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

I am disputing this account. E-oscar code - 101. I'm NOT LIABLE FOR ACCOUNT NO CONTRACTUAL AGREEMENT Please delete from my credit report XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint today against XXXX XXXX XXXX in reference to Account # : XXXX. I first called XXXX on XX/XX/2019 and talked to a representative that said the call was being recorded. I called in reference to the above account number. The representative looked up the account and asked if I was ever stationed in XXXX which I replied no. He said I didn't think so I could not find a XXXX address for you. He then said that he would take care of this for me and to give it 10 days and it will be removed from my credit report. I then waited patiently for a credit alert letting me know that is was removed. It was never removed. I then called back on XX/XX/2019 and got transferred to the same representative. I had asked him what was going on with this account he said the person who was suppose to do the paperwork never did. He said he would take care of it would be removed in about 10 days. I then waited again and no removal, I called back a third time on XX/XX/2019 and talked to a different representative and he asked how I would like to pay!!!! I then asked him to please read the notes on my account and he said oh yes it was in line to be deleted wait to XX/XX/2019. Now this account was removed from both XXXX  and XXXX  in the beginning of XXXX, but never from Equifax. In fact Equifax is now reporting that the collection is paid with a status date of XX/XX/2019 ( See attached file ). I had disputed this account with Equifax and it has come back as Verified. This is unacceptable as this debt is not mine and I never paid it.
Product: Student loan

I called in on XX/XX/2022 to AES and had the representative switch the payment scheduled date to XX/XX/2022. As of XXXX on XX/XX/2022, I'm still seeing that this scheduled payment has not been in process and allows me to Cancel it through the online account. This is proof that the agency delays processing from when a payment was actually scheduled to be processed. This is concerning and not consistent with how payments are supposed to be processed when scheduled. 

Subsequently, the online account still shows that the account is 45 days delinquent despite the date of XX/XX/2022 coming to an end and the payment still being scheduled to be debited on XX/XX/2022. This agency time and time again has allowed occurrences like this to happen where it tends to favor them as a result of their appalling nature of procrastinating or deliberately delaying processing.
Product: Checking or savings account

XX/XX/2023. I miss placed my card after paying for some thing at a restaurant I realized I left my card so I went back in and they handed me my card after going back to the restaurant which was XXXX XXXX and XXXX Michigan few days later XX/XX/XXXX my card was stolen. I filed a police report gave my financial institution which is PNC bank a copy of everything that they possibly needed. I did everything on my end. I disputed the charges they gave me a new card but they keep denying the claim it has been multiple charges it has been charges made in areas that I dont live in I live in XXXX XXXX it was a charge made in XXXX for {$700.00}. I dispute the transaction quickly. They have denied my claim at least three times. My account is overdrawn. I am one month late behind on paying my mortgage. Ive had multiple people to try and help me and XXXX me money in my account for me to be able to pay a bill they took the money because my account is completely overdrawn because they reversed, the claims with the charges I did not make it was another charge for XXXX for a hotel. I did not stay at. I filled out the paperwork and sent everything to them as well as the police report. They denied every single claim and now at this point, they are threatening to close my account due to it being overdrawn, I dont want to go into foreclosure I just want my money put back in my account I did not make the charges. Ive stressed this to them. Multiple times I spoke with bank managers I spoken with everyone I possibly can. Everyone keeps telling me it can take up to 90 days, I dont know what else to do if my purse phone everything was stolen I dont even have my car. My car has been broken and unable to get fixed due to lack of funds. I did not make that trip to XXXX all the credits that they issued me they reversed, which put my account in the negative. For XX/XX/XXXX it was a charge made in XXXX Ohio. For XXXX I dont live in XXXX Ohio . My bank at this point is allowing whoever stole my card to get away with it at this point I just want my money back and I just rather close the account and go to another bank but I just need my money back immediately. I do not want to go through a foreclosure. Its almost the first of the month which means I will be two months behind on my mortgage. The bank said to me the reason why they denied the claim is because I used my card that day. It dont make sense. Its my debit card. Of course I used my card that day up until it was stolen so it just dont make sense the reason for them denying me my money I received a XXXX I received money. I went to the ATM and withdrew {$200.00} I had a friend to XXXX me some cash and because of that they denied the claim it doesnt make sense and I feel like my own bank is scamming me by not refunding me my money after it was stolen and a police report has been filed and now theyre trying to close my account after they denied my claims.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1.Account Name : XXXX XXXX XXXXXXXX XXXX XXXX , 2 : Account Name : XXXX XXXX XXXX XXXX : Account Name : XXXX XXXX, 4 ; Account Name XXXX  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 a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not give consent for the loan from XXXX XXXX that was given to a company called XXXX to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information and Errors and is in violation of FCRA laws. XXXX XXXX could not submit proof of claim or accurate verifiable information and used deceiving tactics to victimize me. Transunion is reporting inaccurate information on balance, amounts, and status information. Inaccurate information and reporting is a violation of FCRA and Transunion is in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Transunion 's repeated non-compliance with my requests will also be construed as an absolute waiver of all claims to enforce the debt against me and Transunion 's implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt without validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, these accounts must be removed from my credit file. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX ) Citation Number : Event Filed By Filed Create Date Last Updated Action Date DISMISSED PER COURT XXXX XXXX XXXX XXXX XXXX XXXX Other Order XXXX XXXX XXXX XXXX XXXX XXXX Comments : SUBMIT PROOF OF CLAIM WITHIN 30 DAYS Motion for Default Judgment XXXX XXXX XXXX XXXX XXXX XXXX Return of Service - Other XXXX XXXX XXXX  Other Event XXXX XXXX XXXX  Comments : CERTIFIED MAIL -- - CERT # XXXX Other Event XXXX XXXX XXXX XXXX XXXX XXXX Comments : REQUEST FOR SERVICE BY CERTIFIED MAIL RETURN OF SERVICE - DILIGENT SEARCH XXXX XXXX XXXX XXXX XXXX VERIFICATION OF ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Small Claims Original Notice XXXX XXXX XXXX XXXX XXXX XXXX Comments : XXXX FOR : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent activity on my report. Please remove these from my report as it is effecting my ability to obtain credit.
Product: Debt collection

