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

I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a XXXX XXXX conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX  for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with Trans word Systems and they state the account balance is XXXX and it had been turned over to XXXX  XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. All three Consumer Reporting Agencies ( Transunion, XXXX, and XXXX ) are violating my Federally Protected Rights. Everything has to be 100 % accurate on my Consumer Report. 
See the attached Tri-Consumer Report with Various Inaccuracies.Further, I demand each Account and each Consumer Reprting Agency to produce the Written Consent that I signed and agreed to allow them to Place ANYTHING on My Consumer Report. WITHOUT IT, THEY ARE ALL IN VIOLATION OF MY PRIVACY AND FEDERALLY PROTECTED RIGHTS Accounts : XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted multiple complaints with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights and costing me dearly. 

To continue reporting these Accounts after this would be another Violation. 

Willful NonCompliance 15 USC 1681n I will seek monetary relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a serious complaint against my XXXX XXXX credit card. I have been making numerous complaints but the issue is still unresolved and nobody is taking any action. I do receive a call from XXXX every month in order to collect a debt but its hard to make them understand that its not a debt that I owe. I purchased a few things from XXXX but when I was asked to make a payment, the system didnt process and the very next day I was charged a late fee + interest charge. I requested the staff if thy could waive the late fee but she talked it in an extremely rude manner and refused to waive the late fee. As a result, I returned everything back to XXXX. Why should I buy from XXXX when they cant learn to communicate respectfully? Even though I received the refunds credited back to my account but XXXX is constantly charging late fee and interest on a late fee. And now theyre expecting me to pay {$130.00}. I wonder wats the motto of these credit card companies - torture their customers and force them to commit suicide. This is ridiculous. And I have been seeking help from CFPB yet fail to receive a single response. I hope u dont ignore my request this time and try your best to resolve the issue. 
Thank you for your consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has been reporting incorrectly for a car loan that was established in XXXX and was included in my Chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. They are reporting it as XXXX charge-offs and transferred to another lender. This is greatly effecting my credit score which I have been trying very hard to re-establish. I have tried on a few occasions already to dispute and have corrected by the credit agencies and the lender. This needs to be rectified immediately.
Product: Debt collection

I do not have a contract with Midwest Recovery Systems. I am not liable for this collection from XXXX XXXX XXXX. I am not responsible for this debt. This collection was removed as of XX/XX/2019 from my credit report, and in XX/XX/2019 it was placed back on my credit report, without having the 5 day notification prior to the placing. Which is a FCRA violation. Remove this fraudulent collection immediately from my credit report.
Product: Debt collection

Today is XX/XX/XXXX ( Saturday ) XXXX and I received the third call from Navient about a student loan debt. The call was around XXXX XXXX and was an actual person on the line asking for me by name. The other two calls were robocalls that I have received in the last two weeks. To my knowledge, my account has been in forbearance which is why I was surprised and also the fact that in the past whenever there was an issue usually Navient would just send an email. I have been experiencing financial issues and have been diligent about applying for forbearance if I think I may not be able to pay for awhile. 

Also, I applied for a forbearance around XX/XX/XXXX and there is no record of this in the inbox /email history segment on my account page. I believe that my account has been mismanaged and will be filing further complaints if I am charged with any added fees or if the phone calls continue. I've also XXXX them and seen that they are currently dealing with more than one lawsuit for mismanagement of students loans and for phone harassment. I applied for another forbearance today and will soon be searching for a way to switch loan servicers since I'm not satisfied with my service.
Product: Student loan

Nelnet / Dept of Treasury is suppose to be refunding me XXXX and I got the letter last year in 2023 but only got one check for XXXX and not else since. I have since got another refund via XXXX  but nothing still from Nelnet. I called today and they said its processing.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I submitted my dispute regarding invasion of my privacy rights in accordance with FCRA 602 which states I have a right to privacy and FCRA Section 604 ( a ) that states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX on XX/XX/ and your company received it on XX/XX/. results completed XX/XX/ Trans Union submitted via CFPB portal to me. 

This clearly exceeds the 30 day timeframe by 10 days. 

This is a violation of FCRA 611 which requires a consumer reporting agency to conduct a proper investigation in 30 days.

The Second violation committed by Trans Union is when you took more than 15 days to send me the Method of Verification that I requested but your company chose to just verify the same accounts again. Instead of sending me the name ( s ) of the person ( s ) that you spoke to when the alledged investigation was conducted. I also requested according to the FCRA their addresses and, telephone numbers. 

I requested the procedures used to come to the conclusion that these accounts appearing on my credit report without my written instructions should be verified and you sent NOTHING that remotely resembles what is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) within 15 days in accord with the law for which this 15 day violation alone I could be paid {$1000.00}. 

I requested a Description of the Procedures used to determine the accuracy and completeness of the information that the law states should be provided to me. 

I want the following accounts removed from my credit report or I may seek legal representation at some point seeking compensation for your violations. 

Trade : XXXXXXXX XXXX XXXX XXXX : Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022 my mortgage insurance company sent an invoice to PennyMac my loan servicer for my annual homeowner 's insurance premium totaling {$1300.00}. As of XX/XX/2022 they still have not paid my homeowner 's insurance carrier, but decided to pay their own carrier {$3700.00} from my escrow account. I consider this nothing more than Fraud. I have submitted to them the correct invoice for payment, and demanded they refund my escrow account, and as of now they still haven't done so.
Product: Debt collection

XXXX XXXX, XXXX contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with Target that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. XXXX XXXX XXXX XXXX Open Date XX/XX/2020 Balance : {$10000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects XXXXhe person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXL ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and TransUnion consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with experian and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights .
Product: Payday loan, title loan, or personal loan

In 2022 I set up reoccurring payments online for the sum of {$270.00} which should have paid my XXXX XXXX interest loan 2 month before deadline, the reason for my action was due to change in work schedule. In XXXX of 2022 I checked to make sure that my account had been paid off so I could allocate those funds to other debts but I found out that they had only been deducting {$190.00} instead of the amount I set up so they set me up to fail and tacked on an additional {$4000.00} in interest. I've called CONNS and spoke with there representatives regarding this issues and set up thru there representatives the amount requested online and each month they continue to only take {$190.00} I've even gone into the store and they never seem to have any Manger or supervisory phones contact to resolve there deceptive business practices. The last representatives I spoke with advised me they would set up the payments at {$350.00} and they would remove the interest charges only to once again have them only withdraw {$190.00} THIS IS XXXX  and if they done it to me I guarantee they have done this to thousands of customers.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute a late payment that has been reported on my account. The details of the disputed late payment are as follows : XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  L Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I believe the late payment is being reported inaccurately for the following reasons : [ Explain why the payment was not late, if applicable, such as the payment was made on time but was not recorded properly, you were not aware of a payment due, etc. ] For example : The payment was made on time and should have been credited to my account before the reported late payment date. 
The payment was delayed due to [ reason, such as a postal issue, banking error, or misunderstanding ]. 
I request that you kindly review your records and correct this late payment on my account. I am attaching [ copies of any relevant documentation, such as proof of payment, bank statements, etc. ] to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my credit report history from TransUnion on XX/XX/2022. I received a response from them via mail Stating that they were unable to locate a report for me. I know this to be an accurate because I then requested for a report from the same company XXXX TransUnion ) online. Once I did this I was able to not only find a history but discovered that they reported 4 Late accounts, 4 accounts in collection to a total of {$2700.00} as well as a misspelling of my name. They reported my name as XXXX XXXX however the correct spelling is XXXX XXXX. In addition they reported 0 open accounts however on the report details all 4 accounts are said to be currently active/open. These findings create a negative impact to my credit and has caused confusion and fear that my personal security and credit reporting record has been breached and or compromised. I would like for them to remove any and all derogatory and and or inaccurate information including a correction of the spelling of my name.
Product: Debt collection

Hello, Back in XXXX, I went to get a XXXX done on my teeth by XXXX XXXX XXXX. I was double covered with insurances at the time. XXXX   XXXX XXXX charged OVER the legal agreement with XXXX of XXXX ( XXXX ). They also charged for teeth j never received work on. They billed me for over {$6000.00} and said the insurance covered a little over {$3000.00}. After speaking to XXXX, they were never allowed to charge that much, nor would my out of pocket be that high, especially being double covered. Please check XXXX XXXX XXXX XXXX Utah reviews. They are continuously doing this! 

A year later ( XXXX ), they gave my debt to XXXX XXXX, who have been horrible. My balance started at {$2100.00} and is now {$5700.00}. I have let them know, that this is fraud and Im taking XXXX XXXX XXXX to court. I have asked MULTIPLE times for documents, which they refuse to provide. Please, also check XXXX XXXX XXXX XXXX UT reviews.
Product: Credit reporting or other personal consumer reports

Request for Removal of " XXXX XXXX XXXX '' Account Under 15 U.S.C. 1681s-1 FCRA 605B ( 15 U.S.C. 1681c-2 ) In accordance with 15 U.S.C. 1681s-1, I XXXX XXXX XXXX requesting the immediate removal or blocking of the " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' Account # ( XXXX ) from my XXXX, TransUnion, and XXXX credit reports. Under federal law, consumer reporting agencies are obligated to report overdue child support obligations only if the following conditions are met : The information is : ( A ) Submitted by a state or local child support enforcement agency ; or ( B ) Verified by a local, state, or federal government agency. 

The overdue child support must not predate the report by more than 7 years. 
The " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' account on my credit reports does not meet these criteria, and I, therefore, demand its removal or blockage in compliance with the law. Please confirm that this account has been removed from all three credit bureausXXXX, TransUnion, and XXXXwithin the legally prescribed time frame.