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

I reached out to the XXXX major credit bureaus to assist me and requested deletion on account errors on my account. Only Experian helped me and complied on the removal of errors, while XXXX and XXXX required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX Errors for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Student loan

My transcript from XXXX is being withheld now that I started school in XXXX XXXX XXXX, had known nothing about a debt with XXXX supposedly until XXXX when I stop attending XXXX back in XXXX. I told them I had an emergency and had move out of state and to withdraw me from any classes going into XXXX. Never told me I owe them anything and paid for all my classes while I was there, took loans out to pay all those accounting classes, was nearly done with my XXXX. Now that I transfer to XXXX XXXX 4 years later, I have to pay all my XXXX classes again because only my XXXX  transfer. Not eligible for XXXX XXXX because I used it all at XXXX as well.
Product: Vehicle loan or lease

My name is XXXX XXXX telephone number XXXX XXXX XXXX at XXXX I received numerous of calls from my car lender Ally financial after declining the calls because I work over night and was sleeping, the company called over 10 times back to back none stop. I have already set arrangements on the app to schedule a payment which Im only XXXX payments behind on. I have been with the company for over two years and have never been called this many times. I called today on XXXX XXXX asking to speak to a manager and they refused to let me speak to one.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have checking account with Wells Fargo I deposited my wife check and returned bank said this is bad check thats why we have close your account with out any issues because just one check was return
Product: Credit reporting

XXXX account XXXX, XXXX credit card account ending XXXX, XXXX account ending XXXX and XXXX credit card ending XXXX all paid on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. They have not reported these 3 month when they have been paid on time
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 nameXXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 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 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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : 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 need urgent assistance. I was approved for XXXX from the XXXX  HAF program after being approved for a combo mortgage modification in XX/XX/2023. I received approval modification documents from carrington mortgage that I had to accept, notarized and return back to carrington mortgage. According to my modification documents I had to make my first trial payment by XX/XX/2023. I called to make my payment on XX/XX/2023 and was told by carrington that my modification was canceled. I received the letter in the mail the same day. I was instructed by Carrington Mortgage to resubmit another modification application because according to them my monthly payment would decrease after they received the XXXX. I questioned why I would have to resubmit a second mortgage application when I was already approved and they carrington was already aware of my XXXX HAF approval. 

Carrington cancelled my mortgage modification on XX/XX/2023 the next day after receiving the XXXX which did not make me whole and the reason why I still needed the modification to address the past due arrears and XXXX escrow balances. 

I send a couple of follow up emails requesting a status check and to make sure I would not have to resubmit another application since I submitted a second HAF application for additional funds. On XX/XX/2023. I was told by carrington that the reason they denied me was because of the XXXX  HAF terms and guidelines could not be met and they informed me that they returned the XXXX back to HAF. I dont know why they would return the money and put me back in a worst position than I was in before resubmitting the second application. I dont know what to do. 

Carrington denied my second mortgage modification application and I provided the exact same information that landed me the first approval. I received an email from HAF stating I could apply for additional funds XXXX and I submitted a second HAF application which was denied because Carrington denied the second modification that they instructed me to submit to lower my payments.

They filed for foreclosure on my home. I resubmitted a third modification application with carrington.
Product: Debt collection

In XX/XX/XXXX I paid off through s company about XXXX to an XXXX XXXX XXXX  debt collector They said if I paid the lump some around tax time (XX/XX/XXXX/XX/XX/XXXX ) that the debt would be cleared and that they wouldnt be going after me ... .. 

A year later XX/XX/XXXX I tried to open an account and they said ( XXXX XXXX XXXX ) that I still owe about XXXX $ How is that if I paid their collectors XXXX in XX/XX/XXXX and was promised that the debt would be cleared?
Product: Credit card

I am reaching out to formally request the removal of specific information from my file. The details of the items requiring deletion are outlined in the accompanying report. 

Regrettably, I have become a victim of identity theft, and the charge in question was not made by me. In light of this, I kindly request that the aforementioned items be expeditiously deleted to rectify inaccuracies in my credit report. 

To address the identity theft incident, I promptly reported the matter to the Federal Trade Commission. Enclosed with this letter are copies of the Federal Trade Commissions Identity Theft Affidavit, providing further documentation of the situation. I urge you to take swift action in removing the contested items from my records. 

Your prompt attention to this matter is greatly appreciated, and I anticipate a timely resolution.
Product: Payday loan, title loan, personal loan, or advance loan

So I have already paid over {$700.00} of interest and I was never told that the small minimum I pay just goes to interest, but my full amount with interest was {$360.00} and the loan I took out was {$290.00} so how is it that I paid over {$700.00} worth of interest and was never told that nothing went to my loan at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$680.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. XXXX  is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be updated to report a {$0.00} balance. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient, as per an email I received in XX/XX/XXXX, was going to be servicing all my student loans which included approving forbearance requests on ALL of my student loan accounts. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

I have forwarded my XXXX and XXXX  credit reports to Navient 's Credit Bureau Management team which show that this is exactly what happened in XX/XX/XXXX. All of my reports show paid as agreed and then all of a sudden in XXXX of XXXX I was 90 days late. Now since Navient has multiple student loans on my credit report, 12 of them show 90 days late on my credit reports from XX/XX/XXXX which have created a huge hardship on my FICO score and lenders will not approve me for any business loans or lines of credit as my credit history looks like I was late 12 times on multiple accounts when in fact it is just one account that shows a 90 days late from Navient.
Product: Credit card

I have a Capital One credit card that I rarely use. XXXX made an unauthorized charge to this account on XX/XX/2015 in the amount of {$38.00}. I do not receive paper statements and I was n't aware this charge was made due to the fact that I do n't use this credit card much. I was called XX/XX/2015 and was left a voicemail on my home phone from Capital One. I went online to see if I could understand what they were calling about. I immediately saw that my card was showing past due and I called Capital One to see what I should do. They said that I should work it out with XXXX XXXX XXXX first before filing a dispute with Capital One. I called XXXX XXXX XXXX about the unauthorized charge. They apologized for the charge and agreed to refund the full amount back to my card. They refunded the full {$38.00} on XX/XX/2015. I called Capital One back and they said they would take care of the late charges and interest. They also said I would n't be reported late to the credit bureau. I happened to notice my credit score dropped around XXXX points. Capital One did report me for being XXXX days late for an unauthorized charge made to my account. I called Capital One again and they said I would have to file a dispute to correct this and that they could n't do anything to help me. I asked to be transferred to the Credit Reporting Department, and I was put on hold for XXXX minutes just to be told that I could n't be transferred to that department. I was originally informed from Capital One from XXXX different employees that I would n't be reported late. This incident really leaves me with little respect for Capital One. Bottom line, I am being penalized as the consumer that was originally considered to have excellent credit to poor credit after a circumstance happened that was outside my control.
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 XXXXXXXX, has violated my rights. 

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

There is an installment account that is reporting an incorrect account status, incomplete payment information and an incorrect balance. I have asked the credit bureau to provide verification to show proof by providing me with the original contract signed and dated by myself with an ink signature along with my statement history and I still have not received it. Yet in still this account has remained on my credit report damaging my credit worthiness to other creditors. I submitted several disputes about this account with Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also filed a complaint on the CFPB website on XX/XX/XXXX and I have not received a resolution. If you look at the payment history for this account on my report it reads it was placed in collection on XXXX of XXXX. If that is true how is it on XXXX of XXXX it begins to read as an open account and is 120 days past due up until today. In XXXX my report stated the balance was {$19000.00}, now the balance has been lowered to {$13000.00}. This clearly indicates there was a discrepancy in what was reporting however, Experian never sent anything to say why the balance was changed, show proof the balance that is reporting is in fact correct or explain how an account changed from closed to 120 days open after 3 years and 8 months. I have pictures to upload the dates and responses from the disputes along with what is showing on my report. I am requesting this account to be removed completely from report as it has done tremendous damage to my credit for 6 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank, Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Checking my report today and I noticed someone used my information to call about some stuff without my consent I never gave nor know about. I focus hard on making sure my credit is good to support my family and as you know under the Fair Credit Reporting Act anything reporting inaccurate on my account should be removed. Please do not add any remarks to report.
Product: Student loan

Constantly my amount is going up, i let them know that my kids and are displaced in a transitional housing for the homeless, i get email, calls i thought i paid dwn my interest but its still high i feel im being rip off. They keep changing the agreement and intrest its enormous, they are causing such pain and lost that i dont know what to do with this.help please.
Product: Credit card or prepaid card

On XX/XX/2023 target red card, took it among their selves to charge my bank account {$630.00} without my permission, and without my knowledge. there was no automatic pay and I did not schedule an ACH payment. I made the number of complaints prior to this company. Because of this issue I had to spend my time calling my bank to dispute the charge. if I did not give them permission to do that, they had no legal right to pull out {$630.00} from account because of this, I had other transactions didnt get paid and I occurred fees of {$170.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I agreed to co-sign a {$7000.00} student loan dated XXXX. Two loans dating XXXX ( {$15000.00} ) and XXXX XXXX {$11000.00} ) have since been added to the same account without my knowledge, permission or consent/signature. The two additional loans were not disclosed to me and I only found out when I went to refinance my home that they were in existence. Upon discovering the additional loans I contacted Sallie Mae and reported the loans as fraud filling out a police report in the process. Sallie Mae refused to remove me from the two additional loans stating that as I had signed for the first loan I was then committed as a co-signer to all future loans. This is deeply concerning as based on Sallie Maes logic they would hold me responsible for any future loans as well without disclosure or consent to the amount co-signed. As it does not have my signature I clearly did not approve these loans and therefore should not be held responsible as a co-signer for the additional {$15000.00} and {$11000.00} loans. Please see the contract attached.

In addition Sallie Mae has made no effort to work with the primary loan holder to refinance these loans. The primary has made several attempts to remove me as co-signer once I filled the fraud report.