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

BELOW is a recently ( 3 days ago ) added Negative collection on my report ( XXXX and Transunion bureaus as of today ). A few weeks prior, I had filed disputes with all 3 major bureaus on different collections, including the one BELOW which is originally from a reported XXXX XXXX  debt, under a DIFFERENT NAMED Collection Agency. IT WAS REMOVED UNDER THE DISPUTE PROCESS. However, within days of it being removed, ANOTHER COLLECTION AGENCY is apparently able to get it put back on my credit report with a few variations in amount, etc. The 3 major credit reporting agencies are not checking into these collection companies, it is all my ( and others ) burden. BELOW has already been removed through the dispute process, yet reported again under a different collection company. HAVE IT REMOVED PLEASE AND DO NOT ALLOW OTHER COLLECTION AGENCIES TO PUT SAME COLLECTIONS WHICH HAVE ALREADY BEEN DISPUTED AND REMOVED, ON REPORT UNDER DIFFERENT COLLECTIONS AGENCIES BECAUSE OF SOME VARIATIONS. THE BELOW COLLECTION AGENCY SHOULD BE FINED FOR BUYING AN ALREADY REMOVED AND UNVERIFIABLE ACCOUNT. APPARENTLY, IS EASY FOR THEM TO GET AN ACCOUNT BACK ON MY CREDIT REPORT. CREDIT REPORTING AGENCIES NEED TO BE MORE DILIGENT IN CHECKING THESE OUT. 
XXXX XXXX HAS ACHIEVED THAT : XXXX XXXX  Last reported XX/XX/XXXX {$1000.00} Open balance XX/XX/XXXX Original creditor XX/XX/XXXX Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also you can not get incontact with TRANSUNION through website or telephone. I have tried for weeks now. Website not functioning, waiting on phone for hours to no avail. I understand the " coronavirus issues '', but if collection companies can get unverified collections on my report, then the customer needs to be able to dispute and/or get in touch with the reporting bureaus who need to be able to sort through and give customer service. The are not held to any standard in my 60 years of experience with credit and bureaus. The bureaus want to charge you for monitoring services, therefore, they don't seem to care much about having the report accurate. Please make these bureaus do their due diligence in protecting the consumer. IT is impossible otherwise to clean up wrongly reported credit collections because it is forever ongoing, intentionally. Thankyou.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Items to dispute : Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Former : XXXX XXXX XXXX  Former : XXXX XXXX Current Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, Employers : XXXXXXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers : Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Account Name : AMERICOLLECT INC Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$150.00} Reason : Identity theft Please remove it from my credit report.
Product: Debt collection

I received a letter from the Law Office of edwin perry. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 XXXX I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked Mr. XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the Law Office of edwin b perry, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. Please correct this. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$99000.00}
Product: Debt collection

On XX/XX/2022 consumer contacted Equifax via certified mail to dispute & request removal of XXXX XXXX XXXX Account being reported on consumer 's credit profile. This has impacted consumer 's credit worthiness, accuracy, and credit score, taking 36+ points from score causing damage to my score. XXXX & XXXX responded to consumer via mail on XX/XX/2022 stating they agree to request that their tradeline related to the account be removed and deleted from the credit bureaus. It has been removed from XXXX, but not XXXX and Equifax. Please remove XXXX XXXX XXXX account from all consumer reports and update credit profile with accurate deletion of account associated with the name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX : XXXX XXXX XXXX  I XXXX Balance {$0.00} XXXX : XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Payday loan, title loan, or personal loan

I paid off this loan with two money orders a week ago and the regional manager XXXX told me she would make sure all was applied and any added fees they caused me reversed and she would make sure my paid off documents were mailed and to me today. I took the loan out in XXXX IL but because the manager their was so rude and unhelpful and trying to keep me from paying it off ( her name is XXXX ) I had to contact the regional manager XXXX and she had me pay it off with XXXX at the Mt XXXX IL location on XXXX XXXX while I was off work. I work for the XXXX XXXX XXXX XXXXXXXX. Now today XXXX called and left a message that she did not get into the XXXX  XXXX office as promised to reverse the fees and make sure the last payment posted and mail me the documents and claimed she was sick and would do it whenever she could! This is XXXX!! I am also filing a complaint with the IL Attorney General today!! I paid the loan off a week ago and they have not applied my payments, reversed the fees they caused me or mailed my paid in full contract!! I want it done NOW!!
Product: Student loan

