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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

I received my credit report and noticed Elevate Recoveries , LLC placed an open collection on my report in the amount {$2200.00}. 
First, I do not have a legal contract with this company. Secondly, Elevate Recoveries is in violation of consumer law code 15 USC 1681a Section 3. Per 15 USC 1681a Section 3 Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
This company has also violated H.R.2537 - Consumer Protection for Medical Debt Collections Act per Congress.gov. that states This bill restricts the inclusion of medical debt on a consumer credit report. 
A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old. 
Lastly, the Elevate Recoveries violated the HIPPA law. The HIPAA law protects patient privacy, including third-party debt collectors accessing your information. I never provided a HIPAA release form.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to demand the immediate removal of incorrect information from my credit report. Despite contacting the credit bureaus multiple times, inaccurate details persist, which violates the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information to be Removed : NXXXX 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 XXXX XXXX XXXXXXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement : The FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information on credit reports. The incorrect addresses and employer information clearly violate this provision. 

Right to Dispute : As a consumer, I have exercised my right to dispute inaccuracies multiple times. The credit bureaus are required to investigate and correct these errors within 30 days, which has not occurred. 

Obligations of Furnishers : Furnishers of credit information must provide accurate data. The continued presence of incorrect information indicates a failure to comply with FCRA obligations. 

Timely Corrections and Notifications : The credit bureaus and furnishers must correct any inaccuracies and notify me promptly. Despite my repeated efforts, these requirements have not been met. 

I request the immediate removal of all incorrect information from my credit report. I am providing my correct information below for your reference : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and the actions taken to resolve these issues. 

Thank you for your immediate attention to this matter. 

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

M & T bank have been with them since XXXX, never been late on a payment for any creditors. thought I made a payment which I didnt. So when I tried to make my XXXX payment I noticed I was past due. Contacted M & T right away they waived the late fees, and made my payments. They never contacted me. They had wrong phone numbers. They could have emailed me to notify me so I can pay it ASAP. Please remove from my credit score. If you go through my credit history I never miss payments. Please remove it. It was an accident! I asked M & T to remove it and they stated they couldnt remove it anymore since it was 30 days.they could of emailed me or something! This is not right. From someone who is always paying on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2019. I submitted a dispute for all 9 of my department of education loans, disputing the monthly payment amount. Experian disputes the wrong information. So I had to open a new dispute to dispute the monthly payment amount on XX/XX/19. Experian told me to send in proof if I had it and they would attach it to the open dispute. I found out on XX/XX/19 they closed my XX/XX/19 dispute and opened a new one. On XX/XX/19 the department of education/Nelnet send Experian the correct monthly payment amount of zero for all accounts. Experian says they have nothing and the dispute will remain open until XX/XX/2001. Every time I call I get people I other countries who dont understand what Im talking about. This is effecting my credit to debit ratio and Im unable to do anything with me credit because of this issue. All other credit companies have the accurate monthly payment amount except for Experian.
Product: Credit reporting or other personal consumer reports

This complaint requires your immediate attention, as it has not been submitted in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This is a deeply concerning issue that has caused me significant stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and XXXX, XXXX and Transunion and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed immediately!
Product: Prepaid card

We were gifted a gift card from Vanilla for our wedding and when we opened it there are missing numbers and the card does not work.
Product: Credit reporting or other personal consumer reports

Hello! I was checking my credit report for the first time in a while and I noticed that there were unauthorized credit inquiries which is fraud and i would greatly appreciate if they could be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for 3 weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day.

2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success.

5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to trans union 's website to file and it became very difficult and cumbersome.

Any assistance in getting this matter cleared up would be appreciated.
Product: Student loan

I have consolidated then refinanced my student loans from XXXX XXXX, then Discover, and now currently XXXX XXXX XXXX. In 2018, I refinanced the total amount from XXXX XXXX to Discover. In doing so, Discover was tasked with purchases those loans from Discover. According to the records on XXXX XXXX, Discover bought {$25000.00} of loan # XXXX and {$23000.00} of loan # XXXX in XX/XX/2018 ( {$48000.00} in total ). However, the total amount of loan # XXXX was {$29000.00} and the total amount of loan # XXXX was {$26000.00}, which equals {$56000.00}. 

In short, they never purchased the full loan amount of either, leaving {$7300.00} in an account I believed to be closed. Those loans have accrued interest, unknown to me, over the course of XXXX years, leaving me with nearly {$12000.00} owed in an account that I was told had been bought, refinanced, and closed. It's also of note that I never received any indication from XXXX XXXX that these loans were delinquent, which gave me no reason to suspect anything odd. 

Now, once I had discovered this, I reviewed my documents and came to the above conclusion. Then, I contacted XXXX XXXX. They told me that this was the fault of the lender that refinanced, Discover. I then called Discover, and have had an ongoing XXXX month case opened to look into this. The employee I contacted and have been working with has been very kind, but Discover makes it very difficult for him to help beyond sending it to another department. He believes that it was likely a typing error done by anther employee. However I've received no indication that this is being handled in any way by Discover. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

I am unable to get my free annual credit reports from Equifax, or to login to myequifax.com because they claim they can not verify me. I have called numerous times, today being the most recent time, and after giving them all of my personal information, and providing pictures of myself and my photo ID, they say that their computer is unable to verify me... this has been going on for awhile... I have no idea what to do at this point. They asked me to mail in a picture of my photo ID and my social security card, and to write up and explanation of what is going on and they will try to take care of it. I tried this previously and nothing was done. As a consumer, I am trying to exercise my right to review my credit report for accuracy and they are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for all three big business bureaus XXXX, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX XXXX  XXXX  open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there XXXX Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get XXXX app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX  had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

My husband got hurt at work 3 years ago. We have had a hard time keeping up with payments. I have started to work to help out but our payments are behind. We dont dispute that we are doing the best we can and are almost back up to date on payments. The problem is that they will call us XXXX times a day when they know we are at work and not able to answer or phones. When we do answer the phone they are always rude and telling us how what we are doing is not good enough and we just need to move out. We have been told many time that they are about to forclose and they leave this on my husbands voice mail after we told them he didnt have that number any more in hopes to cut down the calls to his number. It has got to the point that we dont want to answer the phone at all to talk with them just to be told we are not good enough and that sending our whole paychecks in to them isnt good enough. The company is Ditech. If there is something that can be done please help us. We are at our wits end with them.
Product: Credit reporting or other personal consumer reports

XXXX companies Places hard inquires on my credit report on XX/XX/2023 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: Mortgage

I filed a chapter XXXX bankruptcy but the court did figure my mortgage in the bankruptcy. I have paid it all along. XXXX sold my mortgage to a collection agency. There are errors on my escrow analysis and the way they are reporting to the credit bureau. Ditech refuses to talk to me because of the bankruptcy and will not let my attorney tell them they can talk to me. So how do we correct the errors?! They also waited a year to inform me of documents they had drawn up. It appears to me that they think they have no accountability.
Product: Credit card or prepaid card

I had a promotional balance transfer balance of {$3100.00}, entering the statement cycle. That cycle, XX/XX/XXXX to XX/XX/XXXX, I made four purchases and two payments. The purchases : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of the month, the promotional balance was XXXX, meaning that XXXX of the payment on XX/XX/XXXX was applied to the promotional balance, rather than the charges made on XX/XX/XXXX and XX/XX/XXXX that carried the higher balance. When I called Wells they said that they " generally '' apply the payment to the higher balance, as " a rule of thumb '' but that " there is no guarantee ''. The customer service rep even admitted that it it two lines in the terms of agreement. I feel like I have been punished for proactively paying down my debt.
Product: Credit card

XXXX XXXX Order Date : XX/XX/year> XXXX Purchase ID : XXXX Order Number : XXXX Delivered XXXX. XXXX, XXXX  I ordered 4 ( FOUR ) 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 each with tax of XXXX I received XXXX ( XXXX ) of the items. 
The shipping box contained 4 ( FOUR ) boxes for hard drives. 3 ( THREE ) of the boxes were empty and 1 ( ONE ) of the boxes contained a hard drive. 

I submitted a ticket to XXXX support the day I received the order advising them of this. 

After almost a month of back and forth they closed the issue as resolved. 
I told them I would contact the credit card company to issue a chargeback. 

I sent a letter to the card issuer as this was the only way to dispute a transaction. 
I attached all of my email correspondence to the letter as well. 

I mailed this on XX/XX/year> to Comenity Capital Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 

I have not heard back from the credit card company. 

I am attempting to recoup XXXX from them as that is the total for 3 hard drives with tax.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account ( XXXX XXXX XXXX XXXX  XXXX ) that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24 and XX/XX/24. I am now requesting you Investigable and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.