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

On XX/XX/2021, I disputed XXXX, XXXX account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX XXXX and XXXX XXXX  as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted Transunion and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX, XXXX via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, XXXX, XXXX is still being furnished on my consumer report via Transunion, XXXX and XXXX. I, XXXX XXXX XXXX, never gave XXXX, XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Product: Credit reporting

I have repeatedly disputed the derogatory items with Transunion. XXXX and XXXX have removed the fraudulent items that I disputed upon verifying that they were fraudulent debts and not mine. however Transunion refuses to assist and help me in removing these items, leaving me no choice but to write a complaint. Transunion needs to remove the items from my credit report because they have been proven to not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, Equifax and XXXX  all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, Equifax and XXXX  Credit Reports.
Product: Credit reporting or other personal consumer reports

Early warning Services Is use My private information without my consent I Have The Right To Opt OUT of anything on my credit according to 15 USC 6802-6805 C 15 USC 1681b - Permissible Purposes of consumer reports 16 CFR 313- 313.7 All Opt Out Notices )
Product: Checking or savings account

This is the follow-up complaint to the previous complaint I filed. I don't understand why my previous complaint was closed without any solution. Wise responded that they would refund XXXX from the balance. That's not the balance I had. After closing the account Wise representative sent me the final balance statements confirming there is a total of USD {$680.00} + AUD {$16000.00} + XXXX + XXXX across my personal multi-currency account. In addition to that, there were XXXX additional items in the statement named " manual adjustment by Wise '' for AUD {$1500.00} and AUD {$500.00}. This adjustment was never explained by Wise and is not confirmed to be legitimately applied. These statements were finalized as well as all transactions at the moment of my account closure. Nevertheless, they refunded only XXXX. On my question where is the rest of the balance gone, they replied " It looks like reversals were processed for the senders of payments to your account ''. I never authorized such reversals and none of our clients applied for such. They evaded my question to provide any tangible proof that such reversals happened, when they happened, for what transactions they happened and most importantly - who authorized such reversals as I never authorized any. Since the closure of my account in XX/XX/year> Wise never reached me in regards to any reversals and never notified me if there are any. I'm attaching the screenshots of the communication containing the statements mentioned. All this seems like a fraud operation and Wise just stealing the clients ' money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX credit reporting agencies did not do a proper investigation during my dispute. They are improperly reporting my XXXX student loan account as delinquent when in fact the account has been in deferment under the C.A.R.E.S. ACT and should show paid as agreed with no late payments. Also, there are four collections accounts that are inaccurate and need to be deleted. The attached dispute letter will outline all accounts that should be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX a XXXX credit card was open ( XXXX Bank ) This was report to the police and copy was send to them but they had sold it a collection agency and i was able to get them to remove it BUT THEN PORTFOLIO RECOVERY got a hold of it in XXXX and i can not get them to remove this and they put a new open date as XXXX XXXX I have file 2 FTC Report, this one is the is the most resent # is XXXX And Still nothing Please help
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had lates payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks Date of reported late payment XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/1988 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a U.S. Bankruptcy Court, 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I have a tax lien on my credit report that should n't be on there.
Product: Credit reporting or other personal consumer reports

The credit inquiry currently listed on my Experian credit report is fraudulent, unauthorized and not my credit inquiry : XXXX XXXX XXXX, XX/XX/year>
Product: Vehicle loan or lease

1 ) Ally Financial have been allocating the payments I specifically designated as going towards the PRINCIPAL amount of the loan, to the Finance Charges Paid. By doing this they are collecting much more Finance Charges than they agreed upon. 
Please, see the attached payment history I received from Ally XXXX XX/XX/XXXX. 
For example please take a look at the last payment I made on XX/XX/XXXX, I had already paid XXXX payment due on XX/XX/XXXX. I designated the entire {$200.00} to the loan Principal, Ally allocated only {$170.00} to the principal and {$23.00} to Finance Charges Paid. 
This is not just this payment, please look at payment for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX amount was allocated to the loan principal. 

2 ) Ally claim that I asked for 180 days extension to the loan, that is ABSOLUTELY FALSE. Please, see payment made on XX/XX/XXXX, then on XX/XX/XXXX, that is only 120 days. I called Ally in XXXX of XXXX asking if I can postpone my XX/XX/XXXX payment due to COVID 19, they offered me 3 additional months, they failed to explain that I will be charged all these outrageous Finance Charges. 

3 ) Ally took advantage of my circumstance, that I had only a couple of hours to either buy my leased car or turned on. Yes, I had some family emergency and I was working and XXXX XXXX told me it will be very simple to buy the car and finance it at the dealer. I had a very good job at the time, and my credit score was very good. Yes, I signed the agreement, however, the interest rate I charged was much higher than it should be. 