An email sent from Sallie Mae Bank provides evidence that the bank is using the name of the college in the email subject line in order to generate loans. The subject line of the email was " Assumption University 2024 Tuition Information. '' This is a clear violation of Reg. Z section 1026.48 ( a ) that clearly states co-branding is prohibited. If there is an endorsed lender arrangement, there is no statement that the creditors loans are not offered by the educational institution. 

Further, it is a violation of section 316.3 ( a ) of the CAN-SPAM Act. A reasonable recipient would not interpret the subject line to conclude that the email is a commercial advertisement. 

Further in the email, in order to apply for a Sallie Mae loan, it is stated that applicants must, " ... provide an unexpired government-issued photo ID. '' However, according to Reg. B, section 1002.5 ( b ), " A creditor shall not inquire about the race, color, religion, national origin, or sex of an applicant or any other person in connection with a credit transaction [ with limited exceptions ]. '' By requiring a photo ID, the bank is ascertaining the race and/or color and/or sex of all student loan applicants. This practice is openly discriminatory, potentially resulting in numerous fair lending violations. 

Finally, this Sallie Mae Bank email could easily be identified as a XXXX violation. Given the excessively high interest rates offered by Sallie Mae Bank in comparison to other student loan lenders, applicants are lured into applying with Sallie Mae Bank by using the school 's name in their marketing. The " Sallie Mae '' name alone mistakenly leads applicants into believing it is a government student loan with government benefits. 

As a private loan lender, Sallie Mae Bank should be cited for gross violations like this sent to people that applied for a scholarship on their website. This lure of uninformed consumers to their website for loans that they believe are endorsed by the school is a blatant violation of what Reg. Z, CAN-SPAM, Reg. B, and XXXX are all trying to prevent. 

I urge you to take action regarding this injustice. 

Concerned college parent, XXXX XXXX
Product: Vehicle loan or lease

When I showed up at the dealership ( XXXX XXXX XXXX XXXX ) the same day ( XX/XX/XXXX ) that my girlfriend and I 's car broke down to procure a new one, the XXXX XXXX XXXX which I had called about an XXXX earlier, I showed up in a " XXXX  ''. I got there a little over XXXX hours before my scheduled shift at work. Afterwards, the salesman began questioning me about my other vehicle to which I tried my best to make it seem like I had a second functional one which I did not. After a test drive I decided I liked the car and wanted to finance it. After about XXXX minutes of the finance department coming up with a rate, they told me only one institution would pick up my lease ( Westlake Financial ) and told me the lowest they would go was 25 % apy. I told them that was extortionate. He asked me if I wanted him to see if they would go lower. When he came back he said the new lowest they would go was 23.29 % I asked him why. He told me it was because of how old the car is ( XXXX yrs ) and how many miles it had on it ( XXXX miles ). At this point I had to be at work in less than an hour so I agreed and told myself I would come back to this at a later date. That date was today. 

Earlier today ( XX/XX/XXXX ) I called Westlake because I was having issues processing a payment towards the car. After a while I ended up speaking to a manager about my concerns and asked him if was aware of of discrepancy between my charged interest rate and the legal maximum in TN of 12.5 %. He said he didn't know about that stuff but would happily transfer me to financial after he took my payment. I paid and was then promptly transferred to financial where I told them the same thing. The worker then transferred me again to another manager whom I told my grievances to as well. I told him I would be okay if my rate was at the legal maximum, but preferred 12 %. After being on hold for about XXXX minutes he told me they wouldn't be able to change the interest rate as I had already signed the lease. I then informed him of my intentions to file a complaint with both the Consumer Financial Protections Bureau and the Tennessee Department of Finacial Institutions.
Product: Credit card or prepaid card

Capital One allowed fraudulent cash advances occur without Pin from a stolen credit card. Without flagging the transactions. I reported the transactions and locked the card immediately. I called this merchants phone number. They told me this was a cash advance without pin that was signed and they faxed me the signature which isnt my signature. Yet Capital one sent me a letter stating no indication of Fraud? I never authorized this transaction on the stolen card. The letter states they had information which leads them to believe I benefited from the STOLEN CARD TRANSACTION. In another state. Not to mention I was never sent a fraud alert text to confirm this transaction because capital one never flagged it. This is fraud, and going against their zero liability policy.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and credit cards as well as car loans from the following creditors ; XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX, XXXX XXXX {$2500.00} XX/XX/XXXX, XXXX XX/XX/XXXX {$7900.00} & {$8100.00}, XXXX {$110.00} XXXX, XXXX XXXX {$120.00} XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

On multiple occasions i made appearances physically inside 3 seperaate branches of the bank, so i could speak to the branch mananger in prrson about all of the issues and problems i was experiencing with Wells Fargo. I also contacted their customer complaint department on 4 seprrate occasions with no resolution they expidited my complaint to upper managment and i haven't heard a word from them since the last call i made to them and that was XXXX of XXXX. I knew about the Banks illegal activities and their fraudulent Morgage practices and illegal kickbacks back in 2021 because i was being scammed by them personally. They were involved with XXXX XXXX XXXX and the Apartments I still live stealing government funds from HUDS section 8 vouchers.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX XXXX, XXXX ] XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX Under XXXX XXXX XXXX ( XXXX ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis recently closed Complaint # XXXX indicating that they removed all unverifiable information from my consumer report, however upon reviewing my uploaded consumer report all the items LexisNexis indicated was unverifiable and removed still existed with different variations of some information.
Product: Student loan

XXXX XXXX XXXX CLOSED DUE TO ILLEGAL PREDATORY LENDING PRACTICES. THERE ONE OR MORE EDUCATION LOANS APPEARING ON MY CREDIT REPORT Date Closed XXXX/XXXX/2010
Product: Mortgage

On XX/XX/2020, my loan with Statebridge was transferred to a new loan, XXXX. Unbeknownst to me, the funds were not sent as well. I received a call from XXXX saying that I was 30 days late. I contacted them on XX/XX/2020 advising them that payment was sent electronically to Statebridge on XX/XX/2020. XXXX had apparently not received the payment. That same day, I then proceeded to contact Statebridge and when I saw that my account still had the unapplied amount of {$150.00} sitting there, I asked them to please send it to XXXX as my loan had been transferred. On XX/XX/2020, the unapplied funds were finally disbursed on XX/XX/2020, from Statebridge. I was told at that time that the money had been wired over. I contacted XXXX to see if they had any information regarding a wire transfer from XXXX in the amount of {$150.00} and they did not have anything in house. Again, I contacted Statebridge letting them know that XXXX had not received payment. Then on XX/XX/2020, I was told that a check was mailed on XX/XX/2020 and the agent gave me the check number. The agent at Statebridge was also going to open a task to see how the check was sent. I also asked if they could check to see if the check had been cashed and she said no. On that same day, I contacted XXXX to give them the check information so that they can see if they had the check in their accounting department. On XX/XX/2020, I contacted XXXX for confirmation of payment received, and of course they had not received it yet. XXXX asked me to send my bank statement showing proof of payment to Statebridge on XX/XX/2020. On XX/XX/2020, I contacted XXXX to again see if there was any information about the check from Statebridge being received and the agent informed me that nothing has been received as of late. I attempted to call Statebridge 4 times and have not been able to get through. Their phone system keep sending me to take a survey and I haven't even spoken to anyone yet. As of XX/XX/2020, the check that Statebridge " mailed '' to XXXX in the amount of {$150.00} still is yet to be found.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where XXXX and Equifax have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax 's inaction violates federal law and my rights as a consumer. 

These are the accounts listed below : 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 XXXX XXXX XXXX XXXX XXXX