23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a private student loan with Wells Fargo that is currently in their collections department. I have tried with great effort to pay on this account and to bring it current. XX/XX/2016 I applied for a financial hardship forbearance to help reduce or delay my monthly payments and was denied. On XX/XX/2016 I called and spoke with a Wells Fargo representative ( employee ID # XXXX ) with my concern over my past due amount and monthly payment amount. I asked her what I had to do to bring my account current and be eligible for a forbearance. She told me that if I made three consecutive payments of {$70.00} they would be able to place the remaining balance due to the end of the loan, bringing me current and granting me a forbearance. I made payments of {$70.00} for XX/XX/XXXX, XX/XX/XXXX and XXXX as they requested. I even called Wells Fargo XX/XX/2016, to confirm payments made and that the agreement we made was still in place and they ensured me it was. The XXXX payments were paid on time. ( however they still charged me late fees ). On XX/XX/XXXX and XX/XX/XXXX I called Wells Fargo to discuss the position of my loan, preparing to have it brought current and a forbearance be put in place. XXXX Wells Fargo representatives that I spoke with acknowledged the agreement they had made with me on XX/XX/2016 however, they would not work with me on a forbearance or bringing the loan current. They absolutely refused to help me. My income is approximately {$1500.00} a month. My living expenses alone account for almost 75 % of that. My loan amount with Wells Fargo is {$7200.00}. I am not looking to dismiss the loan, I am only looking to cease payments for a period of time or lower my monthly payment to one I can afford. I am concerned about this loan and how it continues to affect my credit. I would greatly appreciate any help and/or guidance with this situation. Thank you
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 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States 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 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 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've recently received a copy of my credit report and noticed several inaccuracies and fraudulent reporting on accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Bank account or service

Bank of America closes an XXXX years old checking account that has impeccable records, based on " business decision '' without giving any specifics. The closure leads to closures of XXXX credit cards issued by Bank of America. Earned rewards are confiscated, pending rewards are forfeited. XXXX credit cards are in good standing through all their histories. 
Please see attached write up of the complaint.
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 15 USC 1681. 

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 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 has violated my rights. 

1

5 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 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

Hello, I applied for a job with XXXX. They used Microbilt Corporation who is a credit report agency. 
I was told that I have an eviction on my record. My name is XXXX XXXX social security number is XXXX. 
They gave me a copy of the Eviction on my record. This Eviction has another person 's name as XXXX XXXX I 'm XXXX XXXX. But it shows my social security number on her Eviction. I never lived in the address that is XXXX XXXX XXXX XXXX XXXX, Wi XXXX. 
I found the owner her name is XXXX XXXX XXXX XXXX XXXX XXXX. After many attempts I finally was able to speak to her several times. I sent her a copy of my license and she checked her files and finally stated that I AM NOT THE PERSON who lived there. 
I called Microbilt Corporation XXXX and tried to give them this information, since they were the ones that XXXX use for credit information. But they said that it is not their problem. That all they do is get the information from the county where the Eviction was file at. I called the County of XXXX Wisconsin ( XXXX ) XXXX And they Also stated that first of all it was NOT ME and that they never put social security numbers on the Eviction record. 
My problem is with Microbilt Corporation. XXXX who are the ones that is reporting that I have an eviction and even with all the information I gave them, they wo n't help or delete this Eviction that has a different name XXXX XXXX ( my name is XXXX XXXX ) but ONLY THEY have my social security number associated with this person 's name. When I looked at my credit with XXXX XXXX, it shows that Microbilt Corporation did request my credit information. Can you please help me correct this? Having an Eviction on my record is very damaging and on top of this, IT 'S NOT MINE!! But when I try to give them my information, they are short with me and do n't want to deal with me.. They are very unprofessional. It almost seems like they are some sort of scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out about this account multiple times and have yet to get the issue resolved. The credit bureaus are reporting inaccurate unverified info on my credit report that I want to be deleted immediately. Please see attached documentation
Product: Credit reporting or other personal consumer reports

Experian, Equifax and TransUnion have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TransUnion have neither corrected nor removed disputed items with late payments 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I told them I did not live at that address but they put it on my credit report so I disputed it.   It was removed but put back on After the 7 year statutory period. I have Never lived at  XXXX   XXXX   XXXX ,  XXXX , Ny  XXXX !
Product: Credit reporting or other personal consumer reports

FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as Equifax, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/year> Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA XXXX XXXX and Equifax and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} XXXX XXXX : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX  DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Payday loan, title loan, or personal loan

Tower Loan of XXXX Missouri is repeatedly calling my husband, my friends, my past employer as well as coming to my home after I have repeatedly told them to stop. I lost my job & have not been able to make my payments therefore I am going to be filing bankruptcy to help clean out some debt. They have repeatedly told me over the phone that they are going to threaten legal action & garnish my husbands paycheck for XXXX XXXX if I dont make payments. The loan isnt in my husbands name. It is in my name. They are using threats & intimidation to get me to pay money that I absolutely do not have to give. There is no extra income coming into the household that would allow me to pay those payments. I am not going to leave off rent & utilities & groceries just to pay a loan company. When I applied & was approved for the loan, I was making more than enough money to pay the loan. I was paying all payments on time & they were not late until I lost my job. They have been harassing me for several months after I have reached out to the company & made complaints. I want this harassment to stop.
Product: Debt collection

received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.
Product: Debt collection

midland funding has not responded to my 609 and 611 letters for deleting incorrect info but they are still reporting false info dates ; XX/XX/2020 amounts is XXXX
Product: Debt collection

The collection company reported an verified account to the credit bureau that damaged my credit.
Product: Checking or savings account

I was ignored and refused refund by XXXX and talked over time and time again about this alleged contract. The agent I was speaking to was not understandable and kept telling me the account was closed but would not acknowledge a refund for what was taken.
Product: Debt collection

I want to know if the XXXX is the real collector. This is the name of the collector : CMRE Financial Services , Inc .
Product: Checking or savings account

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ME, XXXX ] [ XX/XX/2023 ] Early Warning Services Consumer Services XXXX XXXX XXXX XXXX, AZ XXXX Re : Consumer # : XXXX Dear Consumer Services, I am writing in response to your letter dated XX/XX/2023, regarding my request received on the same date. Thank you for your prompt response, but I would like to seek further clarification on certain aspects of your reply. 

While I understand that Early Warning does not offer direct-to-consumer products for opting out and that information in your database is acquired from financial institutions as allowable by law, I am keen on gaining a deeper understanding of the specific legal provisions that govern this acquisition process. Therefore, I kindly request additional information on the following points : 1. **Legal Basis for Information Acquisition : ** - Provide detailed information on the specific legal provisions that allow Early Warning to acquire information from financial institutions, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Understanding the legal basis for this acquisition will help me appreciate the transparency and legitimacy of the process. 

2. **Exemption from Freeze Information Requirement : ** - I appreciate your mention of the FCRA exemption under Section 603 ( x ), which relieves Early Warning from the requirement of accepting or referring freeze information to other consumer reporting agencies. However, I seek further clarification on how this exemption aligns with the FCRA 's broader objectives of consumer protection and privacy. Please elaborate on the specific circumstances that warrant such an exemption. 

3. **Website Information and FAQs : ** - Your letter directs me to visit www.earlywarning.com/consumer for additional FAQs. I request that you provide specific information on the website regarding the acquisition of consumer information and the legal framework governing this process, as well as details on the exemption from freeze information requirements. Clear and accessible information on your website will contribute to a better-informed consumer base. 

I believe that providing this additional information will contribute to transparency and help me better understand Early Warning 's practices within the framework of consumer protection laws. 

Thank you for your attention to these matters. I look forward to a comprehensive response. 

Should you have any questions or need further clarification, please do not hesitate to contact me directly. 

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

I disputed a company by the name of " midland credit and XXXX  has not requested this company to prove the collection account is mine. I do not know who this company is. The amount is XXXX dollars, and I had to ask XXXX  twice to file a dispute. the first time I filed a dispute about this company the dispute number was XXXX, and when I called to check on the dispute they said they did not know what I was talking about. I filed another dispute XXXX, and they did not investigate, they just settled on non-information from this company " XXXX XXXX. I sent XXXX XXXX a dispute and they never sent me proof that the account was mine and the thirty days were up. And I disputed through XXXX  and they did not do a proper investigation. 

XXXX  will not disclose to me how this company ( XXXX XXXX  ) proved that this account is mine, I do not know who XXXX XXXX is. The other account is XXXX  XXXX XXXX  did not ask for them to send information that I owe that amount, the account number is XXXX, I do not owe this amount and I don't know who this is the company is, XXXX  does not request a proper proof. both disputes are under XXXX. When I called the associate, the XXXX  associate had trouble understanding XXXX and I tried my best to explain but the disputes are not properly being verified, and midland credit puts derogatory information on my credit report with XXXX  every other week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit report from TransUnion. I did not get the report because my " online authentication failed. '' Then, I saw that they had charged me, without ever mentioning in the application that there was a fee!
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management for potential violations of the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the Complaint : Failure to Provide a Timely Debt Validation Notice : I received the first phone call from Midland Credit Management regarding an alleged debt on XX/XX/year>. 
However, I did not receive a written debt validation notice until XX/XX/year>, which is 16 days after their initial communication. According to XXXX U.S.C. 1692g ( a ), the FDCPA requires a debt collector to provide a written notice of the alleged debt within five days of their initial contact. 
Refusal to XXXX XXXX XXXX XXXX : When I attempted to send a debt validation letter and notice of dispute, Midland Credit Management refused to provide an email address or any other electronic method to communicate with them. 
This refusal creates unnecessary barriers to disputing the alleged debt and validating its legitimacy, potentially infringing on my rights under the FDCPA. 
Request for Collection Efforts to Cease : Given these violations and my ongoing dispute of this alleged debt, I am requesting that Midland Credit Management cease all attempts to collect this debt from me immediately, as allowed under 15 U.S.C. 1692c ( c ). 
How This Affects Me : These practices have caused significant frustration and distress. Their failure to provide a timely validation notice has delayed my ability to address this matter properly, and their refusal to accept electronic communication has created unnecessary obstacles. 
Requested Resolution : I request that the CFPB investigate Midland Credit Management 's actions and : Ensure that they comply with the FDCPA by providing timely debt validation notices in the future. 
Require them to accept electronic communication methods for disputes and validation requests to ensure accessibility. 
XXXX them to cease all collection attempts regarding this alleged debt. 
Take appropriate enforcement actions if violations are confirmed.
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 particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

BANK OF AMERICA XXXX Balance {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the consumer file held with FactorTrust regarding myself, I found that this company is reporting incorrect personal information regarding me on file. I reached out to this company via USPS mail twice with a written dispute clearly disputing all incorrect information and clearly providing the correct personal information. In both written dispute letters I included a copy of my ID and proof of address via bank statements. Both attempts to dispute were not investigated or corrected and I have not recieved a response to my correct address provided to FactorTrust. I will be pursuing legal steps since FactorTrust continues to violate my rights under The Fair Credit Reporting Act by refusing to properly investigate and DELETE the incorrect information it is reporting on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXXXXXX
Product: Debt collection

Before XXXX I was an uninsured unemployed XXXX in need of emergency medical care so I went to XXXX XXXX ( Indiana ) hospital XXXX. Resultant in a medical bill that is with collection agency named Miramed Revenue Group ( XXXX ) in amount {$910.00}. I would like an opportunity to settle this so it can be removed from my credit, please. This company has many reviews that complain about its lack of Customer Service
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXX/XX/XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm XXXX, I received a letter stating to freeze my accounts because someone was commiting identity theft in my SSN. So I froze all three. When I moved to Arkansas in XXXX, I forgot the letter to unfreeze the accounts. However, I have unfrozen my XXXX and XXXX with ease. 

Experian will not unfreeze my account. Everytime I try, the company doesn't know who I am or the company website doesn't work after providing information. I'm trying to get a home and everything goes through EXPERIAN.