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

I see that XXXX, Equifax, and XXXX are reporting XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Credit card or prepaid card

I am being reported to the credit bureaus for a XXXX late payments when I submitted my payment by XXXX XXXX XXXX. In fairness, I should only be getting reported for XXXX missed payment. 

I knew that it would not rectify both late payments, despite the error being based on my credit union 's stop payment on the XX/XX/XXXX payment. I had to put in a stop payment with my bank, XXXX XXXX XXXX XXXX XXXX, when I had accidentally paid the entire balance of {$2600.00} instead of a smaller payment of {$200.00} by pressing the wrong button on the app. The stop-payment was put in place by my bank, but I did not know that a stop-payment would be placed against the future payments I would make on the app. I received phone calls from Discover, but I had thought that these were telemarketers or frauds calling me to solicit products. It turned out that my {$200.00} payment for and subsequent {$95.00} payment ( XXXX and XXXX ) were returned by my bank, as well. 

I had asked the customer service representative at Discover if I could pay by XXXX and resolve the matter of the second late payment -- it was too late, in my opinion, to rectify the issue of the first late payment. I know at least XXXX late payment would be reported to the credit bureaus. He said yes. Under the impression that a wire payment would bring me up-to-date, I paid {$150.00} dollars, higher than what was required, on XX/XX/XXXX at XXXX PM, XXXX. I assumed that it had been posted THAT DAY. I checked with Discover on XX/XX/XXXX, and they said that it did not post, that sometimes XXXX and the like agencies do not POST the payment on the same day. 

I feel that this is unfair. I paid the money on the XXXX by wire, which should qualify as a same-day payment. Discover reps I spoke to said that because they can not guaranty that the merchant through which I sent the XXXX ( XXXX XXXX store ) might have been the problem, they could not call my payment as posted on XX/XX/XXXX. 

I have never encountered this problem with ANY payment to ANYONE before using XXXX. I paid my bill, and it should be counted as having made it in before the second billing cycle ended ( ending XX/XX/XXXX ). 

I wanted to ask for a leniency on this matter. One, I have been an excellent customer of Discover Card for years, and my credit is excellent, over XXXX points. One missed payment -- accidental, at that -- is bad enough, but TWO? It will wreck my credit, and for something I did not know was going wrong. If I can not get leniency on the first missed payment, they could at least acknowledge that I made the second one before the end of the billing cycle by electronic payment. What the merchant did or did not do was not my fault : I had paid the money before the end of the billing cycle. I even had printed proof of a transaction. This is UNFAIR.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XX/XX/XXXX( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX ( XXXX ) 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: Student loan

Proof that refund was requested on XX/XX/XXXX : From : XXXX  Sent : Wednesday, XX/XX/2023 XXXX XXXX To : XXXX Subject : Applying for loan forgiveness - XXXX - ref : XXXX : ref Thank you for your inquiry. 
Please do not reply to this email as it is an automatic response. 
You can expect a response from one of our Customer Care Specialists within two business days. Some questions, however, may need further investigation to provide you with an appropriate answer. 
For immediate assistance regarding COVID-19, such as recent updates and frequently asked questions, we encourage you to visit : XXXX XXXX XXXXXXXX. 
We want to assure you that Aidvantage is closely following developments in regard to the COVID-19 pandemic. Please know that we are working directly with the Federal Student Aid Loan Servicing to provide temporary relief programs to assist eligible customers ____________________________________________________________ I made payments in XXXX before ending of the forbearance period ( XX/XX/XXXX ). XXXX XXXX XXXX. 

XX/XX/2023 Conversation with our XXXX XXXX, XXXX XXXX, who said that I should have no problem getting a refund since I made payments during the forbearance period. 

XX/XX/2023 Received email from Aidvantage saying it was too late to request a refund ( see attached ) XX/XX/2023 My conversation with XXXX from Federal Student Aid, encouraged me to send a complaint through Federal Student Aid as she understood that we were still eligible for a refund she was stunned as to why I did not receive a refund. 

No announcement from Aidvantage ( our loan servicer ), FSA or Department of Education of a " last day to request a refund '' deadline and nothing on the website in FAQs or anywhere for this to be public information. 

XX/XX/2023 Took out a super complaint with an Ombudsman. 
Case number XXXX Super Complaint. 

The two things attached are : 1. ) An email directly from Aidvantage after requesting the refund. XX/XX/2023 2. ) An email also appearing from Aidvantage after submitting a complaint to FSA regarding the refund. XX/XX/2023 These were the websites I had to look to for any answers. After the " -- - '' _ are the points that I noticed on the article that were unhelpful or misleading : XXXX XXXX  XXXX -- - ( No deadline anywhere to be found ) XXXX XXXX XXXX -- - ( Benefits available through XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ( Editor 's note made on XX/XX/2023, exact date unknown when it was posted ) XXXX XXXX XXXX? XXXX XX/XX/XXXX ( XXXX ) -- - ( You can get refunds for payments made in Forbearance period, XX/XX/XXXX-This XXXX (? ) be the last day to request a refund-posted on XX/XX/XXXX. ) XX/XX/XXXX Pandemic forbearance payments are eligible for a refund Federal student debt proposal would change REPAYE, phase out PAYE - VIN Foundation -- - ( " Made a flurry of calls with no deadline posted and that was on XX/XX/2023 '' ) XX/XX/XXXXXXXX XX/XX/XXXX | XXXX -- - ( No deadline listed )
Product: Credit reporting or other personal consumer reports

I tried getting in contact with transunion about an account that was reported inaccurately. This account has always been paid on time and never late XXXX *15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation*
Product: Debt collection

On XXXX of XXXX the Collection Agency contacted my Garnishee ( Employer ) to redirect the payments to them in violation to the FDCPA and BCFPA policy under Communication ... away from XXXX County Superior Court Clerk 's office before the Court granted Order was given on XX/XX/XXXX. 

This same Collection Agency operated in Indiana illegally for years without a license as it was required of them under the Indiana Code, if it was required from XXXX to XXXX, as well as, from the beginning of XXXX.
Product: Debt collection

I sent certified letters along with proof in the mail to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) XX/XX/XXXX to dispute an account reporting negatively on my credit report. This is not the first time that I've tried to dispute this account with the credit bureaus. 

As of today XX/XX/XXXX I will be sending a certified debt validation letter directly to National Credit Audit Corporation ( NCAC ) which is the collection agency in hopes that this matter is resolved in a timely manner. The account is in a negative state and is hindering my chances of purchasing a home as well as being able to relocate to any other residence of my choice. 

The documents of proof that was sent with the certified letters were the following : 1. A copy of the renewal notice where there is a " wet signature '' not signed by me which states that lease would not renewed ( shows proof of whom signed ). 

2. The residential lease agreement showing the lease end date and when tenants needed to vacate. 

XXXX. A new residential lease agreement with dates to validate move-in and when lease agreement was signed. 

All three credit bureaus began reporting this account XX/XX/XXXX. I didn't receive notification about this account from the collection agency in writing until XX/XX/XXXX. Before that time I knew nothing about an outstanding balance. However I'm aware and know the individual responsible for the debt has refused to make payments. 

Going forward the collection agency needs to provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. I need a copy of a written agreement that created my original requirement to pay. If I'm being asked to pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

Sincerely, XXXX XXXX
Product: Mortgage

I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo in an effort to assume, modify or refinance a loan so I can keep my home. I have submitted documents as requested yet the lender is stating that they have not received the documents and or it has not been processed. My aunt recently passed away and I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XX/XX/ Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2020 - {$920.00} -Temporary Credit of Accounts Negative Balance AS of The Day Prior to Deposit of A Stimulus Payment XX/XX/2020 - {$920.00} - Reversal of Temporary Credit Provided for Negative Balance Prior to Stimulus Payment Originally they credited me for the amount being XXXX day before the stimulus payment. Then 60 days later recharged me that amount. Which caused my account to become so overdrawn I could no longer have a checking account. 

Contacted Wells Fargo attempted on multiple occasions, asked if they could help me with that amount if I paid it in full. Gave no credit and I had to pay the balance in full in order to have a checking account again. It had since been paid in full on XX/XX/2020 and remaining balance on XX/XX/2020 During that time with my account being over drawn at a large amount I was continually charged over draft fees in the amount of XXXX dollars on XXXX XX/XX/2020, XX/XX/2020, and XX/XX/2020 for XXXX dollars each time.
Product: Debt collection

After looking over my credit report I ran across a collection from this agency. they are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect XXXX XXXX XXXX A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled my debt with these companies and they are still listed on my credit report. Some are as old as 2005. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

I am writing to your office in relation to my ongoing concern regarding inaccuracies in my credit history, which, despite my previous communication, remain unaddressed. 

As previously stated, the disputed accounts were : XXXX - Account # : XXXX, XXXX - Account XXXX : XXXX, and XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX, continue to be incorrectly reported on your records. 

I have previously informed you that these discrepancies have been rectified and deleted on my XXXX credit report. The inconsistency between Transunion and XXXX report with that of XXXX prompts questions about the accuracy of their verification processes. It is disheartening to see discrepancies tolerated, as it appears to be a violation of my consumer rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

As per my comprehension, this law entails that upon notification of a dispute, the consumer reporting agency should conduct a reasonable reinvestigation within a 30-day period to determine the accuracy of the disputed information and remove them from my credit report if they are found to be inaccurate. Despite previous attempts, the inaccuracies still persist on my credit history, causing significant mental and emotional distress and affecting my reputation and my credit ratings. And still, you continue reporting the same inaccurate accounts on my file.

I am asking them to take immediate action to rectify this situation and ensure that my credit report accurately reflects my true credit history.

I want to bring to their attention the potential legal implications outlined in the Civil liability for negligent noncompliance. Negligence in complying with the requirements may result in liability for actual damages and legal costs.

I urge these credit bureaus to promptly correct and delete these inaccuracies to align with XXXX 's records. I believe this is crucial not only for the accuracy of my credit history but also to uphold the standards set by consumer protection laws. 

Your immediate attention to this matter is appreciated, and I anticipate a swift resolution to alleviate the distress caused by these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XXXX XXXX XXXX Reference # : XXXX
Product: Credit reporting

For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.
Product: Credit card or prepaid card

I sent a letter to Dignify XXXX XXXX because I only use the card in XXXX XXXX of XXXX XXXX in XXXX, FL for the amount of {$290.00} for change of air conditioning filter and change of transmission oil and the statement reflects a debt of {$2900.00}. I was already paid {$1000.00} for a charged of {$290.00} on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$4200.00} improperly reporting on credit reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX