23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  has been reporting negative and incorrect information to all three credit bureaus. The alleged debt shows to a XXXX XXXX account. Not only do I have XXXX recollection of a XXXX account, the account is also being reported while clearly ignoring FCRA and FDCPA. Not only is the account not validated, following multiple written requests, the alleged debt is listed as a collection item, while simultaneously reporting a past due balance ( not a revolving account ) and reporting late payments every 30 days ( again, not a revolving account ). This is clearly against both FCRA and FDCPA, and XXXX XXXX lack of communication and/or attempt to fix the errors has caused a tremendous negative effect to my current situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I have written more than one letter to XXXX XXXX most recently in XX/XX/XXXX, about many of my payments not being accepted towards the Public Service Loan Forgiveness ( PSLF ) program. I have been employed in a public service capacity since XXXX, and have made sure to remain in a payment plan that was qualifying since the inception of the program. I have even highlighted some of the payments I have made after receiving records of payment via the XXXX XXXX XXXX via a FOIA request, enclosing them proof of payment. 

Despite these repeated inquiries to XXXX XXXX, I have not received any response whatsoever.
Product: Credit reporting

I investigated XXXX Estate through Trans Union about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.
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 XXXX XXXX XXXX. 

Account name and number XXXX XXXX XXXX XXXX XXXX XXXX Account name and number : XXXX XXXX XXXX XXXXXXXX ) Account name and number : XXXX XXXX XXXX XXXX ) Account name and number : XXXX  XXXX XXXX XXXX XXXX ) Account name and number : XXXX XXXX XXXX ( XXXX ) Account name and number : XXXX  ( XXXX ) Account name and number : XXXX XXXX  ( XXXX ) Account name and number : XXXX CREDIT ( XXXX ) Account name and number : XXXX XXXX ( XXXX ) Account name and XXXX 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 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 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

Hello my complaint is with the actual credit reporting agency. 
My credit score doesn't not reflect my credit worthiness. I went from an XXXX to and XXXX within two months for not reason. 
First my score dropped XXXX points because I used less than 1 % of my available credit so it made my score XXXX then it dropped XXXX points because I paid off a car loan bringing it to XXXX. I don't understand why this is happening to me, it has happened over and over again and I have complained to the credit bureau letting them know their algorithm is wrong and they tell me that I have to contact the creditor and in these cases there isn't a creditor it's the credit reporting agency. 

There isn't anyone I can complain to nor is there anyone that will take responsibility for the software they are using that determines what a person credit worthiness is based on what ever criteria they base it on. There is not way my credit score should XXXX for the transaction I performed on my credit. I don't have any delinquencies on my report, never paid laid ; have paid of several debits and am continuing to show I am responsible with credit. 

I don't know who to complain to so this can be corrected ; Their software incorrectly, dramatically lowered my score for no reason. 

I need help, please help me this is affecting any sort of financial decisions I want to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services Clarity for Consumers XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company keeps giving false info under my SSN when trying too obtin loan.
Product: Credit reporting or other personal consumer reports

My response is to address an issue regarding the reporting of my account associated with the XXXX XXXX XXXX XXXX, which is currently listed as " Verified as Reported '' on my credit report. I am concerned that this reporting does not fully comply with the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to reference the following provision of the FCRA : 15 U.S. Code 1681b - Permissible Purpose of Consumer Reports : This section outlines the permissible purposes for which a consumer report may be obtained. It is crucial that all information included in a consumer report is accurate and obtained in compliance with these permissible purposes. It has come to my attention that the details provided by the XXXX XXXX XXXX XXXX  may not fully align with these requirements. Additionally, it is important to note that courts typically do not provide detailed information directly to profit-driven reporting agencies. The information reported by the court should be limited to factual judgments and rulings rather than any additional or potentially misleading details. Furthermore, I did not request or authorize the inclusion of a description of non-monetary relief related to this account. Under the FCRA, all information reported should be accurate and relevant to the consumers credit history. The inclusion of non-monetary relief details that were not requested or discussed with me appears to be inconsistent with these requirements. In light of these concerns, I request the following actions : Verification of Accuracy : Ensure that it aligns with the requirements outlined in 15 U.S. Code 1681b, and that all reported details are accurate and relevant. Correction of Errors : If inaccuracies or discrepancies are identified in the reported information, including the unwarranted description of non-monetary relief, please promptly correct these errors and provide an updated credit report reflecting the accurate information. Clarification of Source : Provide clarification on how the information from the XXXX XXXX XXXX XXXX  was obtained and reported. Ensure that the reporting process adheres to FCRA guidelines, especially regarding the permissible purposes for obtaining and reporting consumer information. I appreciate your prompt attention to this matter. Please inform me if any additional information is required from my end to facilitate this process within 30 days. I look forward to your response and the resolution of these issues. Thank you for your assistance.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy for over a year and have disputed repeatedly due to the nature of account. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act which also has been violated.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete 1 ) Pofortlio Recovery Sincerely yours, XXXX XXXX
Product: Checking or savings account

On the morning of XX/XX/year>, I suddenly found that I couldn't log in to my online banking account. I called customer service, and they informed me that my account had been permanently closed without providing a reason. They mentioned that the remaining funds would be sent to me via check. Amount around XXXX dollar
Product: Debt collection

Repeatedly called XXXX even XXXX times a day and within minutes. Hangs up when answered
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 5-6 Fraud inquires reporting to my Trans Union and 1 on my XXXX  and they are both refusing to remove them. They said the need deletion letters from those companies but those companies will not give me them. Now I'm stuck with inquires on my credit that I didnt do or benefit from starting from XX/XX/2019 till XX/XX/2019 any inquiry from that time are all FRAUD and need to be removed. Last time I checked I had NO inquiry at all on any of my reports.
Product: Debt collection

Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine.
Product: Credit reporting or other personal consumer reports

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent.
Product: Student loan

On X/XX/2017 I received a notice that my loans were due since I was now out of school. These two loans were loans from previous institutions and had already been consolidated. When I returned to school they entered deferment until I graduated in XXXX of 2017. I called and spoke to them regarding my account and I was given the option to do an alignment forbearance to bring my previous loans and the loans I acquired while finishing school into alignment so that I could consolidate them all, they would all be due in XX/XX/XXXX. I called to follow up on my request on X/XX/17 after I had n't received confirmation of my alignment forbearance being processed. The gentleman advised that it looked like it was still being processed and to be patient. He advised me that they do not report late payments until 90 days and I should be receiving a confirmation shortly. I received another notice today that I am past due so I called them to discuss my account. It is now X/XX/17, the girl I spoke to advised that I was not eligible for an alignment forbearance and that I would need to make the past due payment immediately. I explained the situation and she put me on hold to review my account. She did see the prior conversations and that I was given incorrect information. Her only response was that she would file a complaint on my behalf for her superiors to review and said she would forward paperwork to re-certify my loans to lower my payments and that she would request a situational deferment to clear my past due balance until XX/XX/XXXX when my next payment would be due. I advised that I was not satisfied with this result and that I am very unhappy that I was given incorrect information twice and that I would have handled this differently and made arrangements to do the re-certification or make a payment back in XX/XX/XXXX and not let my past due balance get to this point. Also, not one time in any of the conversations was I advised to continue making payments until my request was processed. I was told that once the alignment forbearance was processed it would be retroactive, and now come to find out that I was never eligible for the option they suggested. The service company is FedLoan Servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 70 unauthorized hard inquires on my credit report. I contacted XXXX filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called 80 lenders like they asked. Please removed these inquries
Product: Credit reporting or other personal consumer reports

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers that are not mine : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX Remove Employers info : STUDENT Date Verified XX/XX/2018 Remove Account Review Inquiries Remove Inquiry Analysis
Product: Debt collection

Amsher was calling me back to back like every two hours harassing me we I told them to stop calling they didnt I told them to send me something thats bearing my signature by mail
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Account Number : XXXX - I mailed letters to XXXX XXXX XXXX XXXX and Transunion on XX/XX/2023 requesting that they all remove late payments accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. The account has also been paid as agreed and closed. If an account is closed the company may no longer report it as late!
Product: Credit reporting or other personal consumer reports

I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution.

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.
Product: Checking or savings account

This is a follow up to complaint COMPLAINT ID XXXX SUBMITTED ON XXXX/XXXX/2024. We are requesting the remaining funds of {$1500.00} stolen from XXXX TN XX/XX/XXXX24 at XXXX XXXX be returned as the funds were not withdrew by the victims / card holder of the account. We will continue to file claims until all funds have been returned. 

Chase bank requested we get local authorities involved and we did as requested. We were told by local authorities " there is an uprise in this type of crime and to make sure not to take calls from imposters pretending to be your bank ''. That is all they could offer. 

Since Chase refused to investigate and has washed their hands of the matter the victims are left to some investigative work of their own and discovered an email from Chase bank stating they enabled XXXX XXXX for XXXX. We do not own XXXX we use XXXX. And we don't use our phones to make digital purchases. We believe this is how the funds were stolen through digital wallet. If the criminals can set up digital wallet using Chase mobile app they most likely can obtain the pin number this way. I'm convinced Chase provided that PIN number since they ( criminals ) gained access to the account via XXXX. Furthermore both account holders/victims were working XX/XX/XXXX24 and live XXXX minutes from XXXX TN . They neither had the opportunity or the motive to drive XXXX hours out of their way to obtain a cash withdrawal when they have a Chase bank within XXXX minutes of their residence. We do not take large amounts of money from our account either. This is clearly the work of fraud. Please advise how we are to proceed with receiving our remaining {$1500.00}. Thank you!
Product: Credit card

After I submitted a complaint to Wells Fargo then the CFPB about the misleading advertising on their Wells Fargo Rewards card, Wells Fargo responded to both and did not do anything except dismiss the claim and point to their lengthy terms and conditions as evidence they are in compliance with their own terms and conditions. Then on XXXX/XXXX/16, I received a statement from Wells Fargo showing that they forfeited XXXX points on my Wells Fargo card because I complaint to the CFPB when I am not supposed to. I contacted Wells Fargo customer service and they told me the same thing and will have a floor manager contacted me within 5-7 business days to further explain the rationale the points forfeiture. It is unethical for Wells Fargo to punish a customer for raising a complaint about bad customer service or misleading adveristing.
Product: Credit reporting or other personal consumer reports

I have identity theft and all this negative stuff on my account that's not been removed I have reached out to the credit bureaus all three and all negative items are still on my credit report I would like to remove
Product: Prepaid card

On XX/XX/year> I was charged XXXX USD for what looks like a XXXX news subscription that I did not authorize. I immediately reached out to MyWisely to report the transaction as soon as it posted. 
I spoke to a rep who said that they took my report, canceled my card, sent me a new one. They also stated Id receive a form to sign if I wanted the funds provision to my account ahead of the completion of the investigation. They never sent that and I did not receive it. I also reached out to XXXX  who could not find a subscription under any email or phone number I used. On XX/XX/year> I got an email from MyWisely saying my investigation has been completed and no issue was found and that the investigation was final. Nobody reached out to gather any info of me, I have no pattern of reporting fraud and XXXX has no record of me having a subscription with them. They wont even tell me what steps they took unless I email them and wait an additional XXXX days for a response via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not investigated into my disputes properly. They continue to report fraudulent information that is not mine or is inaccurate. They are in violation of the FCRA.