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

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

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

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

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

In accordance with the Fair Credit reporting act 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit card or prepaid card

I had an hotel reservation on XX/XX/2022 for {$130.00} that I had to cancel due family funeral. I have tried to dispute through Capital One but they did the investigation but came back charge was put back on my card.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the failure of a credit bureau to properly reinvestigate and remove an incorrect late payment from my credit report. This late payment is associated with my XXXX XXXX account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my request, made under 15 USC 1666 ( b ) and 15 USC 1681s-2 ( a ) ( 2 ) ( A ) ( i ), the credit bureau has not complied with its legal obligations to reinvestigate and correct this inaccurate information. This failure has caused significant harm to my credit score and financial well-being. 

I kindly request that the CFPB take immediate action to ensure that the credit bureau adheres to its responsibilities under the Fair Credit Reporting Act ( FCRA ) and promptly removes the erroneous late payment from my credit report. 

Thank you for your assistance in resolving this matter. 

Sincerely, Regards/Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX XXXXXX/XX/year> Last XXXX of XXXX : XXXX Date : XXXX
Product: Mortgage

The home that i lived in was foreclosed. Representatives from Wells Fargo changed my locks and removed everything We owned.
Product: Credit card

This company continues to not provide adequate means for paying back a debt. I shouldnt be required to send a payment via check XXXX business days before a due date for them to apply it on time. I sent guaranteed payments that are time stamped by the XXXX and guaranteed delivery by my bank on XX/XX/year> and this sham of a company applies the payment XXXX full days after receipt and charges me a late fee for their negligence. This is in direct violation of the XXXX XXXX XXXXXXXX consumer protection laws where the payee gets to have adequate payment options to satisfy the contract and payment obligations. The history of this companys neglect to apply payments on time and losing upwards to {$500.00} worth of payments shows they have not met that obligation.
Product: Credit reporting

I was denied credit and I paid for a complete credit report and score equia fax and Experian refused to give me a score when I was denied credit and they refused to up date my score when I got a loan from XXXX XXXX for a car to keep my score low and preventing me from getting additional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had XXXX hard inquiries from Capital One, XXXX XXXX and XXXX XXXX that I did not authorize. I need that taken off as it hurts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is an educational loan through XXXX XXXX XXXX XXXX a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureau the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : XXXX XXXX XXXX XXXX.
Product: Student loan

I updated my mailing address on my Nelnet account around XX/XX/2021. I have not received a mailed monthly statement since then. I also did not authorized to only view my account information online. I only go online to pay my bill or go on the application on my cell phone. I prefer bills to be mailed to my address as I have filing system where I keep a record of all of the statements and mark payment date, time, payment amounts, who sent the bill and confirmation numbers. Nelnet online account profile system is messed up. They only have available to enroll in e-statements and text notification of bills. I do not want e-statements and do not want to be sign up for texts that will charge me money through my cellphone company. If they are any responsible servicing company like any bank or financial institution, they should held to the same Federal regulations and State laws about disclosure of account information to be accessed by the consumer/borrower without a company not providing options or making good on monthly statements when a borrowers is not enrolled in e-statements. It should never be a company 's decision to make or follow through with unauthorized account maintenance just for the company to save money! I am sure all of these third party student loan service providers are getting rich off all of the interests built from deferred, defaults and forbearance loans over the years! It would be nice if the Federal Government look at some Student loan forgiveness for those who had FFELP Stafford loans. After look at how the student loan market and sales tactics were done with the universities and colleges, it is down right predatory lending practices when they know that students coming out of high school do not know about terms and conditions on contacts, promissory notes of payment of debt, and compound interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureau Transunion has sent me a letter asking me to show additional information regarding who I am. However, I supplied them with a copy of my drivers license and a picture of mail that arrives to my residence with my name and address showing. they are asking me for a full social, which is not needed. I believe that this is a stall tactic on their behalf. in addition, the credit bureau states that they have verified all the information at hand. i ask them to please send me proof of how it was verified as accurate, and they have failed to do so. i need to see verifiable proof of how these accounts were verified and that they indeed belong to me. itemized bills are not sufficiant.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS BILL FROM XXXX XXXX KEEPS REPORTING A COLLECTION ACCOUNT TO MY CREDIT REPORT. ITS IS FRAUD. I HAVE ALREADY REMOVED THIS ACCOUNT TWICE FROM MY CREDIT REPORT. THEY ARE VIOLATING MY RIGHTS. PLEASE HELP ME RESOLVE THIS ISSUE!
Product: Debt collection

Reviewed credit report and AFNI is listed as a debt collector for XXXX. I havent had a XXXX account in 5 years and no funds are owed to them. I request that this be removed off my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union by mail disputing numerous credit inquiries on my credit report that I did not authorize I then received a letter back saying that my written authorization and may not be required to constitute permissible purpose. I do not know why these credit inquiries appear on my credit report but I do know that I did not apply or give any company the permission to inquire my credit reports. This is a violation of the fair credit reporting act section 1681B ( c ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint to investigate my disputes regarding inaccuracies in my credit report properly. Despite submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

CAPIO PARTNERS LLC at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending collection notice in the about of {$1400.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

About a year ago the collection agency Absolute Resolutions Investments LLC started trying to collect a debt that I settled. 
I explained that it was settled about 5 years ago. I now have a complaint summons from them, that they have started a lawsuit. I consider this harrasment and should be delt with as illegal activity by them. Not only are they violating the statue of limitation on debt they have not shown me proof of any title or assignment. They last time I paid to this card was more than 7 years ago before I started the settlement. I have seen that they have been reported to you many times for the same activity.
Product: Debt collection

Opened XXXX XXXX  COMMONWEALTH FINANCI {$2100.00} My personal information was sold to this company and that is a violation to my FBRA rights
Product: Checking or savings account

On XXXX/XXXX/XXXX, I filled out an online application for a Chase XXXX account. Except for the payment information needed for the initial account deposit, I entered in all of the application information requested, including personally identifiable information. 

Shortly afterwards, I received a congratulatory email from Chase for saving the application. It contained a link that supposedly would direct me to Chase 's XXXX XXXX page to complete my online application. According to the email, the application would be valid for XXXX  days from the date I last saved it ; however, my application could not be found after XXXX day. I immediately contacted Chase and they too were unable to locate my application and they never contacted me as was stated to me by a Chase call center representative. 

In the wake of recent credit breaches, I am extremely concerned that my PII has been comprised, which could lead to my financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A states that I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

Zelle allowed me to send money to the wrong person without any warning and I wasn't able to get my money back
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION accts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$440.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an update on my credit file. My request was taken lightly. Thats not what happened I disputed the accuracy of the information. The XXXX XXXX said its accurate even though XXXX XXXX received and posted to my account XXXX XXXX dollars over my limit. I sent money order receipts to prove payment with the dispute. The report was not changed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX XXXX Bank sent me a email saying that One Main Financial had showed up on my XXXX report like I was trying too get a loan so I got there number off the credit report and call them and told them that I was not trying to get a loan from One Main Financial and they need get this off my credit report and they hung up in my face and I drove XXXX miles to XXXX of there XXXX in XXXX XXXX and told them I was calling the Police if they didnt stop that Loan because it not me so they stop the loan and told me I had to get the inquiry off the credit report my self and the Police was not going to do anything because the loan didnt go through!
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEX SYSTEMS, XXXX, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent dispute letters to XXXX, Equifax, and XXXX disputing an inaccurate information regarding a bankruptcy on my consumer report. XXXX, Equifax, and XXXX have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed XXXX, Equifax, and XXXX have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, XXXX, Equifax and XXXX have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.
Product: Student loan

To whom it may concern, T My name is XXXX XXXX, I am filing a complaint against Monterey Financial Services due to a fraudulent loan. In detailed I was calling around to a few schools in XX/XX/XXXX, looking for a school that offered XXXX XXXX certificate. I reached a company called XXXX ( under a recorded line ). I was told by the representative XXXX that I could start school in XX/XX/XXXX after the holidays, when I was ready to start. The representative lied to me and told me to sign a docusign that would save the sale that was going on in XXXX for XXXX 's enrollment. I specifically told him I had someone working on my credit and I do not want my credit pulled. The XXXX representative unethical practices lied and stated that it was just part of the enrollment no loans or anything of such. With me just calling around to schools I didn't think anything of it. The representative told me I could cancel attendance at anytime with no penalties to me. I ended up attending another school and forgot about the one phone call to XXXX. Unfortunately, my email was closed and I was unable to access my email to even remember the companies name. All of a sudden I receive a bill XX/XX/XXXX in the amount of {$3400.00} for one phone call. I had never received any sign in, never attended a day of this school and was completely defrauded by this online loan. I have attended many schools this is the first school that has used unethical practices to give people fraud loans. Where is the product? I never attended the school, don't know about the school and after dealing with this have looked up the school XXXX   and Monterey financial services and both have horrible fraud reviews. Monterey Financial Services has many class action law suits and this should not be legal. One inquiry phone call with no product should not turn into a {$3400.00} bill under some fraud financial  institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an mortgage with Wells Fargo Home Mortgage. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is Wells Fargo apparently wanted to start a foreclosure against my husband and myself on XX/XX/ and it was suspended due to bankruptcy filing by myself XX/XX/. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at around XXXX XXXX I tried to log into my Equifax account at https : //my.equifax.com/. After submitting my correct email and password I was denied to my account and was asked to call their number : XXXX XXXX XXXX XXXX After calling this number and submitting my correct information I was told that my identity wasn't verified. I stayed on the line to be connected with an agent. I've been trying to reach them via phone and I'm still waiting. This is ridiculous. I'm forced to use this company because I had to freeze my credit due to their own data breach. Now I need to unfreeze my account and I have no way to do it because their systems don't work and their agents are not answering calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax ; however, they immediately closed the dispute. I paid off my auto loan to XXXX early via a cashier 's check by XXXX XXXX. I included the check which was endorsed by XXXX and deposited to their XXXX XXXX account.