across my loan groups. In XXXX of the instances, when I called Nelnet, they informed me that because I had not caught their error earlier, there was no way for them to reallocate the payment, and that the fix would only be effective for that current month, not the prior month that was also at fault. Since XX/XX/2023, I have spent approximately XXXX minutes ( almost XXXX hours ) either on hold with Nelnet or on the phone with their customer service to try and correct these issues. Every time I call they apologize, say they have fixed the issue and to call back in XXXX to XXXX business days. Only sometimes the issue is fixed and eventually it breaks again. Once when I called back after the XXXX business days, the agent said the other agent I had talked to almost a month before hadnt actually fixed anything and there wasnt anything they could do for that payment ( XXXX payment ). 

Currently the following months payments were not allocated correctly in the past 6 months. 
XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly I even switched from my legacy special payment instruction to their allocate extra by percentages option to avoid any issues with the legacy option and people having to manually allocate the payment. I have been told that since I am paid ahead almost a year, that the allocate by percentages would split my {$350.00} payment as follows across my loan groups every month automatically. It failed to work and I dont know if I have it in me for another hour to XXXX hours wait on hold. Additionally, the estimated time on hold call out on their phone system is broken so it just says you have minutes on hold while also stating you have over XXXX wait. I tried this past Monday and gave up after XXXX minutes. 

Note that the original payment instruction before all these issues had been in effect successfully since XX/XX/2023. It was only starting around XX/XX/2023 that Nelnets system started breaking down and my payments started being allocated to singular loan groups against my wishes. 

I have also made several manual payments in this time period only to make sure all the loan groups show as having a payment applied to them so that when the loan status are reported to the credit agencies, even though they are paid up over a year ahead, that Nelnet doesnt go and report me not having made a payment for the month in question which has been rather stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Ref : XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the unauthorized and inaccurate reporting on my consumer credit report. This complaint pertains to the account reported by DEPT OFEDXXXX, with the following reference numbers : XXXX and Equifax - XXXX ; XXXX - XXXX. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and the Privacy Act of 1974. In accordance with my rights under these statutes, specifically under the FCRA and 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ), I am hereby officially revoking any and all consent previously granted to XXXX, Equifax, and XXXX for the reporting of this account. This revocation includes consent in any form, be it verbal, non-verbal, written, implied, or otherwise.

Moreover, I am exercising my right to opt out of reporting services, as stated under 12 CFR 1016.7, which affirms that " A consumer may exercise the right to opt out at any time. '' I demand that this account be removed from my credit reports immediately, as its presence constitutes a violation of my rights and has potentially damaging implications for my financial standing.

The inaccurate reporting of this information has caused undue stress and could lead to significant negative consequences for my financial health. I request a thorough investigation into this matter and the prompt correction of my credit report. 
Please acknowledge the receipt of this complaint and inform me about the steps you will take to address this issue. I expect a timely resolution and an updated credit report reflecting the removal of the aforementioned account. 
Thank you for your attention to this important matter.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX This is a cease to exist order. These accounts must be removed immediately being that they are fraudulent and inaccurate. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


I have hired a lawyer and fraud speciiast to now look at my reorts. I have frozen every report on all 3 credit bureaus. Im really taking a hold of my credit now being that I see the power. These accounts are fraudulent and were unauthorized in my name. PLease remove these asap. 


XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. TransUnion/XXXX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Correction of Credit Report Information Dear XXXX, TransUnion, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with XXXX XXXX XXXX XXXX. 

Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry.

I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late.

The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ).

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments.

Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies.

I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that XXXX XXXX XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. 

In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. 

Your prompt attention to this matter is crucial, and I trust that XXXX, TransUnion, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. 

Done in good faith.
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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US BANKRUPTCY COURT XXXX XXXX XXXX Account/Reference # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am taking action to dispute and investigate these accounts, as they are incorrectly reported on my credit file. Based on the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry on my credit file. I know that FCRA 605B necessitates reporting any inaccuracies on a consumer 's report.
Product: Debt collection

Hello CFPB, I am sure you guys understand the tough situation we are all going though right now, last week we were doing totally fine, 2020 was looking good to me but this week everything changed for the worse. This week I lost my job due to the corona virus issue. 
My employer told me to go apply for unemployment, but unfortunately the benefit wont be enough to cover my monthly expenses.I am stressed, overwhelmed, don't know how I am going to feed my family for the next weeks/months. I don't know what to do. 
I decided to check my credit this week to see my credit lines and see if I can depend on the money if we get to an extreme situation. 

I was heartbroken to see that there was a collection account from a Commonwealth Finance for {$920.00}, I do not understand where is that account coming from, I have been working so hard for the past 5 years to build my credit, always make payments on time, always pay my bill, I have never missed one single payment ever before, seeing that collection made feel hopeless, so much work to build my credit just to be destroyed by a collection account like that, XXXX!! my self esteem is to the ground, everyday things continue to get worse. 

I am reaching out to you guys to help me remove that account off my credit and help me take some weight off my shoulders, I am praying for things to be better, but for some reason they continue to get worse, the past few days have being the worse days of my entire life. 
I am looking for some time of positive news on my life right now, something that will show me that things are getting better, I do not want to continue to feel hopeless. 
Thanks
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX BANK XXXX XXXX Balance : {$2800.00}
Product: Credit card or prepaid card

Capital One / Cabela 's pulled my credit report without my consent. I was notified through my current credit card company, XXXX, of this inquiry. XXXX separate inquiries were made on XX/XX/2020 and XX/XX/2020 by Capital One/Cabela 's. I followed up with XXXX to investigate the inquiry but never heard anything back from the investigation. 

I am not sure if these inquiries were by mistake or are malicious. I would like for the inquiries to be taken off my record and to not impact my credit score.
Product: Debt collection

In an attempt to contact FirstSource Advantage I asked the company for Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not provided to me. I have yet to receive and verification stating that this is my debt.
Product: Credit card or prepaid card

Hello, I applied and was approved for a Chase XXXX  Credit Card on XX/XX/XXXX. There is a award of one Free Night if I meet certain spending requirement. In their terms it said : " Free Night Award After {$15000.00} in Purchases : If you, as the primary cardmember, spend at least {$15000.00} in purchases during an Anniversary Year, you will receive a Free Night Award good for one ( 1 ) night in any available standard room at any XXXX  hotel or resorts designated as Category 1 through 4 under the World of XXXX  program. This Free Night Award may be earned once each Anniversary Year regardless of the amount of purchases in such year. ( Anniversary Year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. ) '' It clearly defined the Anniversary Year. My timeline is : XX/XX/XXXX card opening XX/XX/XXXX first statement XX/XX/XXXX 12 monthly billing cycles after that And my spending is : {$12000.00} until XX/XX/XXXX, {$15000.00} until XX/XX/XXXX, and {$15000.00} until XX/XX/XXXX. 

I've waited a month for the free night award before reaching out to Chase several times. Surprisingly, after thinking it was wrong and promising to investigate, eventually Chase denied their own terms and refused to give me the reward : " Please be assured that your account has been reviewed extensively and still does not qualify for the free night after {$15000.00} in purchases. Spend was not met and therefore the night was not issued ... Whether contacted by phone, in a local branch, email or letter, our decision will remain the same. '' I have actually talked to a few bankers in my local branch, they all supported my claim. But response from Chase seemed prohibiting me from further escalations inside Chase. I am only able to be relying on you to give me the justice. 

Attached are the terms ( it didn't change all the time ), and my bank statements that involves spending. 

Thank you so much and I appreciate your help. 

Thanks, XXXX
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 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Requested debt validation claim/letter with payment history & title showing collection agency owns the debt & has the right to attempt to collect the debt & provide me a XXXX form.
Product: Consumer Loan

I have a Wells Fargo Home XXXX XXXX loan which is due the XXXX of the month. My XXXX payment was due on XXXX XXXX and my payroll direct deposit was XXXX XXXX. I scheduled my payment via Wells Fargo online system for XXXX, XXXX when funds would be available to cover the {$100.00} payment. 

When I received my statement several days later I found that I had been assessed a {$35.00} late fee, which has increased the XXXX payment to {$130.00}. When I call to ask why a late fee was assessed for a payment that was made 2 days past the due date I was told that Wells Fargo does not offer grace payment periods. When pushed further as to why, no explanation was given other than they do n't. The representative said Wells Fargo would give me a one time credit, but it requires me to still pay the {$100.00} plus the {$35.00}. The {$35.00} will then be credited to the outstanding balance. So I still have to come out of pocket for the {$35.00} late fee. 

I have never known a card or loan company not to have any type of payment grace period. Even my mortgage has a 15 day grace period. I feel that Wells Fargo is bilking their customers, and they should be made to stop this practice. Even if all they established was a 5 day grace period, that would be reasonableand fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Falderal improperly reported missed payments. Which is false reporting and is against of FCRA. Also no payment was due until XX/XX/2022. So no payment was to be made in XXXX, XXXX or XXXX. Hardship letter was sent 3 different times through the online messaging app for Navy Federal.