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

Inaccurate information under my Social Security like my name, address, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization on XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries XXXX  XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/2020 I purchased a vehicle from XXXX XXXX XXXX. I had a pre-qualified offer from XXXX XXXX XXXX. Instead of using XXXX XXXX for my creditor XXXX XXXX  XXXX pulled my credit report with different companies, which made my credit score drop very quickly. They did not inform me that they were making all those inquiries on my credit. They matched me with Wells Fargo. I believe I am the victim of predatory lending and would like to file a complaint against XXXXXXXX XXXX XXXXXXXX and Well Fargo. They took advantage of me because of my age.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated a credit card application in late XXXX with Pentagon Federal Credit Union for a Platinum Rewards Visa Signature Card. While they reviewed my application, Penfed made two hard inquiries on my credit. After a week, I called Penfed on XXXX XXXX to inquire into the status of my application. When I was told that there was a hold on my application due to my status as a graduate student, I was told that my application would be reviewed by higher. Having already observed that Penfed made two hard inquiries, I explicitly acquiesced as long as they did not make a third hard inquiry. 

Despite my explicit guidance, I found that my credit had taken a third hit. Penfed has made no attempt to rectify their error.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$300.00} XXXX  Account Number : XXXX Balance : {$0.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX  Account Number : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent off my disputes for XXXX  for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.
Product: Debt collection

I was transported via ambulance from XXXX XXXX XXXX to XXXX XXXX by XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX aka XXXX XXXX XXXX, aka XXXX XXXX XXXX on XX/XX/XXXX. They are an out of the network provider. Their services were selected by unknown person ( s ) at XXXX XXXX XXXX without my specific knowledge. I was billed {$1500.00}. XXXX insurance covered amount {$1100.00}, leaving a patient responsibility balance of {$200.00}. The {$200.00} balance was paid in full through XXXX 's payment processor, XXXX, on XX/XX/XXXX. I have an online receipt available through XXXX. There was a disallowed amount of {$160.00} as referenced on the XXXX EOB : " XXXX - XXXX XXXX XXXX : THE SUBMITTED PROCEDURE CODE IS DISALLOWED BECAUSE REIMBURSEMENT IS INCLUDED IN THE PRIMARY SERVICE. Since then I have been repeated harassed by telephone by Wakefield Associates, XXXX TN claiming an outstanding balance due of {$360.00}. During several phone conversations in XXXX, they were informed that the debt was paid in full to the original debtor and to stop harassing me for a debt that is not owed. Their latest phone voicemail was left on XX/XX/XXXX at XXXX AM EST. They continue to phone my mobile number on XXXX and leave a voicemail " ... call so-and-so at Wakefield Associates '' without a mentioning a reason for the call or identifying their identity as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

pnc closed my account out of no where and is miss reporting on my credit report saying im late i have never been late on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit system is not legally licensed & bonded in the state of Florida to collect on a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency ], I am writing to formally dispute the inaccurate information listed on my credit report, which I believe is negatively impacting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request a thorough investigation into these inaccuracies and expect that the investigation will be handled in accordance with federal law. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, citing issues such as inadequate investigations, reinserted inaccurate information, and poor notification practices. These issues undermine consumer protections and raise concerns about the integrity of the investigation process. I am worried that my dispute may not be handled properly as a result.
Product: Credit reporting or other personal consumer reports

Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XX/XX/2022
Product: Credit reporting

My complaint is against Trans Union credit agency, I 've disputed this company three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2016 ) regarding the same issue. Each dispute has been open longer than 30 days with no solution and no resolve. I have spoken to numerous supervisors including a XXXX XXXX. Trans Union is keeping an open, active status on an account that has been PAID. XXXX Balance, and closed. They refuse to investigate the matter and upgrade their records. The company that held the Collection is called XXXX. I have receipt of it being a Closed Collection. Trans Union has been difficult and negligent in this situation. I 'm am currently shopping around for personal loans and banks are questing me about the XXXX collection that has n't been closed out. Even on XXXX its reporting a open collection which is bring down my score.
Product: Debt collection

I called Hospital to set payments on my account, the lady said unless I come up with {$1000.00} up front she couldn't set up my payments. Well I do not have that money but I started to make payments on my account monthly anyway. Even then Hospital sent me to collections with not advice or anything. 
Please help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was denied credit by XXXX XXXX  due to SageStream , LLC credit reporting. 
However, I did purchase the vehicle finance by another Bank. SageStream , LLC is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" XXXX XXXX XXXX XXXX '' ( XXXX XXXXXXXX XXXX ) are reporting inaccurate information to my file. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 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

My loan care - XXXX XXXX has falsely and fraudulently stated my mailing address is not up to date. My address is and has always been my property address and this appears to be fraud on behalf of my loan care to disqualify me from entitled relief for my mortgage.
Product: Debt collection

The company that is listed on my credit report is not only mine but is not licensed to collect this debt in the state of Florida per the fdcpa the collection agency has to be licensed in the state they are trying to collect in.
Product: Checking or savings account

There were XXXX unauthorized transactions through XXXX from my checking account, totaling to {$9600.00}. The date and amounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting here as I informed the Chase associate who filed my claim that I had my debit card lost/stolen when I was on vacation, and then I was sure that my phone was spoofed when I was using public wifi services in a rest stop on my vacation ( I have seen this happen before ). The claim that was filed mentioned that I still had my debit card on me, which was not the case. After I filed the claim with Chase, not only did the people that worked with me on the phone tell me inaccurate information, they also insulted me by a ) listening to the sound of my voice and thinking I am a girl and not letting me have access to the details right away, and b ) called me ma'am many times until I had to correct them. On top of that, no provisional credit was applied while they investigated my account, which was XXXX out and then overdrafted with the fraudulent transactions for 9 days ( XXXX business days ) before I finally found out the claim was denied. So not only did I lose a week of the investigation, something I thought was going to be simple, I did not receive anything I was promised ( each day I called I was told a provisional credit would be applied right away, within XXXX hours, end of business day, or within XXXX days, on top of the fact that the dispute I the mobile banking app says to allow up to 4 days for the credit. Today, I find out that the dispute was denied because the merchant provided information to deny my claim. When I contacted the merchant the first time, they told me to contact the bank. Then today, the bank told me to contact the merchant, who are saying the only thing that they can do is " look into it '' if I file a police report. 

I am also upset that I received no potential fraudulent transaction notifications from chase, even though my account has only been open for about a month.
Product: Debt collection

There is a company called Lvnv Funding Llc the claim that I owe {$630.00} dollars. This is not true this debt is not mine, please help.
Product: Credit reporting or other personal consumer reports

I settled the balance of loan in agreement with XXXX XXXX. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.
Product: Debt collection

I had a cell phone account with XXXX XXXX and moved to an area that had very poor service. I asked XXXX to allow me to opt out of my contract without penalty and they agreed over the phone. I cancelled my service ; but months later they sent a company called XXXX XXXX after me for the early cancellation fee.
Product: Checking or savings account

I opened my bank account in XX/XX/XXXX. Unfortunately, my card was stolen in XXXX, and unauthorized transactions began appearing on my account in early XXXX. I noticed these suspicious charges immediately. 

On XX/XX/XXXX, I realized that my online banking account had been compromised, prompting the bank to shut down the account and issue me a new one. In response to the fraudulent activity, I filed a fraud claim on XX/XX/XXXX, for approximately {$3300.00}. 

However, on XX/XX/XXXX, the bank denied my fraud claim, citing reasons related to my transaction history, location, and spending patterns. This decision was surprising and frustrating, particularly because I do not reside in XXXX, where the unauthorized transactions originated ; I live in XXXX. 

To further complicate matters, XXXX days after the denial of my fraud claim, the bank closed all of my accounts. Additionally, there were {$23000.00} worth of deposits into the compromised account, and my year-to-date spending was {$13000.00}. 

This series of events has caused significant inconvenience and financial disruption, and I am seeking further assistance to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XX/XX/2021 Re : Account Number : XXXX To Whom it may concern, I recently challenged the validity of multiple Dept of Ed/ XXXX account thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging these accounts with your company you have continued to verify these same accounts. 

It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify these accounts in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately. 

Best Regards, XXXX XXXX
Product: Debt collection

THE BUREAUS have illegally purchased and reported and fraudulent account that was resulted from Identity Theft..They have failed to contact me as required by the FDCPA, They have also violated the FCBA and multiple other reporting violations by falsely reporting this account
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$6700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 or other personal consumer reports

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX other accounts you saying I'm oweing.
Product: Payday loan, title loan, or personal loan

It is ridiculous that M & T Bank doesn't allow someone to set up automatic bank transfers to make sure a loan payment is payed on time. This is a predatory practice so that M & T Bank can collect late fees from the less fortunate. By making someone need to print off a form and Mail it, it creates an undue burden for people. As a XXXX service member it is difficult to reach back and make sure payments are made timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. 
I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I had attempted to close my account with capital one and transfer the assets out. Upon closing I had levied against me a {$75.00} fee. I was not made aware of the transfer fee when I was in the process of closing the account and capital one did not have any avenue to see the fee from their app, which is my primary portal for using their service. Furthermore there was no indication in the app that I was missing any sort of communication from the institution. When I contacted the FI they advised me that there was a lesser fee ( {$15.00} ) but that they would honor that fee because it would require separate paperwork. I was advised that even if I were to submit the correct paperwork that they would still levy the fee - which amounts to nearly 25 % of funds in the account.
Product: Student loan

I have an ongoing complaint for months against Nelnet for failure to process my XXXX loan application. Now they send me a notice today they did and they did not. It is still the old repayment plan and not SAVE which is supposed to be {$190.00}. So they just sent me the exact same bill for an amount I can not afford nor am I supposed to pay. They won't stop illegally not processing my XXXX application. It is the exact same OLD PLAN I was on before I applied for XXXX. now they have illegally put me into repayment for the old plan again. I was talking to XXXX a few days ago about how badly Nelnet has been. I want to add this to my oopen case as this is unreal incompetence and corruption. I have sent numerous document showing rh federal government said I am to pay XXXX a month. They keep reverting back to my old payment plan. It is almost XXXX a month and XXXX XXXX afford 25 % of my entire take home for a student t loan payment. So I am demanding they send me a bill for XXXX as that is what I qualify for with XXXX. This is what Nelnet does. They keep trying to charge you insane amounts and wrong amounts. I am done with dealing with this mess since XX/XX/XXXX! Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.