23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was on my credit report years ago.. I wrote XXXX credit bureaus, XXXX.. I disputed owing this bill this bills years ago.. All XXXX credit bureau dismissed an removed this from my credit report. Now i am getting threating letters again from Convergent. Same bill XXXX I so not owe this bill. Please stop this. Stop the harrassing letters etc..
Product: Money transfer, virtual currency, or money service

I did XXXX wire transfers from my bank to an online crypto. The money was scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loan servicer XXXX sent me a notice dated XX/XX/ that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed immediately.
Product: Consumer Loan

The auto finance company has filed Civil Court documents against buyer and co-buyer after the company received Complaint 's about code of ethics, and compliance issues. Relating to customers especially directly effecting said account, the complaint have Harassment, discriminatory behavior, fraud, Trickery, etc. Over a " supposed closed account '' This is over the years ; continued to current, In that time payments continued, programs continued on the account. Office Of The President was worked with, Vice President, Assistant Vice President. Individuals have used persuasion through use power and Title positions with direct statements attempt to drop complaints. They prematurely Place the account for closed on XXXX Credit bureau in XX/XX/XXXX-XX/XX/XXXX, The Account was opened XXXX XXXX and Without reason Notification the Account was with a balance of XXXX closed via XXXX XXXX XXXX status CLOSED DEROGATORY CHARGE OFF AS BAD DEBT, Open XX/XX/XXXX- XX/XX/XXXX.This was not seen on XXXX until XXXX XXXX when major problems arise. The vehicle remained in possession of loan with payments entire time until date. Year XXXX Payment programs and arrangements were on the account, special programs where on the account lowers interest etc. many ethical complaint Santander would not accept mail in payments on the loan because they would not identify the loan or assign an alternative to not charge XXXXfee this created the account to cost more than others as the account payments are processed through automatic system. After months of attempting to resolve an Account manager was assigned to process payments, this was successful until the manager failed to follow up in the account as specified by the manager he was to be the contact even after several calls to him and his co-workers it appeared Santander has a plan. Then in XXXX XXXX attempted to illegally repossess, they did not follow proper attempts to send agents per contracted program that was in effect for the vehicle attempt there was much safety issues created which the company was either intentionally directly or indirectly involved which cause was poor intended incidents harm situation during the process. The company assured an account investigation, among other investigations, which nothing happens. They actually took the credit reporting from one source of reporting and moved to another XXXX XXXX, and move to XXXX and closed that account still addressing no ethics concert this included Investors, CEO, CFO, Presidents. Instead the company retaliated with a Civil Division when no notification was ever given and no statements on the account have been received since they stated not to on XXXX XXXX, XXXX. The civil paperwork is dated XXXX XXXX, exactly 1 month and 18 days after moving the credit reporting around. And no contact whatsoever after they were working on settlement until they were aware that they fraud credit reporting. As well they also at that time where full aware of incidents of poor and harmful incidents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Under the new Rule REGULATION F, effective XX/XX/2021, it has come to my attention that MIDLAND CREDIT MANAGEMENT has violated the FDCPA 1006.30a and its new rule by reporting this alleged debt. 
To clarify, I have not provided written permission for any entity, including MIDLAND CREDIT MANAGEMENT, to report any information on my credit profile as per 15 USC 1681b2. This constitutes a clear violation of my rights under the law.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

Sponsored Listings XXXX XXXX XXXX XXXX XXXX XXXX PREMIUM ( XXXX ) XXXX XXXXXXXX XXXX Real Estate Law, Business Law, XXXX XXXX XXXX XXXX XXXX Profile XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, Business Law, Real Estate Law Website Email Profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, Personal Injury Website Email Profile XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company called me at my work place after asking them not to on XX/XX/XXXX.Once they finally stopped they called my fianc leaving her messages on both XX/XX/XXXX and XX/XX/XXXX which she has on her phone stating  the debt that I had with them, saying that they did n't want to stay until XXXX XXXX XXXX XXXX and I had to call them back before that time. They even said they were a debt collector on her voicemail. I have told them that I was facing financial difficulties and I am working to get payment to them as soon as I can. I feel at this point that I am being harassed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Product: Debt collection

This collection agency got my medical information and should n't have. I signed statements on this account they have on file that the account was n't mine. 
They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They XXXX called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information in error. No collection agency should have been given my medical financial information. 

