23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit union monitors my credit report changes and notifies me. I received an email from my credit union that there had been a change on my Transunion credit report. I had not initiated anything. I printed my Transunion credit report and discovered that a derogatory, inaccurate account with XXXX Bank had been added. Two ( 2 ) concerns : 1. I have never had any type of account in my name with XXXX Bank. Delete record. 
2. At one time my wife, XXXX XXXX XXXX XXXX deceased ), held a XXXX Bank credit card. 
She had been an accountant with several, small companies and always kept the billing well organized. I am a mechanical engineer, earned the majority of our income and paid the bills online from our joint checking account, according to her organization. Never late. The Transunion credit report account entry from XXXX Bank shows a last payment on XX/XX/XXXX and a past due balance of {$5300.00}, charged off. She passed away in XX/XX/XXXX. I do not have her XXXX Bank account number and would not be four ( 4 ) years delinquent. The partial account number listed on the Transunion report is XXXX. If this is her account, it is completely inaccurate, as she always made small charges and I paid all invoices on time. XXXX Bank must revise credit reports in her name to indicate " Paid-in-Full '' and never late. 

XXXX XXXX XXXX
Product: Debt collection

I owe back HOA fees, which were turned over to Bartley and Spears... When starting the pay off they informed me of a {$500.00} charge to monitor my payments. I decided to finalize what I owe and pay off the amount now to avoid a {$500.00} monitoring fee. I began requesting to do so on XX/XX/XXXX of this year. They are still saying they are waiting to hear back from the attorney. Sometimes, the emails go unanswered. I have an entire email thread of my interactions with Bartley and Spears... I know my account was handed over to them fraudulently as I was in a payment arrangement with our community management company, y XXXX XXXX. Somehow, the signed agreement was lost and was turned into preferred ; even though preferred deposited my first payment, my account was still turned over to Bartley And Spears, and existing board members told me that they were not informed of my payment arrangement at the time I was sent to the attorney. At this point, I am just trying to pay this debt and move forward. 

Bartley & Spears , P.C . 

XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Telephone ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditors has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX XXXXXXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXXXXXX breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than XXXX hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wages been garnish and I don't know who this company is etc
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and it has come to my attention that XXXX, XXXX and EXPERIAN has violated my rights. EXPERIAN ran an unauthorized credit report on me on XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX  XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX. XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXXXXXX  XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX XXXX. And XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXXXXXX, XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX  XXXX and XXXX XXXX. 

Inaccurate information on my consumer credit report Addresses, Names, Phone numbers off my report as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA 15 USC 1681e ( b ) since they are inaccurate. 

I did not authorize such an inquiry and demand that you contact XXXX, XXXX and XXXX also I contact XXXX, XXXX and XXXX in writing to update and correct my personal information on file with your company. 

In accordance with the fair credit reporting act, XXXX, XXXX and XXXX. they have not ubdated my information yet, they has violated my rights. 

-15 USC 1681e ( b ) - ( Accuracy of report ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

-15 USC 1681 section 602 A. States I have the right to privacy.

-15 USC 1681 section 604 A SECTION 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : a creditor may NOT treat a payment on a credit card account under an open end consumer plan as late for any purpose.

15 USC 1681e ( b ) - ( Accuracy of report ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not 30 days late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
Just like the university, I am committed to pursuing truth unto its innermost parts. My ideal resolutions would be that XXXX University and Campus Partners immediately remove this mark on my credit report as I have proof that I have been paying the amounts due well before they were 30 days late ; AND to provide me with a clear updated and transparent status of the loan including amounts due and dates due as well as the policy of late fees ( fee amount and when they are assessed during the quarterly cycle ). 
As a result, any report of late payment to the Credit Bureaus is unjustified, abusive and improper.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate reporting of late payments on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called GM Financial XX/XX/2021 to set up a payment so it wouldnt be 30 days late as of XX/XX/XXXX. I talked with someone and she verified my checking account and I took that as they would process a payment. I get a call XXXX XXXX notifying me that no payment had been made. I immediately call to see what happened and they informed me I was supposed to make the payment and that they didnt process it on XX/XX/XXXX. So I went online and paid it. I tried to speak with a representative and was told someone would call me back. I called several times and was placed on hold and nobody came or calls were never returned. It was a clear miscommunication if they listen to the tapes and I had not missed a payment in over 2years and I would like that 30 day late removed for their workers part in the miscommunication. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Request - 15 U.S.C. 1692c Dear Sir/Madam, I am writing to formally request that you immediately cease and desist all communication with me regarding the alleged debt you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I have the right to request that you stop contacting me about this matter. 

I do not wish to receive any further communications from XXXX XXXX XXXX, including, but not limited to, phone calls, letters, or any other form of contact. This request is being made in accordance with my rights under federal law, and you are legally obligated to comply. 

Please take notice that if you continue to attempt to contact me in any manner after receiving this letter, I will consider this a violation of the Fair Debt Collection Practices Act and may pursue legal action against you for harassment and other potential violations. Further, I will also file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general 's office if necessary. 

This letter does not waive any of my legal rights, nor does it acknowledge the validity of the alleged debt. I also request that you immediately cease reporting any inaccurate or unlawful information regarding this debt to the credit bureaus. 

Please provide written confirmation that you have received and are adhering to this request within 15 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

I have a student loans with Fed Loan Servicing account # XXXX the interest rate is outrageous XXXX % for loans dispursed in XX/XX/XXXX and XX/XX/XXXX that is more than XXXX % above the current and previous prime interest rate.I have asked for assistance however they will not reduce the rate and will not allow any loan forgiveness even thought my daughter herself qualifies as a special educator. 
I am XXXX and trying to retire they will not allow my daughter to take over the loans nor will they work with me in other than my death there is no options for assistance. 

How can this be ok? I tried to help my daughter and at the time we were completely mis lead, my daughter was lead to believe she could transfer the loans into her name and that due to her occupation she would receive Teacher loan forgiveness. None of this ended up being accurate or true. Now I am stuck in a horrible situation.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Account Number : XXXX Please remove it from my credit report. 

TransUnion : 1. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered I had been a victim of identity theft a couple of years ago. I was told by the credit bureaus that I needed to file an identity theft report to be forwarded to them which I did. 

That is when I learned that they were supposed to block the items from my credit report upon receiving the requested documents. I sent this information to them more than once. The last time was in XXXX of 2020. That was according to them, per our conversation on XX/XX/2020. 

I recently went to apply for an XXXX XXXX  when I discovered the items were still there. I reached out for some legal advice on how to handle this. I was then educated about the FCRA and the XXXX. Experian refused to block the accounts when I called. 

I asked them if the federal regulations didnt apply. The lady from the fraud department told me that I didnt qualify. I asked her how I didnt qualify to be protected by federal regulations at that point, in which she said that it was company policy. She said she couldnt tell me why I didnt qualify and continued to argue that company policy supersedes federal regulations. 

I am now at risk of losing my employees during these hard times because Experian feels like they need to take the law into their own hands. Please help me to get this resolved. I didnt ask Experian to store my personal records. They choose to do this for profit, which is really disgusting to witness them handle peoples lives like this.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was trying to load gas into my vehicle, so I inserted my Wells Fargo Propel Card and it kept declining. I log into online banking and discover the phrase " account is closed, please call xxxx '' for both my Propel card and Visa Signature card. I was flabbergasted and confused as to what had happened. I had to leave the gas station I was trying to load gas at with less than 10 miles in my tank ... I call Wells Fargo and they just give me the run around with no real help. Not to mention they removed the 57,000+ points I had Go Far Rewards account that I EARNED..Wells Fargo has proven time and time again that they are scumbags who deceive and undercut customers.. Both my credit cards have ALWAYS been paid IN FULL. XXXX I even paid too much by accident once ... and this is how my kindness and professionalism is repaid?! It is good to know that Wells Fargo doesn't appreciate customers that pay in full and would rather egg on the customer who is having trouble to pay his bills in full, so they can charge them an exorbitant amount of interest ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loan servicer, Nelnet, harasses me and threatens me with default even though I have made regular, steady payments. Often more than one payment a month. On my credit report, my loans are reported as XXXX different accounts. When my payments are made, Nelnet applies them to just XXXX accounts. The other XXXX accounts appear to have no payments at any time. I have inquired to Nelnet and they have never responded. They continue to send me letters, emails and leave phone messages requesting additional payments..
Product: Payday loan, title loan, or personal loan

I had a loan with world financial pay on time sometimes was late was a good customer payoff loan try to get a loan denied
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Ive received an email from XXXX XXXX saying that a new XXXX loan was added to my XXXX credit report. I also checked my Experian account and its projecting the same credit score. XXXX stayed the same as it was reported around the same time as the other credit bureaus. When I went to go check it out, I saw that my score dropped drastically from XXXX to XXXX. Ive reached out to XXXX XXXX and told them that this information is fraud. I didnt take out a student loan at all. Its been since XXXX that I had a student loan and that was already being paid through the forgiveness program and the IRS already took out what they needed for the remaining amount. Ive been getting my taxes after that ever since. XXXX XXXX sent an update about the XXXX  service that is now reported on my credit by the name US DEPARTMENT OF EDU saying that I now have a loan for over {$7000.00}. This was listed on XXXX XXXX. This information is inaccurate and negatively impacted my credit. I called the number that was given to me with the creditors address and when I called, an automated representative was asking me if I was XXXX  years or older and that they have promotional offers. I knew right then that this was definitely fraud. I reached out to the credit bureau XXXX and they had me reset my password so they can help me see what they see. Once I gave them the info they needed, the representative saw that something was off. They said to reach out to FTC to get a form and give them the two accounts that are showing the only two accounts that Im aware of. Which are the accounts that have been closed a long time ago. To my knowledge, someone is tampering with my social security.