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

On XX/XX/XXXX I pulled my credit report and noticed there were several inquiries on my credit report, along with a account that I did not authorize and a address that does not belong to me. Inquiries listed below I would like removed from my report XXXX XXXX XXXXeported on XX/XX/XXXXXXXX XXXX reported on XX/XX/XXXX, XXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXX, XXXX XXXX  reported on XX/XX/XXXXXXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXX, XXXX XXXX XXXXXXXX reported on XX/XX/XXXXXXXX Address listed below I would like removed from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX. Accounts listed below I would like removed from my credit report XXXX XXXX. These items listed are fraudulent and were not authorized by me and I would like them removed from my credit report.
Product: Student loan

When my student loan was transferred from XXXX to Fedloan Servicing in 2012, Fedloan refused to honor a year 's worth of payments I made toward public service loan forgiveness because XXXX had me on an incorrect repayment plan. Yet, XXXX acknowledged their error in writing and agreed to count my payments prior to transferring the loan. XXXX also informed me that my qualifying payments should have been accepted upon transfer. Still Fedloan refuses to accept them. 
I have sent Fedloan the letter from XXXX XXXX, but they refuse to acknowledge the payments. In addition, I have contacted the Department of Education Ombudsman 's Office with the same outcome. 
How is this legal? XXXX admitted they made a mistake, agreed to honor my payments IN WRITING ( in fact, they were even honoring more than I expected ... I really only expected them to honor my {$500.00} payments and not forebearance payments, which they also honored as qualifying payments ), and yet Fedloan refuses to allow the payments to count. 
I have been told there are about XXXX of us that this happened to - put on wrong plan by XXXX, who admitted mistake and agreed to accept wrong plan payments, only to have Fedloan deny them upon loan transfer. You can find others with similar stories on the internet, such as the following site where I once posted : XXXX I am attaching all correspondence with XXXX XXXX and Fedloan Servicing ( in order from earliest to most recent ). I also have recordings of conversations with Direct Loans stating all payments should have been transferred and accepted by Fedloan Servicing. 
Your assistance would be greatly appreciated. Without help, Fedloan will succeed in denying me over {$5000.00} in payments that XXXX XXXX accepted. Not to mention, Fedloan is denying an additional {$370.00} payment because they claim I paid it too early. Seriously? And there are countless others like me.
Product: Credit reporting or other personal consumer reports

Dispute Regarding Late Payment and Violation of Consumer Credit Laws According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( e.g., the purchase agreement signed contract with my signature on it ) that you have on the account listed below. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit, and I have been denied credit on the basis of this inaccurate information.
Product: Checking or savings account

I keep receiving calls from someone claiming to be representing Wells Fargo, saying that I owe over a XXXX dollars from an account that I haven't used in XXXX years. I called and spoke with Wells Fargo, and they assured me that it was a scam, and that they would never call and try to receive payment over the phone. What is bothering me is the person claiming to be from Wells Fargo knew my address and full social security number. How do I make sure that my personal information isn't being used by these scammers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Transunion and XXXX in an attempt to remove wrong names and addresses from my credit report. This letter was mailed out on XX/XX/21. I have yet to receive a response. When several months passed and still never got a response and submitted a complaint here requesting the CFPB look into this issue, so I could receive so assistance in resolving this matter. I submitted both complaints over the phone on XXXX and here are the complaint numbers : XXXX & XXXX, which have since been closed. I am not sure why these complaints triggered that more information was needed when I verbally verified everything over the phone with the CFPB agent. I simple need TransUnion and XXXX to correct inaccurate personal information. The grossly inaccurate Names variations and random addresses to houses I have never lived has damaged my credit rating, and hindering my ability to use my credit.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

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

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Student loan

Navient had me put my loans in forbearance because I could not afford the monthly note. They told me I made too much money to do the income driven plan. After years of deferrals and forbearances the interest was rising and now I went from owing XXXX to XXXX. I started sending XXXX bi weekly when they said all avenues were no longer available. I sent payments for several months. I received harassing phone calls on my cell, at my job, and emailing me constantly. They turned me in as defaulting and I was sending the XXXX bi weekly. Then, after turning me in and ruining my credit. They sent XXXX after me and they submitted garnishment of my wages documents with my personal social security number and identifying information to fac numbers that went to my co workers and not our payroll department. XXXX did this. I called them and said that was illegal. I ended up having to send them XXXX a month and could not afford it. Now, I owe them over XXXX dollars instead of XXXX. Disguisted!! XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX The college I attended was University XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information about an account listed on my credit report. Account XXXX is listed on my credit report for Transunion that this account was opened on XX/XX/. Why are you trying to extend a debt longer than the law allows. You have the last reported date the same as the last active date, which is also incorrect information. If you believe that you are reporting accurate, please provide the payment history to this incomplete account. I have attached a copy of this report. I would like this removed from my credit report. 

A collection account is always to be considered an extension of the existing debt. It is against the law for a collection agency to report old debts or collection accounts as a new account when the debts are sold.
Product: Credit reporting or other personal consumer reports

I have two separate issues here. One is additional card mailed to me by unknown person who had my information. Even prepaid gift cards need personal information and may offer to open an account. I contacted the local police and told to destroy it. Requesting to direct deposit whole SSA as primary bank. Police said since not active destoy it. 

XXXX XXXX I began at least able to put a fraud alert and mail back utility bill and 1099 Equifax no I am not able to even find out what may be needed. However I have a utility bill and requested 1099 to get to them. So XXXX XXXX may take a little while since I just mailed out what they requested. Equifax no they may be working on it but I will send them the same thing as XXXX XXXX. If I call or write etc no answer. Nothing otherwise step by step
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I mailed Transunion regarding the incorrect information on my credit profile Regarding a Federal Filed Bankruptcy XXXX containing incorrect Information such as ( FILED US BANKRUPTCY COURT ). Transunion updated the report to reflect I disputed the information. 

On XXXX I mailed the " United States Bankruptcy Court Eastern District '' regarding the release of information. on XX/XX/2021, I received a letter in return from the Court stating in short " we do not provide or release any personal information to the credit reporting agencies ( said letter attached ) Transunion on XXXX updated and sent me their investigation findings as ( VERIFIED ) letter attached. I did not received the VOD from Transunion. 

I once again on XXXX requested a RE-INVESTIGTION from Transunion regarding the incorrect information and requested if they could not provide me with the verification of the investigation which I am in titled to to please delete this file immediately. I received no response back from Transunion regarding my request into this matter. 

On XXXX I once again mailed certified to Transunion a request to RE-INVESTIGATE my file. 

On XXXX Transunion once again sent a letter stating ( Item Verified ) and no verification method was provided with said letter. 

I have on four ( 4 ) numerous occasions followed and requested Transunion to conduct a proper Investigation into this matter. Transunion however feels that it does not have to comply the same we ( the consumer ) do with the process and seems unfair to me to have to continue to spend time and money because they want to bypass the process and determine on their own what is verifiable or not.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX : Acct # XXXX ; XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my 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 any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 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

My Kovo account has been on auto pay since day one. Never had an issue with payments. A couple weeks ago I got notified my credit score dropped almost 100 points due to a delinquent payment. I reached out to the company and was told there was a system error that caused all auto payments to get stuck pending and also falsely report delinquent payments to the bureaus. I was told by a representative that none of this should have happened and that they would have it removed from my report immediately. Then, communication was lost. This error is still showing on all bureaus. Ive messaged the representative 3 times as well as the support email and not received any response. My character is being destroyed to the bureaus and my credit score has taken a huge hit due to nothing of my fault.
Product: Debt collection

RADIUSGLOBAL is a company I do not signed any contract with. 
ACCOUNT XXXX DATED XXXX I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with RADIUSGLOBAL, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 
I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I requested for validation within XXXX days or to cease communications and this was not honored. ( XXXX/XXXX/15 ) I received another letter from the collection agency ( XXXX/XXXX/15 ) which is a violation of the FDCPA as validation was not provided. I sent another letter on XXXX/XXXX/15 requesting for validation again and granted another XXXX days. Validation was NOT provided to me and I am requesting that all communications be ceased, and that this account be removed from my trade line. 

Given the FDCPA violations described above, I am seeking damages for each offense up to {$5000.00}. 

Your response is greatly appreciated as soon as possible, XXXX XXXX
Product: Debt collection

AAA collections agency South Dakota has been collecting my money for about 2 years now on a medical bill Ive never had a problem paying until I decided to Change by my banking info, I called back to see why my payments were not going through after about a month. The lady was extreamly upset with me after telling her Im not sure why my payments stopped. I called my bank and the bank said t was on their end. The lady said that I could only do a larger payment plan or pay the amount on full and I told her I couldnt afford either and became upset at that time. She threatend to have sheriffs at my house if she wanted and basically tried telling me without actually telling me that I would be sued no matter what and there wasnt anything I could do and they would win no mater what and take my money from the hearing. I have agreed to the payment plan of the larger sum and she said they would do that. A week later my account became dilenquent and now I have no way to pay because she will not allow the payments to go through. This company used to be pretty helpful when it came to paying off a large chunk of the hospital bills and now that its under a smaller number they are being super aggressive and I dont feel its fair at all and I hope that they take a check that I will be sending in to keep my account from being sent to court because It would lose since the agency and judge are so close.
Product: Credit card or prepaid card

Repeatedly having to call GoCard to inquire about 2 transactions that were not autborized to be withdrawn from my account. This company on every occasion keeps a customer on hold over 2 hours. Once you finally speak with someone they state they will send you paperwork to fill out. It will take 45-90 days for the investigation to be completed.
Product: Vehicle loan or lease

Our TD Auto Finance LLC auto loan was directly debited from our XXXX XXXX XXXX checking account until XXXX 2017. In XX/XX/XXXX we switched to XXXX XXXX and changed over all of our direct debit accounts. I tried to change the direct debit information for our TD Auto Finance loan online but was unable to due to technical difficulties with the the TD Auto Finance website. ( To this day the website is still not capable of making this change ). Because I could not update my banking information online I faxed in a copy of my request to change the bank account from which the direct debit was drawn. After TD Auto Finance received my fax ( confirmed by an account manager on each of the three occasions I called to attempt to rectify the problem ) it attempted to withdraw money from my Bank XXXX XXXX bank account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After each of these attempts I called TD Auto Finance and was told that my fax had been received and that the problem was fixed. In XX/XX/XXXX and XX/XX/XXXX our XXXX XXXX XXXX account became overdrawn and fees were applied to our account. The account still exists but we do not fund it anymore. After XX/XX/XXXX I called XXXX XXXX XXXX and had them put a stop payment on any future requests fro withdrawal from TD Auto Finance. Again in XX/XX/XXXX TD Auto Finance attempted to withdraw money from my XXXX XXXX XXXX account but could not this time because of the stop payment. Because TD Auto Finance could not withdraw money in XX/XX/XXXX our account became past due without us knowing. My husband recently received notice that his credit has been negatively effected due to our past due account with TD Auto Finance even though our balance is now fully paid using the one time payment option on-line. This has been an extremely frustrating and time consuming experience. Each of the three times that TD Auto Finance withdrew or attempted to withdraw from our XXXX XXXX XXXX account I spent at least an hour on the phone with a TD Auto Finance representative. Each time they indicated the problem was fixed and each time the problem was not fixed. I am still not sure whether TD Auto Finance will attempt to withdraw from the wrong account again this month. Now our credit has been negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX  I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit card

I got a destiny credit card, within about 11 days they closed the account for suspesious activity, I called about it and they said they have the right to close any account for any reason, well within that 11 days that they closed my account they charged my XXXX dollars to activate the card, and then after closing the account another XXXXdollars for yearly fee, and then charged me a XXXX dollar account fee, and now they have added another XXXX dollar charge for for a return check fee that they pulled out 2 payments 1 for XXXX and some change to payoff the account and then another XXXX dollar that was over payment and they told me if I wanted the XXXX dollar back I had to dispute it with my bank, so I did and now they are trying to charge me for their mistake this is fraud don't give you a service and charge over XXXX dollars in fees that is a lot of money if they do that to everyone, this needs to be addressed and stopped, they should be prosecuted to the extent of the law, if you have any questions feel free to contact me at XXXX thank you, this is a total scam.