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

According to the fair credit reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 ( b ) section 604 ( A ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on credit card account under a open end consumer credit plan as of late for any reason. I Never give TransUnion permission to Furnish ANYTHING on my consumer report. XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX Account # XXXX Date XX/XX/XXXXXXXX XXXX  Account # XXXX Date XX/XX/XXXX
Product: Student loan

I was put on administrative forbearance in XX/XX/year>, months after qualifying for loan forgiveness under 20-year payment window
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my XXXX  report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, XXXX  took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, Equifax, XXXX as well as debt collection agencies 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 XXXXXXXX XXXX  XXXXXXXX XXXX , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but Equifax have illegally verified debts that does not belong to me. XXXX hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Ability Recovery Services is trying to collect a write off debt of XXXX for XXXX University. A XXXX University Instructor hid the students grade until the end of the semester. While submitting every assignment on time throughout the course, the grade reflected an A grade average without any missed assignments. Without indication that any assignments were not received by the instructor, the final grade was posted, the instructor gave the student a grade below average and refused to allow the student to resubmit the assignment. The financial aid office returned the studentss federal payments accusing the student of not completing course work causing a negative balance on the students account. XXXX University has refused to give the student an unofficial transcript and have posted student federal refunds on the account not verified by the student or validated by the course work.
Product: Credit card

Today I received a message from XXXX stating no adjustments would be made to my credit report of removing the delinquencies XX/XX/year> to XX/XX/year>. Although per previously filed complaint XXXX and letter attached, XXXX XXXX stated for customer service they would report this to the agencies for it to be removed. I am absolutely hurt and upset that I am getting different information from this company. Today I called customer service and spoke with manager, XXXX and she had no clue of the letter I was talking about that I received XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an online dispute with the XXXX credit bureaus XXXX and XXXX expunged the account chime stride bank is still reporting to XXXX that I have an outstanding balance of {$660.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2022 I did an online dispute in the month of XX/XX/2022 I mailed a dispute to chime strive bank and a dispute to XXXX XXXX which they say is under investigation and for some reason chime stride bank has not updated their information since XX/XX/XXXX showing that I have a outstanding balance with them of {$660.00} in which I do not have a balance with them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX  XXXX NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} TBOM MILSTNE XXXX {$75.00} FST PREMIER XXXX {$670.00} FST PREMIER XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX Chase Auto XXXX XXXX XXXX XXXX LA, XXXX Acct # XXXX Attn : Credit Bureau Disputes To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Chase Auto is in violation of the FCRA and XXXX Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time.

Further more 15 USC 1666b ( a ) ( 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. 
I need the above transactions deleted from my consumer reports! 

Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Debt collection

The debt was paid. The DR office returned XXXX XXXX Commenity Capital Bank XX/XX/2023. After that date, Commenity Capital Bank called me at all hours of the day and night harassing me for an extra {$500.00}. I paid them to stop them from calling me. My dentist office said I did not need to pay them as they were FULLY refunded. They got {$500.00} extra out of me so I am disputing this with my bank. Commenity is still calling me saying that I owe them {$22.00} more dollars on an account that has been closed over a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX last ss XXXX. I am trying to pull credit report but Equifax and only equifax cant provide a report for me. It looks like they dont have info on me. They cant disclose any info with me because they're unable.to verify me. I tried calling the company but they cant help me because they're unable to verify my identity. They had me send documentations to prove my identity and I have return receipts but they say they never received it. I've mailed them twice and faxed twice now. I dont know what exactly is going on with my acct. I cant talk to anybody from equifax without them being able to prove my identity. Last time I called.them in XXXX they made it sound like everything was taken care of. Now that I'm trying to buy home I bump into this problem again. Please help me get this situated. Thank you.
Product: Checking or savings account

On XX/XX/2018 I went to TD Bank to withdraw some money from the ATM. In this TD bank there was an intake vent in between both of the ATM 's which conveniently had 3 very large unprotected holes that were constantly sucking up air. I took out my money from the ATM and by accident dropped money as i was trying to put it in my wallet. The money fell and immediately was sucked up by the vent. Now the vent had a door above it so i went to the teller and told them about the situation. The teller then introduced me to the assistant manager, which sat me down and said " look we know about this issue and have had incidents like this before but the vent leads down to the sewer system so its out of my control and I cant do anything for you ''. I proceded to tell him about the door and he said that they could not open it. I asked why there is No mesh or protective barier put on the vent to stop this from happening and he just repeated that there was nothing they could do and its out of their hands. They actively kbow about this serious issue yet are negligent and people like me are loosing money because they dont want to do anything.
Product: Credit card or prepaid card

I had a credit card with Macys XXXX XXXX that they have closed my account without notifying me & this affected my credit score though Im always making on time payments with putting in consideration that I had a problem with them since XX/XX/XXXX that I purchased items in XX/XX/XXXX & when I returned some of them on XXXX, XXXX the agent there made it as a purchase not return & had to pay double the money with its interest in XX/XX/XXXX after the last agent told me I have to let it go cause they wont do me anything and that Im just adding more interest on myself with not paying the amount required. When u called them on XX/XX/XXXX I found out they have closed my account on XXXX claiming they have sent me a mail which I never received. The agent who answered me was so rude & was even refusing to give me her name or agent ID but later on she give me her name is XXXX and her ID number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX  Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( XXXX  XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$91.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}
Product: Debt collection

Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed items on my credit report that didnt belong to me. I sent in a dispute letter to have the negative items investigated and removed from my report on XX/XX/XXXX. On XX/XX/XXXX I sent in a 30 day demand to comply letter and its now XX/XX/XXXX and ive yet to receive any investigation results.
Product: Credit reporting or other personal consumer reports

Collection agency attempting to collect a debt I do not owe, and they are reporting it as a negative on my consumer reports.
Product: Credit card or prepaid card

please this accoun is need to remove for my credit report pleaseeee
Product: Mortgage

I had a mortgage with LoanCare company. I paid off the full mortgage amount at the end of XX/XX/2021, however an extra monthly payment for {$1200.00} went thru automatically from bank. LoanCare got the check from my bank and they cashed it ( attached documentation ) however as the account was closed they didn't deposit the money into the escrow account so the money got " lost ''. 
For over 3 months I'm being trying to get the {$1200.00} refunded with no luck, I have provided proof that the they have cashed the check and received the money, I have escalated this to many of their " management '' team however they are still " looking for the money ''. 
In my view, a financial institution loosing the money is against any financial regulations. 
The account number is XXXX my name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, XXXX Equifax, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX on XXXX XXXX on XXXX. XXXX account # XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and Equifax is reporting closed and XXXX is reporting open. 
4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal. 

They also violated my rights under 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX immediately remove Honda Finance from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to Honda Finance.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The bank credit card company paid a bill from XX/XX/XXXX from an account that I had previously closed. The company 's customer reps who I talked with by phone said they could not understand why the bill was paid because the account had been previously closed. A customer rep in the XXXX XXXX in person found that the account was closed in XX/XX/XXXX. My XXXX XXXX credit report shows that the account was closed in XXXX of XXXX. On XX/XX/XXXX, I wrote to the bank credit card address given on the credit card statement that my account being changed had been previously closed. To date ( XX/XX/XXXX ) I have not received any explanation -- though as a result of my in-person meeting with the bank rep, they notified me in a letter dated XX/XX/XXXX, XXXX that they had opened a claim that I was disputing the vendor 's charge ( which was not my complaint ). I have also received my XXXX statement which has a {$25.00} late fee attached! I do not mind paying the bill ( minus the late fee ) if I get an assurance from the company that no further charges on the closed account will be billed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX the consumer discovered on XX/XX/2022, that Experian CRIMINAL ACTS has violated not only my consumer right to privacy, but also the FAIR CREDIT REPORTING ACT by way of unfair and inaccurate reporting. Experian has failed to do a proper investigation This has caused me to lose confidence in the banking system. Experian willfully and negligently failed to comply with the FCRA ( 15 usc 1681n & 15 usc 1681o ), by placing SIX ( 6 ) charge offs/collection accounts on my consumer report in which Congress stated should be excluded pursuant to 15 USC 1681c ( 4 ). By doing so has failed their grave responsibility of fairness and respect for my right to privacy as a consumer. Never, did I give Experian, direct written permission or instructions to report any negative accounts or alleged debts on my consumer report. As Congress stated in 15 USC 1681b ( 2 ). Experian failure to comply with the FCRA has caused severe damages and injuries to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN FIGHTING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SEVERAL MONTHS