I am hoping by bringing all this up is that the CFPB take a strong action towards Ally Financial so they stop using these tactics.
Product: Mortgage

In XXXX XXXX I applied with Wells Fargo for a loan modification, I was denied each time. I went to a local group, XXXX XXXX XXXX who advocated for me to get a loan modification that was approved in late XXXX or early XXXX. I have consistently made my payments on time. In XXXX I was advised by someone to call Wells Fargo to see if I could lock in at my current interest rate of 2 %. I called and spoke at length with a representative that said that I could and she would be happy to assist me with this. I always had problems tracking my account and payments on the Wells Fargo website and she said it was no problem, that she would be happy to send me my mortgage monthly payment amount for the life of the loan, I wanted to get this in writing because of all the problems I have had both current and in the past with this lender. I was shocked when I received notification in late XXXX that beginning in XXXX of XXXX my locked in interest rate of 2 % would be going up to 3 %. I immediately called Wells Fargo and after extensive time on the phone, it was really exhausting, they would get back to me. I forwarded to them the document that promised a 2 % loan rate for the life of the loan, excluding insurance and tax increases. I received a very pompous telephone message from a XXXX XXXX, who was so unprofessional with his snide remarks over the telephone message that the document was not going to be honored. I will attach them when I can within this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX  Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ).
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, XXXX XXXX
Product: Student loan

I have tried numerous times to tell my loan servicer the Oklahoma Student Loan Authority ( OSLA ) that my principal balance is reflecting more than what it should be. A total of {$9500.00} was disbursed for both Subsidized and Unsubsidized loans for the following quarters : Fall  XXXX, Winter XXXX, Spring XXXX, and Summer XXXX. I have paid a total of {$7100.00} to this company and have given a list of the amounts as well as dates each transaction was made. The company will also be able to see each of the payments I reference were made from my online account with them. Additionally, I have paid the Unsubsidized loans off prior to them reaching 120 days, which means no interest will have accrued on my loans. Therefore, my principal balance should reflect {$2300.00}. However, the company is continuing to claim that I owe a total of {$3000.00}.
Product: Student loan

Greetings -- Many months ago, in preparation for the resumption of federal student loan payments, I began to gather information in order to certify my employment as I am eligible for the Public Service Loan Forgiveness ( PSLF ) program. I have been employed by XXXX since XX/XX/XXXX. Despite this fact, approximately 14 payments, beginning with XX/XX/XXXX, are listed as " ineligible '' for PSLF due to lack of employment certification. All subsequent payments after the pause are also now deemed " ineligible. '' I have requested and supplied this information from XXXX twice and provided it to MOHELA twice. I waited for the payments to be updated, and after months of nothing happening, I sent in a query. This received no response. I then sent a second communication, this time as a " complaint, '' and received feedback that acknowledged an error on their part and that I should hear back from them in five days. This was on XX/XX/XXXX. 

To reiterate, I have been employed by XXXX since XX/XX/XXXX. I have worked at XXXX without interruption since that time. I am being robbed of qualifying payments because MOHELA can not get its act together. My sympathy for their problems has run out. Please make them aware of their responsibility to borrowers like me. 

Thank you.
Product: Debt collection

I have never swiped these cards nor have I ever made any of these transactions. I have spoke with LVNV/Credit Card company since the collections started coming in- it was going on for over a year of back and forth and took me 6 months to finally get someone who cared enough to get me transactions of the credit cards. Accounts : Account information for XXXX : Opened : XX/XX/XXXX Account charge off date : XX/XX/XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX. Balance : {$1200.00XXXX XXXX reference ID : XXXX XXXX file no : XXXX Account information for XXXX : Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX. Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

On XXXX JCS # XXXX responded to a complaint stating the account was terminated and not being reported to any bureau. I then filed a dispute with XXXX to remove account from my consumer report because it is reporting inaccurately. XXXX sent me an email today stating that the company JCS verified the account. How was the account verified and it has been terminated. XXXX is reporting inaccurate accounts to my consumer report. XXXX is violating my consumer law rights by knowingly reporting inaccurate accounts to my report. I have enclosed copies of the letters to support my complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a call from Bank of America to verify purchases of {$5500.00}. Since these were not my charges they cancelled my card and issued me a new one. BOA credited my card the full amount. Included in the {$5500.00} amount was a {$1200.00} purchase from XXXX XXXX. On XXXX  BOA charged my credit card back the {$1200.00}. On calling the fraud dept. I was told that XXXX XXXX had provided information confirming I had received the merchandise. I requested copies of XXXX XXXX 's documentation and was advised to send a fax to BOA stating this was not my transaction. I faxed this on XXXX. Since then I have called many times and all I get back is a standard form letter repeating that I made the purchase. The last letter I received was XX/XX/XXXX. My lawyer faxed them a letter XX/XX/XXXX requesting copies of XXXX XXXX 's documentation and has not received a response. 

claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reported : XXXX. XXXX, XXXX XXXX BANK XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2011 I was a part of the XXXX XXXX breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second complain, I have a settlement offer from American express that I paid. 
They took the money, never send me anything in writing, and sent the balance to collection and report it on my credit report. 
When I reached out to American express and asked for the history of my payment to American express they keep saying that they can't give it to me. 
In the mean time I starting to get a new settlement offers from American express with out any explanation about the legality of the settlement. 
When I'm trying to call to the number the gave me, they refuse to give me any information that related to the history of my payment to American express or the legality of the settlement. 
I have tried to solve it for years and I'm seeking help, I can't get information and American express keep destroying my credit report. this is an abusing of power practice. 
Please help, Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

XXXX XXXX Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account XXXX : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX