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

denied credit .found experian had placed a fraud alert on my report illegally & in error.this was not requested by me or any one else, no company or bank. 
experian without my knowledge placed tis on my report & refuse to remove it unless i send them a letter & two forms of identification by mail. 
i absolutely resent this demand of what time i have left to live. 
im a elderly XXXX veteran & im very saddened by this cold hearted treatment.this was their mistake.no one else.yet im being held responsible for getting corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Unauthorized and Fraudulent Reporting of Student Loans Dear [ Equifax ] I am writing to formally dispute the student loan information that appears on my credit report. These loans have been fraudulently reported without my authorization, and I demand their immediate removal. 
The specific account ( XXXX ) in question are : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Reason for Dispute : I never provided XXXX or any loan servicer permission to report this loan to credit bureaus, making this reporting unlawful and fraudulent. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate and legally permissible. Student loans are not traditional consumer credit, and I never signed any agreement allowing this debt to be reported on my credit file. Reporting these loans without my consent is a violation of my consumer rights. 
I demand the immediate deletion of these accounts from my credit file. If you refuse to remove these items, I request : XXXX. A legal explanation detailing the authority by which this loan has been reported. 
XXXX. Proof of my signed authorization granting permission for XXXX or any loan servicer to share my information with credit bureaus. 
Under the FCRA, you are required to complete your investigation within 30 days. If these fraudulent accounts are not removed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to pursue further action. 
Please confirm receipt of this dispute and provide an updated copy of my credit report once these accounts have been deleted. 
Sincerely, [ XXXX XXXX XXXX XXXX : [ I have submitted FTC complaint . Complaint # XXXX ]
Product: Checking or savings account

I did a Dispute claim for Services I didnt receive. I sent my money in XXXX XXXX Ive been trying to reach this company since XX/XX/2023 and no more response. Im thinking it Fraud. I contacted the Bank. I received a claim number XXXX,, XXXX from My Checking Account. The amount was {$750.00} and {$250.00}. They closed both claims and only reversed {$250.00}. I have proof by email Ive been reaching out for my refund by the company. The Bank never ask for no additional information. Why I never received the {$750.00} reversed to my bank account but I have {$250.00}. Im not understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but Equifax, XXXX, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!
Product: Credit reporting or other personal consumer reports

The balance on my credit account has been reported incorrectly. I attached a copy of the balance update letter dated for today XXXX. The other 2 credit bureau 's ( XXXX  and XXXX ) have reported it correctly. 

This is hurting my ability to obtain credit.
Product: Student loan

I have called several times ( also answered unmarked phone numbers marked as spam or robo calls ) wherein the debt collectors threaten with legal action. In the beginning I asked about repayment, I dont even have specific dates as it was so long ago Ive gotten different phones since then ( Im talking over XXXX  years ago ). I am being harassed by Sallie Mae at least XXXX to XXXX  times a day via text or call. They also send at least XXXX emails every single day even though I have explicitly asked them to send paper mail only, Of which I get plenty, which is unnecessary. I consider this harassment they contact members of my family, my job and people who do not have any connection to my loans whatsoever nor my cosigners. According to the statute of limitations, these loans are past their XXXX years for XXXXof which I get plenty, which is unnecessary. I consider this harassment they contact members of my family, my job and people who do not have any connection to my loans whatsoever nor my cosigners. According to the statute of limitations, these loans are past their XXXX years for Wisconsin and debt collection is unlawful at least XXXX of these loans. Therefore they can not sue. They are threatening to sue and the amount they threaten to sue for is by no means plausible in court. They are threatening and harassing me via email and discussing legal action where they can not do so via the statute of XXXXThey are threatening and harassing me via email and discussing legal action where they can not do so via the statute of XXXX  's limitations on debt collection and I will threaten to as well. I know they are connected to XXXX and their business is shameful. I have gotten calls TODAY and have tried blocking them but they still find a way. I have asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

I have been trying to reach my loan company since XX/XX/XXXX. I needed help accessing my account to make a payment on my loan. BBT transferred to Truist requiring a new application on my phone and I needed login assistance. Could not get anyone to help Friday XXXX XXXX. There fore making my payment late. I tried again on Saturday to get into my account and successfully got in but then the desktop version would not let me select the date, but instead populated itself and then gave me an invalid date message. I again tried to reach the institution and the only 24 hour number I could call was for Credit card only, who transferred me to technical support who was closed. Flash forward Payment finally made on XX/XX/XXXX, now really late. At this point with the frustration I called to get pay off information to try and refinance the loan. Tonight XXXX I called and chatted the company. XXXX chatted me that in order to get the statement I needed to CALL. I informed her of the trouble I had in which she noted. I then continued to hold on the same number I was instructed to call but already had. When XXXX answered he informed me that he also could not help me especially with it being after hours in which I informed him I held for 45 minutes and could not help that it was now closing hour. He informed me that both the website and XXXX informed me incorrectly and I would need to fax a request for payoff information where I would not get it back until 24 to 48 hours. The company refuses to help customers by anwering in a timely manner, handling financial accounts with efficiency, etc. I work in customer service and am appalled at what it takes to get ahold of someone at this financial institution, let alone get what I need to try and take my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Experian XX/XX/XXXX to have the incorrect information removed from my credit report. 
Experian has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Experian received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.
Product: Mortgage

I need have my monthly statements sent on time. I receive my mortgage statement on the XXXX of every month. That doesn't give me enough time to send the payment by the XXXX of each month. If my payment is not applied by the XXXX of each month, I'm charged a penalty and it will show on my credit report. The only method of payment I've been using is writing a check and mailing it. That's the best way for me to keep track when the check is cashed. I don't trust having the amount drafted out of my account. 

Also I need to modify my loan. I have a balloon note that will be due in 2028.
Product: Student loan

Performant Recovery has very rude reps. They argue about your loan. They hang up the phone on you. It's almost as if they are a scam.
Product: Mortgage

Over the course of the last two months, I have made additional principal only payments in various amounts, Instead of applying the principal payments to the remaining principal balance, Veterans United Home Loans has advanced my due date of the next regular monthly payment. I have made all my regular payments, I have never been late or missed a regular payment. I have sent them several messages thru the company payment internet site, With no resolution, I have rated their service on their website and got a call back from a XXXX XXXX ( XXXX ext XXXX ) on XX/XX/XXXX who has told me problem can be fixed if I make another regular payment, which I did with some more " extra Principal payment. This caused my regular payment due date to advanced by yet another month ( XX/XX/2021 ) and that additional principal payment caused my regular payment to be reduced in the amount of the " extra principal '' I have sent XXXX a screen shot this, and have not received a reply. I also reached back out to XXXX a few days ago, and got no reply, I have sent XXXX screenshots of my bank statements showing the payments they have received from me, the meanwhile I am being charged that interest on a balance that should be lower. 
This loan has no penalty for early payoff, I do not wish to be 3 months ahead on regular payments, all that extra money was for the principal as I have selected when I made the payments and have made very clear to Veterans United. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain a full disclosure credit report from Lexis Nexis since XXXX of XXXX. Every time a report was sent it was a driving record. I called back several times requesting the correct disclosure be sent I have NEVER received my report. 
In XX/XX/XXXX I applied for an an apartment and was denied due to information on my Lexis Nexis report stating I had multiple evictions. I have lived in the same apartment for XXXX years and have never been evicted. I called Lexis Nexis and immediately requested my report. I was once again sent my driving record. 
I have called a total of six times form XXXX until XX/XX/XXXX requesting my full consumer disclosure report and I have not received it. I always get excuses such as, something went wrong with the system, or the representative requested the wrong report. I still have not received my report. 
XX/XX/XXXX I called furious about not having received my report. I again received the run around about why I have not received the report promised to me XXXX to 10 days ago. The representative told me she would meet with the " team '' and they will call me back where at that time my report would be emailed to me. I never received a call or my report. 
I am being denied access to my report and this violates my consumer rights. I have damaging information in a report that I am unable to gain access to.
Product: Debt collection

I am using a third party service to monitor my credit bureau files. Imagine my shock when they notified me that a negative entry had been placed on my file. XXXX XXXX accepted a file from Contract Callers Inc. that they were collecting {$150.00} for XXXX XXXX. 

I spoke with XXXX XXXX whom I am a current customer with in good standing. they informed me that they have not sent any collection account information to Contract Callers Inc. to collect from me but did admit they use CCI which they assumed is one and the same. 

When I called the company they refused to give me any information because I refused to give them my SSN over the phone. Not knowing who they are and they have personal information about me already causes me great distress and concern. 

I would like this company held responsible for their actions which clearly violates several state and Federal laws.
Product: Checking or savings account

On XX/XX/XXXX XXXX electronic transfers to XXXX occurred on my account totaling {$7500.00} ( {$3500.00} and {$4000.00} ). Webster Bank was notified on XX/XX/XXXX regarding the fraud on my account. The funds were returned to my account on XX/XX/XXXX pending investigation. On XX/XX/XXXX Webster notified me and withdrew the total amount claiming that since greater than 60 days had elapsed ( 68 days ) both XXXX and Webster were not liable for the charges fraudulently made on my account. 

I never received alerts asking for verification on these charges which coming from a XXXX should have raised security flags within their fraud department.
Product: Debt collection

This dispute is for collections account : CAPIO PARTNERS LLC I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information. 



I believe the reporting and handling of this account violates several federal laws, including but not limited to : 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute.

2. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, consumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section.

3. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code.

4. 18 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct.

Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account.

This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XX/XX/. However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.
Product: Credit card or prepaid card

Delinquencies have been reported to my credit report and no statement has been sent. I have not received any correspondence with due date or past due notice.
Product: Debt collection

XXXX XXXX calls me 10+ times a day every 20 minutes all day long, sometimes theyll hang up and call right back, I am only 2 weeks late on my payment because I lost my job, I tried to explain this to them but they tell me it is not their issue and they dont have to stop calling me even though I have promised to catch up before the next payment is due, it is highly stressful because I cant even receive regular phone calls with them calling at all hours of the day. If I have explained my situation and promised to handle the outstanding balance before 30 days then they need to STOP. See attached photos for proof of the excessive calling, I cant even fit all of them in 1-2 screenshots, its XXXX
Product: Bank account or service

I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval.