23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. I have contacted TransUnion a number of times regarding inaccuracies of accounts and addresses to removed and deleted from my credit report. These accounts are showing inaccurate late payments and are in violation of my rights under the Fair Credit Reporting Act. 
I have contacted TransUnion a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the XXXX XXXX XXXX against my credit profile. 
MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that TransUnion has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act TransUnion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 J.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). '' XXXX # XXXX Please verify this account. 


LVNV FUNDING # XXXX Please verify this account. 





XXXX XXXX # XXXX Please verify this account. 





XXXX # XXXX
Product: Debt collection

Conserve has been calling my number since XXXX stating that I owed a student loan for {$3900.00}. They indicated that I could be placed in a repayment plan and after XXXX months, another provider would take over and I would be out of default status. At that time, I started paying {$150.00} per month. They still called constantly requesting financial info such as pay stubs, XXXX and XXXX form. They called once and stated that I needed to start paying {$1600.00} per month on this loan. I told them that I could not afford this. They continued to call and call. They then stated that I needed to pay {$900.00} per month which I stated that I could not afford. All the while, they were drafting {$150.00} per month. At XX/XX/XXXX, their XXXX XXXX indicated that I was never really in a repayment program, when I asked why they drafted my bank account monthly if I was not. She started lying at that time about how I needed to pay more. Then XXXX XXXX started calling me and stated that I need to submit more financial documentation and that my payment would be $ XXXX monthly which I agreed to. The XXXX payment due XX/XX/XXXX. On XX/XX/XXXX, I received my pay check and that Conserve had my check garnished. I called XXXX and she asked like she knew nothing of this and stated that she needed to speak to her manager. She came back and stated that if I made payments along with the garnishment, that after a XXXX months, they would stop the garnishment. I told her that was ridiculous because my check was garnished {$450.00}. I stated that the loan was only {$3000.00}. She stated that I now owed {$5400.00} which is ridiculous. She then stated that they would offer me a XXXX settlement of {$4200.00}. This company has lied, took money illegally and was deceitful. Conserve has unfair collection practices. I called the Dept of Ed about this and they stated that any actions taken was not by them nor order by them but it was done by Conserve only. They did n't know where the increase came from and had no knowledge of how Conserve was handling the accounts for them, They redirected me to Conserve which is a waste of time since they violate all of the Fair Consumer Act. Conserve needs to made to answer for all of their collection practices. The New York XXXX has numerous complaints regarding this company. Please help the consumers who are being harassed and deceived daily by Conserve. When I questioned XXXX XXXX why I was not notified about the garnishment by them, she stated that they mail a letter to me on XX/XX/XXXX regarding this. I asked what address was it sent to and she then gave my current address. I told her that she was lying about this because I purchased a new home in XX/XX/XXXX which is the address that she stated. I was not living at this address in XX/XX/XXXX. When I stated this she became belligerent and wanted to argue with me at which time I discontinued the call.
Product: Debt collection

I got my credit report an seen things on my credit report that was not my doing I wrote the company & credit Bureau a few times and nothing happen the last time I wrote was XX/XX/XXXX an nothing still DIDNT happen its fraudulent activity on trans union XXXX XXXX XXXX XXXX account # XXXX open XX/XX/XXXX is not mine & the same account is said to be open on XXXX/XXXX/XXXX on XXXX. First off the account is not minethen hows the same account open on 2 different dates that should raise red flags for a company as big as trans union XXXX XXXX then on trans union it says last reported XX/XX/XXXX then last reported XX/XX/XXXX on XXXX? Then it says date last active XX/XX/XXXX on trans union? how was it last reported XX/XX/XXXX but last active XX/XX/XXXX a year earlier than it was last reported?? Can you please remove this off my credit report immediately please
Product: Debt collection

I dont know who this company is and they keep texting me. How do I know its not a scam?
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX  reported a account to Experian that is not mine this is the second time this happened the first time it happened I was able to get Experian to delete it. 
plese help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Experian in an attempt to have a negative remark removed from my report. The negative remark is legitimate, but I was hoping the creditor would remove it early. This account was a charge-off as of XX/XX/XXXX. 

The result of the Experian dispute was that the account and remarks were legitimate ( they are XXXX, however, the date of the charge-off was not only updated to balance due as of XX/XX/XXXX, but it is listed as an entirely new remark on my credit report. 

Experian says their results are accurate, but there is clearly a mistake, as I can not have two identical accounts on my report with different charge-off dates, nor can I suddenly have a late payment on an account that was already charged off. 

Experian needs to remove the new data as of XX/XX/XXXX on this account from my report, as it is not accurate. I am no longer responsible for this balance due to the creditor, and I did not have a late payment in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discrepancies in reporting on one account being reported twice on all three credit bureaus : Original Balance : XXXX and XXXX Terms : 66 months and 68 months Paid Closed/Never late and Paid/ Closed on XXXX. Reported differently on XXXX then XXXX and XXXX XXXX. 

Requested validation as shown in documents attached. 


Wells Fargo Dealer Services has the same account reported twice. Inaccuracies with original amount of loan, payment history, terms are different. I had only one lease which being reported twice with the same account number but inaccuracies with the items mentioned above. Violation by the credit bureaus and Wells Fargo dealer services reporting inaccurate information that has substantially hurt my score.reported as paid and never late on XXXX and reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX XXXX Contacted company requested that they verify the debt, they were unable to do so, and they requested I reach out to Experian to have the item removed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

My Father recently passed away on XX/XX/XXXX He had been sick for some time and was in and out of the Hospital including a XXXXXX/XX/XXXX We received a notification from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Addressed to my Mother XXXX XXXX from XX/XX/XXXX Account XXXX AmSher Account XXXX Indicating that we have to pay a debt of {$450.00} First of all y mother had no access to my anything in the house. All billing in the house was under my father 's name, XXXX Looking back into his records I see credit card charge of XXXX starting XX/XX/XXXX each month until a last payment of XXXX ending in XX/XX/XXXX I can tell you that my father returned the equipment based on our request and was provided boxes by XXXX XXXX cancelling his subscription We have never received any additional request from XX/XX/XXXX that this amount We, my brother and I, took over his responsibilities for all his expenses in XXXX including the remaining mortgage on his home After cancelling many of the things he had and since he was going to a home to live out his life we never received anything from XX/XX/XXXX of money owed nor have they reached out to us via mail or email or phone call that money was owed Now, I received this collection letter from this company saying my MOTHER who is also in a retirement home owes this money Need to know how to resolve this. Calling this company is admission of fault and do not want to have that
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
15 U.S.C, 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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

I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ( Please validate and correct ) Equifax : XXXX XXXX : XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Synchrony Bank/ Synchrony Financial brought a lawsuit against me in direct breach of their binding arbitration agreement contract. I sent a letter with no reply. Synchrony Bank then sold my debt to XXXX XXXX XXXX for an undisclosed amount, which I was not party to, nor was my consent given however, this transaction made our contract null and void. Synchrony Financial has profited from my security. Synchrony Fianacial is in direct violation of TILA, securities fraud in violation of Title 12, and FCDRA. Further, according to IRS filings Synchrony Bank has accepted the cancellation of the debt, yet seeks repayment of a debt that has been canceled.
Product: Mortgage

Ditech financials processed loan payment on XX/XX/2020, 17 days after they were not to not take any payments, whereas XXXX dba XXXX XXXX, was to process payments effective XX/XX/2020. 

Called XXXX/XXXX after not being able to send secure email as advertised, therefore am really concerned with this loan servicer ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX has violated my rights. I have been a faithful consumer with XXXXXXXX XXXX since XXXX, with 100 % payment history ( paid as agreed on time ), until UNTRUE, UNVERIFIED, INACCURATE information was reported. These late payments are in relation to a computer error, that happened on the side of XXXXXXXX XXXX After reviewing my Equifax credit report, I was made aware they are reporting inaccurate information. I immediately contacted Regions bank and their response " was contact the credit major credit bureaus ''. I was repeatedly transferred and told different information. My final attempt with XXXX XXXX resulted in a customer service Rep saying she would dispute the 2 late payments and it would be corrected within 30 days, I did not receive any communication regarding the outcome of that dispute. Nor did anyone call me to follow up with my dispute. I have exhausted all options with handling this directly with XXXXXXXX XXXX. I was left with no other option but to file a complaint. It saddens me that they don't value me as a good consumer since XXXX. Equifax is reporting UNTRUE, UNVERIFIED, AND INACCURATE 2 late payments from my Regions account ending # XXXX XX/XX/XXXX and XX/XX/XXXX. These inaccuracies are highly injurious to my credit. I have been denied a home loan due to this damaging inaccurate information. Per U.S.C. 1666B
Product: Debt collection

regarding account # XXXX claiming I owe {$3400.00}. 
This is not my debt, it has been years and many attempt for me letting Wells Fargo know and to remove from my credit report.
Product: Student loan

I graduated from the University of XXXX, XXXX finishing my XXXX in XX/XX/XXXX. I had over {$110000.00} in student loan debt at the time of graduation, both Private and Federal loans. At the height of the financial crisis, I was laid off on XX/XX/XXXX. Having a hard time making ends meet, I contacted Navient for help. They never once offered me a better payment plan, such as an Income Based Repayment option. They pushed me towards setting of a forbearance on my loan. I was unemployed for over a year, in which the accrued interest continued to build on my loan. Ever since XXXX, I have been back to paying my student loans. In XXXX, I ran across other people in situations like me, and found out about the Income Based Repayment option. Navient not once assissted me in repayment options, only forbearance. Now we sit here in XX/XX/XXXX, and my student loan debt is over {$200000.00}! I pay over {$1100.00} per month now, and my total loan principal decreases about {$100.00} per month! This seems incredibly unfair that my {$110000.00} student loan debt is now over {$200000.00}, with no end in sight. I feel like Navient did a disservice to me and pushed me towards a forbearance, which put me into this situation. Please help!
Product: Credit reporting or other personal consumer reports

This report highlights the ongoing noncompliance by XXXX and Transunion in addressing multiple violations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes and requests, XXXX has failed to validate or verify disputed items, provide necessary documentation substantiating alleged debts, and address unauthorized credit inquiries on my report. This has been happening since XXXX XXXX XXXX, and I have not been receiving proof within the XXXX period or at all. I would have to check online without proof that things had been validated.

I am also attaching letter that I have request for proof of permission for hard inquires.

Key Issues Reported : Failure to reinvestigate disputed items within the legally required 30-day period, as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of evidence proving my legal obligation to pay alleged debts, contrary to FCRA and IRS Code requirements under 26 U.S.C. 6050P.

Unauthorized hard credit inquiries without my explicit written consent, violating permissible purpose requirements outlined in 15 U.S.C. 1681b ( a ).

These actions have caused significant damage to my creditworthiness, financial opportunities, and emotional well-being. I demand immediate resolution, including : Removal of all inaccurate and unverifiable information from my credit report. 
Written confirmation of these corrections. 
Compensation for the harm caused, as permitted by the FCRA. 
If these issues are not addressed, I will pursue legal action under the FCRA and FDCPA and report the violations to the FTC, CFPB, and my state Attorney General.
Product: Checking or savings account

I have been a Wells Fargo customer for over 10 years. On the night before an international trip, my account was suddenly frozen after I transferred {$3500.00} to my son, who is a regular recipient of funds from me ( usually over {$1000.00} monthly ). On that same day, I changed my password, which may have triggered a fraud alert. 

I called customer service immediately and explained my situation, as I had a flight early the next morning and could not go to a branch. They instructed me to give my son Power of Attorney so he could handle the issue. I did exactly that had the document notarized and sent him to the branch twice. Despite this, he was kept waiting for hours and eventually told that even with the notarized document, I had to be physically present. 

I called again multiple times, explaining that I was stranded abroad without access to my funds, unable to return home, and was being severely affected both personally and financially. I even stated I was willing to provide all necessary identification and documentation remotely. My son was also ready to provide anything needed. Still, no one helped us. 

The final call I had with Wells Fargo ended with the agent saying, Youve been told multiple times to visit a branch, Im ending the call now, and they hung up while I was still speaking. 

I am now stuck in another country without money and without access to my own funds. This has disrupted my business and my ability to return to the U.S. The bank failed to provide a reasonable solution or proper customer support. I am requesting immediate review and assistance with unfreezing my account or providing alternative access options, considering the exceptional circumstances.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold this loan and closed account, the second lender sold it to a third. At this point the debt is no longer being collected. The original lender keeps adding and lowering my credit score malicously when they are no longer the owners of the debt and have not owned it in 3 years. XX/XX/year> they reported inaccurate information that had sat there for 3 plus years with no change. They added information showing they no longer own the debt and added delinquencies and late payments to further lower my score. This is illegal and a violation of the fair credit reporting act.
Product: Student loan

I spent close to two hours on hold trying to reach Nelnet via phone. Their online FAQs and information portals are useless. they also make claims about recurrent email notifications to maintain updates on applications, statements, issues, etc, but emails are never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting.