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

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 l XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these convergent account numbers have violated my rights. 
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 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed XXXX disputes with Experian regarding an erroneous bankruptcy chapter XXXX that is listed on my credit report, the most recent one was XX/XX/XXXX. I do not believe that Experian is taking the necessary steps to actually verify the public record in question. I have provided them with a substantial amount of factual documentation that proves this alleged bankruptcy is inaccurate and it needs to be deleted from my credit report immediately however they continue to respond verified. 

Due to Experian inaccurate reporting to my consumer file it has caused me a great deal of emotional stress and is hindering me from purchasing a home for my family. They stated that XXXX XXXX verified this information so I provided them with a letter that I received directly from XXXX XXXX dated XX/XX/XXXX which states the alleged bankruptcy was removed. They then stated that the courthouse verified this information and I provided them with a letter that I received directly from the courthouse dated XX/XX/XXXX which states they do not provide information to credit reporting agencies. 

If XXXX XXXX does not have this bankruptcy on file and the Courthouse does not verify information with credit reporting agencies then who are you verifying this information with?? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( XXXX ) The sources of the information. 

XXXX and XXXX have removed the erroneous public record. Each bureau is responsible for providing accurate information per the FCRA. How can this bankruptcy be accurate or verified if no other credit reporting agency is reporting it except Experian??? 

I have attached the dispute letter mailed on XX/XX/XXXX, dispute letter mailed on XX/XX/XXXX, XXXX XXXX letter, Courthouse letter, Credit report, notarized affidavit, my drivers license and utilities bill for your review. This is an urgent matter please delete this inaccurate bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$98.00} charge for phone use. Leased an apartment, set up utilities, changed apartments in the same complex before moving in. The lessee of the first apartment used my utilities to make calls to another country and I wasnt informed of the purchases. The charge went to collections and I paid the balance to stop effecting my credit. Would like it removed.
Product: Credit reporting

I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.
Product: Checking or savings account

I had XXXX transactions made on Cash App that were not made by me. I disputed the transactions on XX/XX/XXXX and XX/XX/XXXX. I disputed all XXXX of them. They refunded me for only XXXX transactions on XX/XX/XXXX. Then, after continuously asking for XXXX days why I only received XXXX disputed transactions and not all XXXX, they finally told me today, XX/XX/XXXX, that they investigated and closed the disputes and will not be giving me a refund.
Product: Debt collection

XXXX writing to share a serious concern regarding our familys interaction with Pro HealthCare [ https : //www.prohealthcare.org/ ]. In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX on XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
-Pro HealthCare [ https : //www.prohealthcare.org/ ] has been unable to identify the payment. As such, weve been contacted by the Pro HealthCare billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to Pro HealthCare that Pro HealthCare must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to Pro HealthCare, the response has been, Thats not my job. 

Neither XXXX, in its role as the XXXX coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and Pro HealthCare, the payee. 

Weve worked diligently to resolve this matter with Pro HealthCare but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

Pro HealthCare is currently requesting payment of {$380000.00}. Please note that there have been several iterations from Pro Healthcare requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and Pro Healthcare [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice
Product: Money transfer, virtual currency, or money service

My problem is with the company Venmo. I deposited {$250.00} wih the intent to transfer some of that overseas. Venmo locked my account for suspicious activity around the end of XX/XX/year>. They provided no information what activity they found suspicious. Venmo insisted I provide valid identification. I have done so on 3 separate occasions, the earliest on XXXX XXXX, XXXX. They have yet to respond. My account remains suspended. There has been no response to my repeated requests for access to my funds. 
The person I have been in contact with presents himself as XXXX.
Product: Credit reporting

Illinois XXXX of XXXX XXXX has inflated my child support amount up erroneously. Please see attached documentation to that effect. I have paid ahead of schedule and also have a post executed judgement against XXXX. Moreover, the alledge debt is not that the custodial parent of on Aid or belongs to the state. This is a wildly exaggerate estimate of back support that is userus and more important incorrect. When did the government get into to the business of settling perceived private debts. Debtor 's prison was outlawed a century ago ; consequently, why is this inflated incorrect amount being posted against my credit worthiness? The answer is this should be deleted immediately from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up XXXX  accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. 

A few weeks later, I noticed the personal loan and immediately got in touch with Dignifi. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to XXXX and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said Dignif on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. 

I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing Dignifi to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. 

In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. 

Additionally, when XXXX reached out about my dispute, Dignifi reported it as legitimate. 

On top of all of this, I asked Dignifi when I was on the phone what kind of XXXX  they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. 

Overall, the customer support has been terrible and they still have not resolved this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX had a data breach in which I was not notified so I don't know the damage to my credit report it has done
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached & Affirm needs to stop marking my complaints as duplicate because they are not duplicate complaints. If you see attached you will see the complaints are different notices
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter asking for verification of Items on my credit report. I referenced section 609 of the FCRA. This letter was sent on XX/XX/XXXX.

I asked for Physical Verification Creditor for the following creditors : XXXX # XXXX ( the status of this account showing chapter XXXX bankruptcy ) XXXX XXXX XXXX XXXX # XXXX ( shows 30 days late XX/XX/XXXX) XXXX XXXX XXXX XXXX # XXXX ( account showing chapter XXXX  bankruptcy ) XXXX # XXXX ( account showing chapter XXXX bankruptcy ) XXXX # XXXX ( account was paid in full showing chapter XXXX  bankruptcy ) I requested documentation proving these items accounts should be in bankruptcy and that their mine.
Product: Credit card or prepaid card

My debit card from Bank of America that my Unemployment is deposited to has been frozen for no reason for over a month. I have {$9000.00} in my account. There is nothing wrong with my EDD unemployment account. I have had my State Assemblyman helping me with this, to no avail. Four different requests have been submitted to unfreeze my account, to no avail. I have sold everything I own, and I cant provide for my family. This is so urgent I cant stress how important this is to get resolved. Please help me.
Product: Debt collection

I had a loan from XXXX XXXX  I do not remember the amount of it, but I got the balance to {$920.00}. I was making payment when I was able to, but they closed the account. Now I am getting emails from the current creditor to whom they say the debt is owed to name Velocity Investments , LLC. I am getting emails everyday.
Product: Vehicle loan or lease

YOU CLOSED MY PREVIOUS COMPLIANT THINKING IT WAS A COMPLAINT FROM XXXX THIS IS A NEW COMPLIANT! 

I sent a Cashier 's check with all appropriate paperwork on XX/XX/2023. I was very careful to send the payoff to the overnight lease address on the payoff paperwork. I have called US Bank 4 times to get an update as to why the account has not been paid in full and Title sent out. I have given them the person 's name and tracking number that signed for my overnight package. US bank won't confirm that person works there and doesn't know where the check is, all the while the account hasn't been paid off. I have asked for managers and have gotten nowhere. The indifference and gross negligence is why I am filing this compliant. I have a buyer for my vehicle who is now backing out because I can't get Title for a vehicle that I sent a payoff for almost 2 weeks ago.
Product: Credit card

Always pays my account in an situation but this company don't know that happen with my person whe they close my account without explication, i filling racism and discrimination over my person got excelent pay years old with they and they take decision of close to me. I need remove all to me credit rigth now because that cause poorto me reputation when they take decision of threat and racism, discrimination because I'm XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We opened an account with Wells Fargo in XXXX when we purchased our home. This was a Purchase Money Second and we have had the account with Wells Fargo for XXXX years. 

This account had a Balloon payment due XXXX XXXX, XXXX and we were notified by Wells Fargo prior and responded to them to refinance the second mortgage. Wells Fargo came to us on XXXX XXXX with an offer to amend/extend the existing Home Equity loan. We agreed to the terms and were told that it would be a quick process. We asked about payments and they said they would n't accept payments while this was being done but not to worry it would be a quick process. 

This process took Wells Fargo over 60 days to complete and in the meantime the placed a 30 day and a 60 day late payment on our credit report. In the 30+ years my wife and I have had credit we have NEVER had a late payment on anything EVER! This took our credit scores from over XXXX to the mid XXXX. Unbelievable. 

We worked with someone in their Home Equity dispute department who told us that their delays internally are not Wells Fargo 's problem that Wells Fargo is required to report those late pays even if it was their internal delays and they would n't accept any payments until Wells Fargo was done on their end. 

We have enough money in our retirement accounts to pay this loan off in full if we knew that Wells Fargo was going to place mortgage late payments on our credit. Now we are stuck because no one will extend credit with those late payments on there and Wells Fargo wo n't admit their wrongdoing. 

Our next step is to hope many people with the same experience respond so we can start a Class Action Lawsuit to resolve this issue. It seems the only way that Wells Fargo responds to or helps out their long customers that they have hurt. Please respond if you are one of their customers experiencing this issue or if you are an attorney that would like to represent this case for us and others. If you are Wells Fargo please do the right thing and fix your internal error that is costing my wife and I thousands of dollars by not being able to obtain proper credit terms.
Product: Debt collection

Charged off account that was past the 7 years took money from my savings account. I never received court papers to dispute this in court. Money was garnished out my savings account on XX/XX/2024 in the amounts of {$75.00} and {$88.00}
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} 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 Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX Banking account was fraudulently opened in my name, using my address and SSN ; however, alternate phone and email information was used. 

As account was being opened ( XX/XX/XXXX ), I emailed XXXX and XXXX and informed the company that these accounts were being opened fraudulently. 

My first statement was received in XXXX and I contacted Bank of America to notify them of the fraud and close the account. I completed a FACT Act Request Form and requested copies of account opening documents. These documents were received and confirmed as of XX/XX/XXXX. 

The account, which has a positive balance of {$170.00} was closed by Bak of America on XX/XX/XXXX with notification sent to me dated XX/XX/XXXX. 

I have made multiple calls to Bank of America Credit Fraud Unit and Legal Order Processing and have had no success in compelling the bank to provide me with copies of these documents for which I have the right to receive. Most recently, employees have encouraged me to seek counsel and direct inquiries to Bank of America Legal Order Processing and Case Resolution Operations ( or XXXX ) as they can see that I have completed the necessary information but they are unable to compel other departments to comply. 

All that I ask is for Bank of America to comply with the FACT Act and provide the account opening information to which I am entitled. I am seeking regulatory intervention so that I can avoid the cost of legal representation, which is a last resort.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : BK OF AMER - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 

Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report. 

Previous Notices : Please be informed that I have already sent notices directly to XXXX disputing this and other inaccuracies. Under the FCRA, you are obligated to conduct a reasonable investigation within a 30-day period and either provide the requested verification or remove the disputed inquiry.
Product: Student loan

As I had trouble at first paying my student loans, I started paying them later than I ideally wanted to start. I got approved for a Income Driven repayment plan, because my salary isn't very high. Things were fine for about a year or two. I was paying every month and my credit was getting better. 

After I got married, my husband and I filed our taxes jointly for the first time. Then, without notifying me, Fedloans changed the automatic payment amount from {$120.00} to well over {$700.00}. They said it was because we forgot to renew our application for income driven repayment plan, since apparently there is an expiration date. 

Once applying it asked if we would be willing to share our IRS tax information. My husband and I spoke to at least 3 agents from FedLoan and said that even though my husband makes more money, he wouldn't be responsible for my loans. After they REapproved the income plan, they kept the amount at $ 700+. Then we called again and this time we got a different answer. 

" Right.. He isn't responsible, but you're still responsible to pay your loan and this is based off both of your incomes. '' So how can they tell me that he's not responsible, then a week later, say he is responsible. I haven't been able to pay these past 2 or 3 months and now they're damaging my credit again. 

Unfair and very dishonest. 

If anyone 's reading this, and they tell you that your co-signer won't be responsible, DO NOT LISTEN. They are not " legally '' responsible, but the only option they give you is.. your husband is responsible because his income is $ XXXX, XXXX.