I entered a consumer credit transaction with the original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX.ONLINE COLLECTIONS ( A THIRD PARTY DEBT COLLECTOR ) has now involved themselves into a consumer credit transaction and I have no contract obligation with them, they are now threatening me for an alleged debt that ONLINE COLLECTIONS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ONLINE COLLECTIONS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Vehicle loan or lease

I have attempted on numerous occasions to speak with an ALLY ( formerly GMAC account ) representative to provide me current and accurate information regarding the status of my lease account. An Abstract of Judgment was filed and recorded against me on XXXX, XXXX. Since then, the debt was discharged and a XXXX was issued to me. When contacting ALLY ( XXXX - Acct. # XXXX ), they have informed me that there is nothing else needed from me and the current balance on aforementioned account is XXXX. I requested this information to be updated accordingly as I am in the middle of a refinance to reduce the interest rate on my VA loan. Because they did not provide this information, I was denied credit and will continue to pay the higher interest rate until this information is updated. Once updated, I will attempt again to refinance but will be forced to pay at a higher interest rate until this is resolved. 

I called on the following days : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted well over half an hour and all with similar empty promises made by supervisors and ALLY representatives. The first time I called, they agreed to email a document that reflected the current status of my account. That never happened. 2nd time I called, they acknowledged the fact that they agreed to email me a document but were unable to do so and would instead overnight me a statement of account. That never happened. I called a third time and they stated that someone from " upper management '' would contact me ( they only made this offer after I informed them my next call would be to the CFPB ). The call never came. 

My goal is to attempt another refinance, while interest rates remain low, so I would appreciate a response from ALLY as soon as possible ; especially given the fact that they have already agreed to this in 3 recorded and monitored phone calls. 

As a Veteran, I have become accustomed to a higher standard of service and am extremely disappointed in how ALLY treats their customers and all their empty promises. Thank you in advance for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureaus there is an account listed from XXXX XXXX XXXX  original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX  an was told this was for a XXXX XXXX I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate and unverified accounts remain unresolved, violating my rights as a consumer. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses from data furnishers, and Failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience. Despite my formal disputes, Experian has neither corrected nor removed the inaccurate accounts, specifically : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX continued inaction constitutes a direct violation of federal law, including but not limited to : 15 U.S.C. 1681i ( a ) Obligation to conduct a reasonable reinvestigation, 15 U.S.C. 1681e ( b ) Duty to maintain accurate consumer reports, and 15 U.S.C. 1681n & 1681o Liability for willful or negligent noncompliance.
Product: Checking or savings account

I am writing this to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction was authorized. However, due to delay posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent finding by the CFPB which identified similar practices by Navy Federal Credit Union where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into the Biden Harris FRESH START INITIATIVE which put ALL of my student loans into CURRENT and Good Standing. I pulled all three of my credit reports yesterday on XX/XX/XXXX and see that TRANSUNION is showing TWO different or duplicate account from XXXX XXXX XXXX as being DELINQUENT and in DEFAULT for more than 120 days. Yet BOTH XXXX and XXXX show ABSOLUTELY NO INFO or an account PERIOD with XXXX as it was transferred over to COLLEGE ASSIST quite some time ago. In fact at the end of each XXXX  account statement from TRANSUNION it statesACCOUNT CLOSED DUE TO TRANSFER. 
So not only are my rights being violated under 15 US C 1681s-2 ( A ) ( 1 ) which states that any information relating to the consumer by a REPORTING AGENCY CAN NOT be INACCURATE, but my rights are ALSO being violated under the Biden Harris FRESH START INITIATIVE which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 


( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account fraudulently opened under my name, US BANK. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency is reporting false information to my credit.
Product: Credit reporting or other personal consumer reports

Contacted company multiple times starting on XXXX through XXXX with no resolution. Company states they have resolved the issue ( see their response below to last complaint ) however, as of today ( XXXX ) I am still unable to access my information via their website getting the same error message ( see attached ). I've emailed them directly with information to verify my identity and they will no respond. FIX THIS. 

Company Response On XXXX : It is our policy to take each complaint seriously and to respond to complaints swiftly. Your complaint appears to be related to your myEquifax account access. We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXX between XXXX am XXXX am, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. At Equifax we want to ensure that all of your concerns are addressed ; if you still have questions or require further assistance you may call XXXX ( XXXX ), or send an email to XXXX. You may also visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some company by the name of XXXX XXXX XXXX put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.