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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX  7. The following personal information is incorrect Account Number : Employers : XXXX XXXX, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I am asking that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

THANK YOU Sincerely, XXXX XXXX
Product: Debt collection

My recent credit report lists several accounts that I suspect are fraudulent. I request these be investigated and removed immediately.
Product: Credit card

XX/XX/year> after a dispute on charges and payment I closed the account. 
XX/XX/year> I called the company to attempt to get the final balance due on the account, my customer number, and the correct mailing address to send payment via my bank 's bill pay. The first rep I spoke with was not able to tell me my account number or the address. The second rep was not able to tell me the account number either. I was told to send and reference the last XXXX digits on my card. 
XX/XX/year> I initiated a payment using my bank 's bill pay system to send Prosper a check in the amount of {$2000.00}, per my bank check should arrive to Prosper by XX/XX/year>. 
XX/XX/year> I initiated a payment in the amount of {$260.00} which per my bank was set to arrive to Prosper by XX/XX/year>. 
*Both checks were mailed to the address provided in their emails of Prosper XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> contacted Prosper to try to verify my payment was received, that they have sent the final statement I was promised, and to confirm my balance is still accurate. Representative kept interrupting me by saying " yeah '' " Uh huh '' " ok ''. Advised I will reach out daily until I can confirm the payment has been received and I already filed a complaint with the BBB as I am sincerely worried they will try to cause delays that will result in more monies owed to them. 

I also have asked multiple times for copies of all my billing statements since access to the app and this information is stopped when the consumer chooses to cancel the card. 

I must encourage others to please, avoid Prosper ... this is a nightmare. I have worked hard to improve my credit and their customer service and practices are not consumer friendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. Transunion is refusing to remove 4 items from my credit report. They are XXXX XXXX XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items removed completely instead of them XXXX them out.
Product: Debt collection

I sent a debt validation letter via certified mail that they received on XX/XX/2022. This company has failed to validate my debt. please delete this information from my credit file and cease all collection activities immediately.
Product: Student loan

Nelnet and department of education has been reporting as my student loan provider. When I received the LOANS in XXXX and XXXX as Nelnet claimed, I was never given any disclosures. For all these years, I never knew about the Gramm-Leach-Bliley Act ( GLB Act or GLBA ). Its just recently I stumbled upon information about consumer rights and laws written by Congress. I began studying about consumer law and studied 15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. as per 15 USC 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As long as I had my loan with them they neverdisclosed this. Presently I am challenging this, they are telling me I knew about it because I signed the Promissory note. My reply was that they were not clear and conspicuous and no one ever pointed that out to me. Why would I want my non public personal information shared? No one disclosed any of this. After reading the FTC and the GLBA, I found out that even if I signed the promissory note as they allegedly claimed, by LAW every year they were supposed to let me know about the privacy notice and disclosures as long as I am a customer and sending me an opt-out election from. I never got that choice. I requested a form XX/XX/XXXX. I signed and returned .They violated my privacy, they chose profits over people by withholding. 
In addition, according to 15 usc 1681 ( a ) ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
as per 15 usc 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting or other personal consumer reports

I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations.

Inaccuracies : Date opened High Credit Last Reported Date Last Active Date of Last payment payment history In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

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 written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I noticed a new collection on my credit on or about XXXX When I contacted the gas company who sent this to collections I was told they had a system reboot XX/XX/XXXX an no longer have access to the records. I have repeatedly requested verification of that I owe or how I owe this bill when I did not reside in the residence at the time they claim. I have yet to receive verification of my request. The company has point blank told me that the burden is on me to prove I do not owe them. I know I do not owe this bill as the previous owner holds records of this time frame that he has paid the bill to this service in the same time frame the company claims I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander XXXX : This was was voluntarily given back and the engine blew when the car only had XXXX miles and insurance wouldn't pay for it. This meant the funds were not available for the engine and the car which should of been covered under insurance and it left unable to pay for the car at this time It was voluntarily given back.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered that inaccurate accounts have surfaced on my credit report, and I can't figure out the reason. I checked my credit report as usual, but this time, there were unexpected discrepancies. I tried refreshing my browser to see if it was just a technical glitch, but it wasn't. The errors didn't disappear with a refresh. Because of this situation, I am requesting a thorough review of the documents I've sent to ensure I won't have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me. 
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ).  They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ). 
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years. 
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments ( how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''. 
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX ) nothing, never used it. No problem they say..Its still on my report as a bad mark. 
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not. 
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town. 
XXXX what do I really have to do to get something done. These are hurting me.
Product: Debt collection

Following a detailed review of my current credit report, I noticed numerous accounts that I believe are erroneous and were added without my awareness.
Product: Mortgage

On XX/XX/21 I contacted Discover Home Loans for a payoff letter to find out that I was placed in something called forbearance. 

I never requested or even called them or logged in. I asked how this could happen and they could not answer my questions. 

They did not process my XXXX payment so I gave them a payment over the phone and they took that and said they would apply my XXXX payment to my XXXX payment. Today on XX/XX/21 discover sent me another email saying in the forbearance program I have called and have records of the calls Please expedient this request to help me and investigate.
Product: Credit card or prepaid card

Between XXXX XXXX I filed for Unemployment Insurance Benefits through the California EDD website, and certified my unemployment each week. I began working in XX/XX/XXXX, and stopped filing for Unemployment Benefits. I changed addresses on XX/XX/XXXX. On XX/XX/XXXX, I received a California tax form stating Unemployment Benefits had been paid. I began looking, and found that my Unemployment Benefits were retroactively paid on XX/XX/XXXX, and a Bank of America Prepaid Visa Debit card was issued to my old address on XX/XX/XXXX with a balance of {$5300.00}. I discovered that {$5300.00} of fraudulent charges and debits had processed against the card, and only a {$15.00} balance remained. I was unaware that any payments had been issued or that a card had been issued and used. 

I immediately opened a Bank of America Prepaid Claim on XXXX XX/XX/XXXX. After several reconsiderations, Bank of America is still denying my claim. I have provided two separate Police Reports and numerous statements. I have also identified two suspects from ATM transactional photos provided by Bank of America as supporting documentation. I requested the most recent supporting documents from Bank of America, and received a package including deposit, debit, and balance statements ; everything I could get online. The package did not contain a reason for the denial of my claim, so I have nothing to argued against for reconsideration. 

Any reasonable person can associate the timelines and deduce that I was not aware payments were issued, a card had been issued, and the card had been activated and used prior to receiving the tax documents on XXXX XX/XX/XXXX. I have provided Bank of America ample documentation and evidence to pursue their investigation and agreed to cooperate and testify in any proceedings. Bank of America has no reason to deny my claim, and should immediately reimburse the {$5300.00} to my account.
Product: Checking or savings account

I hold a joint checking account with my soon-to-be-ex husband. I am a XXXX XXXX XXXX vet who is currently paying ALL the expenses associated with maintaining two households. I did not realize, when I moved my income and spending over to a separate account back in XXXX, that there were still payments attempting to come out of the account. Over the course of this time, over {$1000.00} in NSF were racked up. The issue with withdrawals has been addressed, but the account remains in the negative and I am unable to pay the joint credit card minimum, life insurance, etc. I have reached out to USAA to ask them to refund the NSF fees but they have declined to refund more than 3. 
USAA is clearly *able* to do this - they got rid of NSF fees on XXXX, so the fees are not something mandatory - they are something created by USAA and can, at their discretion, be refunded by USAA. Their choice not to is having a dramatic negative impact on my credit worthiness and ability to cover the basic household expenses I am required to maintain.
Product: Credit reporting or other personal consumer reports

By : XXXX XXXX I contacted Experian Customer Service to let them know that I only know by XXXX XXXX or XXXX XXXX, I never know by this name XXXX XXXX or XXXX XXXX or XXXX XXXX and the addresses they have for my are not my curent address XXXX XXXX XXXX XXXX XXXX XXXX, I never live there XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX foor phone number I do not have a number for them to put in my report they would revome all phone number they have for me that I don't even recognized. 
XXXX XXXX XXXX I would like to Experian that call they self credit bureau to remove all this in my report all I want for my address is XXXX XXXX XXXX XXXX XXXX XXXX By : XXXX XXXX
Product: Credit card or prepaid card

My wife received numerous calls asking for personal information. They would not identify themselves or what company they were from. My wife asked for a supervisor and the supervisor identified themselves as US Bank only after repeated questioning. We did not give them any info. I contacted US Bank and have no issues with any of my US Bank accounts. US Bank said they never contact people by phone over issues and thaqt this was fraud. Fraud telephone number is XXXX. 

Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 tickets from XXXX to XXXX customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay.
Product: Credit card or prepaid card

I was awarded a {$200.00} digital mastercard for taking part in a research study earlier this year ( around XX/XX/2022 ). I have tried using it online various times throughout the year only to have the card declined. I tried calling the company only to either be put on hold and disconnected or go straight to voicemail telling me their system is down. There is no other way to contact this company and I have read other complaints online that are identical to my experience. 

My card is due to expire at the end of the month ( XX/XX/2022 ) and I'm worried that I won't be able to use the money. I even tried requesting a physical plastic card but that my request for that was also denied. 

XXXX is the website used to view the online card. 

Please let me know if there is anything that can be done. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692j XXXX XXXX XXXX XXXX is furnishing false and deceptive forms indicating inaccurate data which causes harm to my status. They allege I owe Them a debt, which is inaccurate.
Product: Student loan

Apply for Military Service Deferment since I am currently and have been serving in XXXX since 2016, I was denied The Military Service Deferment My orders dont say Im serving it on a contingency Assignment! 
Since then Navient say my loans are in default and I join the XXXX after Accruing this debt! 
Since, they denied me they have not responded back to my emails.
Product: Debt collection

I have a unverified account from The Affiliated Group. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that The Affiliated Group Cease and Desist all further communications.The Affiliated Group needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.