This company has filed an account on my credit report, even though I disputed this account, yet it stayed on my record and they continue to harass me every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account xxxxxxxxxxxx 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Report Number XXXX XX/XX/year> {$3.00}, XXXX. Account is paid and closed Report XXXX XXXX XX/XX/year> XXXX. {$630.00}. Paid, Closed. 
XXXX. {$600.00}, XXXX, XXXX. 
XXXX XXXX XXXX XXXX. {$180.00}, Paid in settlement. 
XXXX XXXX XXXX  {$400.00}, XXXX, XXXX. 

Report Number XXXX XX/XX/year> XXXX XXXX XXXX. {$4500.00}. Account charged off.
Product: Debt collection

I have disputed this debt with XXXXXXXX XXXX XXXXXXXX as well as XXXX. I had a roommate at the time at the apartments now called the XXXX XXXX XXXXXXXX. This debt is {$6800.00}. I am XXXX  and currently XXXX  and am unable to obtain an apartment. My car is falling apart and I can not afford this at all. I have been sleeping on couches with friends and will be XXXX XXXX XXXX XXXX XXXX XXXX. This debt is not valid and the charges are outrageous. No pictures can be provided to verify this and no reasoning as to why. It has been on my credit for about 6 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Convergent Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us dept of ed/XXXX Account # XXXX, Account Name 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: Mortgage

In XX/XX/XXXX, I called B OF A ( XXXX XXXX XXXX XXXX, that I would like to pay {$140000.00} towards my principal. The B of A ( Bank of American ) said due to COIVD19 they are closed and I should call B of A back in XXXX. I also visited 3 different branches of B of A, and all these branches were closed in XXXX. 
In XX/XX/XXXX, I called again and B of A was closed. 
In XX/XX/XXXX, I called and informed the Bank of America ), that I would like to pay {$140000.00} towards my principal in XXXX. Because of Covid 19, the bank told me that it's better that I wait till XX/XX/XXXX, and the bank will put me in deferring 3 month payment plan. I told the B of A that I want to pay now, but the Bank Rep advised me not pay now, because the government might provide some grant to business owners. Since XXXX first, the Bank of America started charging me interest, and I told them that I have the mortgage payment sitting in my account ( $ XXXX ), wanted to make payment MANY times, and why they are charging me ANY interest! 
In XX/XX/XXXX, I called B of A ( at time XXXX and talked with XXXX XXXX XXXX, and after 38 minutes on the line, the bank Rep told me the bank system is changing, my issue will be taken care of and I should call back again. 
In XX/XX/XXXX, I called and informed the Bank of America that I would like to pay {$140000.00} towards my principal from XX/XX/XXXX. 

In XXXX, all my account balance became XXXX ; I called B of A, and they told me that they are updating their system. 

In XXXX XXXX ( at XXXX I talked with XXXX from B of A, I was transferred to XX/XX/XXXX then XX/XX/XXXXXXXX then XXXX XXXX and I talked to supervisor XX/XX/XXXX ( at XXXX XXXX XXXX XXXX, and the supervisor promised to calculate my mortgage as well as providing me with the credit for the unjust interest. NOTHING Happened. I spend more than 2 hours that Day. 

I called XX/XX/XXXX, I talked with XXXX, and she said I have no IDEA! and advised me to wait more. 

I called on XX/XX/XXXX and Talked with XXXX XXXX and XXXX : XXXX ), and they transferred me to XXXX to Waive the interest with complaint number : XXXX. 

At XX/XX/XXXX, I visited B of A branch at XXXX XXXXXXXX FL, Spoke with the loan officer ( no body was there ). I talked and explained my situation with XXXX and I paid {$140000.00}. 

I talked to XXXX XXXX ( B of A supervisor at XXXX XXXX XXXX XXXX XXXX, I talked with XXXX supervisor, They promised to call me back and never Did! 

I talked with Mr. XXXX for 37 minutes, I talked with XXXX, they put a complain : XXXX and another complain XXXX. Called XXXX, 45 minutes. 

Finally, I talked with XXXX ( Rep from B of America ) complain number : XXXX for 20 minutes, and XXXX told me that her supervisor XXXX will call me in 24 hours, if not, I have to call COO of Bank of America XXXX XXXX at XXXX XXXX ) XXXX XXXX. I called 3 times and received no response. 
This is my 8 month Misrables experience with Bank of America.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit Report ( FCRA Violation ) Dear Experian, I am writing to formally dispute the inaccurate information on my Experian credit report, and to raise concerns that your actions may be in violation of 15 U.S. Code 1681o under the Fair Credit Reporting Act ( FCRA ). I believe your actions constitute willful noncompliance with the FCRA, and I am requesting that this issue be promptly resolved. 

The specific item I am disputing is [ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I have made previous attempts to resolve this issue through your standard dispute process, but despite my efforts, you have failed to properly address the inaccuracy, which I believe is a violation of my rights under the FCRA. 

Details of the Dispute : Account Name or Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nature of the Discrepancy : [ Incorrect Credit reporting errors ] Date of Previous Dispute or Communication : [ XX/XX/year> ] As I understand, under the FCRA, credit reporting agencies are required to conduct a reasonable investigation and resolve disputes within 30 days. To date, I have not received a proper resolution, nor have I been provided with any evidence that you conducted a thorough investigation, despite your legal obligation to do so. 

Given the lack of response, I believe your actions, or lack thereof, may be a willful violation of my rights under the FCRA, specifically under 15 U.S. Code 1681o, which allows for civil liability when a credit reporting agency willfully fails to comply with the law. I am requesting the following actions : A full and prompt investigation of the disputed information. 
Immediate correction of the inaccurate information, or a formal explanation of why the information is accurate if no corrections are made. 
A written response indicating your actions in investigating this dispute, and the results thereof. 
A formal acknowledgment that my dispute rights under the FCRA have been respected moving forward. 
Please provide me with a copy of the results of your investigation as required by the FCRA. If this dispute is not resolved in a timely and satisfactory manner, I may pursue legal action under 15 U.S. Code 1681o for willful noncompliance. 

Please be advised that I will keep detailed records of all communications regarding this matter, and I am prepared to take further action if necessary. 


Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations ; Not mine ; names, numbers and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE LA XXXX XXXX DE LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FCRA Violations ; add payment history : XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX U S DEPARTMENT OF ED XXXX XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming to be a debt collector that is collecting on behalf of PayPal the amount of {$350.00}. I do not owe PayPal anything and I know for a fact that someone created a fraudulent PayPal account in my name, using an email I have never owned because they paid themselves XXXX $ twice back in XX/XX/XXXX. PayPal did not honor my request to reject the charges and my bank ended up paying for the fraudulent charges. Now this letter tells me I owe XXXX! I wasnt me! I am writing this to this portal cause I know PayPal is gon na. I ti he to believe it was me when it wasnt. I worked so hard to build my credit and it is so unfair!
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic, I experienced significant financial hardship, which temporarily impacted my ability to make timely payments on my auto loan with Wells Fargo Auto XXXX Specifically, I missed payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. These missed payments were directly related to pandemic-related financial difficulties, which affected millions of Americans during this unprecedented period. 

Despite these challenges, I took steps to regain financial stability and ultimately paid off the entire loan early, demonstrating my commitment to fulfilling my obligations. Since the pandemic, I have worked diligently to improve my financial health and restore my credit standing. 

In light of the unique challenges faced during the pandemic, I am respectfully requesting that Wells Fargo Auto re-evaluate my account and consider removing these late payment entries from my credit report. Many financial institutions offered XXXX accommodations, such as payment deferrals and alternative arrangements, to help consumers manage their obligations during this time, and I believe these considerations should apply to my case as well. 

I have already reached out directly to Wells Fargo Auto with this request but am submitting this complaint to the CFPB in hopes of receiving assistance with my request for resolution.