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

In accordance with the Fair Credit Reporting act, 1. XXXX - US BANKRUPTCY COURT-DALLAS ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX XXXX  4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX 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 an account without my written instructions.
Product: Student loan

I submitted my XXXX payment for PSLF forgiveness in XXXX of 2022. Mohela acknowledged all my payments and certified my employers. I have called several times. Was told by XXXX XXXX " Everything we send to XXXX XXXX XXXXXXXX. '' XXXX 's # is XXXX XXXX XXXX XXXX. XXXX 6 months does not seem reasonable. XXXX seemed to process these much more efficiently. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

XXXX I deposited a check made payable to my mother that was signed over to me. The bank did not allow this and XXXX debited my account for the amount of the check. Also on XXXX the bank put a deposit hold on the check debiting my account for the amount of the check and that is still posted to my account. So they have debited twice for the same check. I contacted the bank XXXX to correct the error. I sent them a message through their app and called. It was corrected only to be reposted the same way the next day!!!! I contacted them again and they fixed it again then reposted it the same way debiting twice the next day. Today XXXX I sent several posts through the app with no response and also called. I was placed on hold for over one half hour then the line went dead. I called again and was again placed on hold. I sent another message through the app which has not been answered and my account not corrected. I called the corporate office and was put through to voicemail. My account is in the negative due to this erro and the bank is now charging me fees and returning items. I initially deposited {$2000.00} cash and that amount has not been used. I also have {$2000.00} in a savings account. I need help correcting the errors to my checking account with Bank of the West.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX XXXX Bank has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Mortgage

Loancare failed to pay/disburse property taxes.  Property taxes are now delinquent and interest continues to accrue.  Escrow is being held by Loancare for payment of these taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX/XXXX XXXX   XXXX, US DEP ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$890.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Debt collection

This account is listed on my credit report and I was a victim of identity theft. I tried to email them all of my information however their website doesn't allow you to do so? I am demanding that this account be removed immediately. The bill is for XXXXXXXX XXXX All other creditors have deleted the alleged accounts and this bill is still showing up.I am willing to file suit against them and XXXX for inaccurately reporting an account that was investigated and found to be ID THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX the natural person and consumer have had my rights to my consumer report violated.Pursuant to 15 USC 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
Experian has been given its due process of 4 days to remove these fraudulent accounts & have not followed the laws that were set in place for them to follow!! Law is Law there is no substitute for it.I need these accounts removed from MY CONSUMER REPORT Immediately as this has caused heartache and trauma to my ability to obtain property or otherwise.
Product: Checking or savings account

Dear Hancock & Whitney Bank Officers & Directors : As I received a promotion by email for opening business checking account ( plz see attached files ) earlier this year, I then opened a business account and met the requirements for the bonus. According to the T & Cs for a bonus of the business chkg account, the offer clearly stated 1 bonus is qualified per business per calendar year whereby I have own separate business from anyone else in the household. However, my numerous inquiries to your bank reps for the bonus was continually declined because I was incorrectly told that, either purposely or conveniently, a bonus is only given one per household. Although I pointed out more than once that " one bonus per business '' is clearly stated in the T & Cs for the biz account, certainly not " per household '', my much effort & time spent continually yielded fruitless. Therefore, I hope that my communication to the management team on here at this time will take corrective action and make it right. Thank you and look forward to prompt reply. <P/>Sincerely, XXXX XXXX
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balanced {$1000.00} US DEPT ED XXXX Balanced {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XXXX, about several companies that have violated my rights on my Equifax consumer report : 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 Equifax responded on XXXX, they are still working on my issue. Equifax responded again on XXXX, they initiated an investigation with companies to verify information in the dispute. It is now XXXX and I never received any response about the investigation results. Section 611 ( a ) ( 5 ) says Equifax has 30 days to investigate disputes and if needed a 15 day extension. If Equifax can not verify information within this time period all disputed items must be deleted from my consumer report. 
Below is dispute from XXXX : In accordance to the Fair Credit Reporting Act These companies have violated my rights : 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 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX 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

I am submitting this complaint submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.
Product: Vehicle loan or lease

In XXXX of 2019 the vehicle was put in a chapter XXXX bankruptcy. by my significant other. I was unaware that my new vehicle was put in a bankruptcy because me and my husband are separated. When I found out I talked to the attorney and had my vehicle removed because I am a non-filing spouse. I contacted prestige financial to continue with my payments. Which I have been doing so ever since. I have not been late I have been calling in my payments or they have been calling me for the payment. I asked for a monthly statement they can not provide me with the monthly statement, I asked for a payout of exactly what I owed they could not give me any information. I have a account manager with prestige financial by the name of XXXX. me and her went back and forth about the car being wrote off as a bad debt on my credit report but yet I'm making payments and they can not provide me with any financial information regarding what I'm paying for. And that is the reason why I'm reaching out to you to see how can I resolve the situation or either get rid of the car.
Product: Debt collection

I received a copy of my credit reports and noticed a collection account from Coast Professional Inc. on behalf of XXXX XXXX XXXX University. I contacted them and the credit bureaus to inform them that the debt is not mine and an account was created fraudulent and without my knowledge. I requested that the incorrect and verifiable collection be removed immediately.
Product: Mortgage

Freedom Mortgage has reported that they started foreclosure on my home while I was being considered for a loan modification. They are also charging me foreclosure fees, The foreclosure should have never been started during my process of trying to get a loan modification through the loss mitigation department. All requested paperwork was submitted multiple times and I also worked with a supervisor that sent all requested documents as well.
Product: Credit reporting or other personal consumer reports

This is a second notice to XXXX XXXX, XXXX and transunion That are Fraudulently Holding non public Accounts on my credit Report without ever disclosing the opt of transaction history and experiences Being reported on my report is excluded from a consumer report Accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is a medical collection and Fraudulently reported as medical information is prohibited from reporting on your consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX All accounts above are by law illegal via 15 us code 1681a ( i ) as they they report my transaction history and experiences with creditors I have opted out of XXXX, transunion and XXXX From Disclosing and sharing my non public information on my consumer report And if these fraudulent acts keep up I will put Cras under a default judgement And escalate case to to arbitration
Product: Debt collection

You can't demonstrate any of the data referenced in the past credit report information that I challenged with. The data that you showed in my credit report I previously requested proof of how you managed this.
Product: Credit reporting

I have contacted Experian numerous times asking them to remove inaccurate information that is being listed on my credit report. I have contacted them asking for them to remove different variations of my name ( XXXX names I DO NOT go by ), as well as XXXX rental houses/condos that I once lived at for a short time, as I am concerned about possible identity theft in the future. The XXXX XXXX XXXX XXXX address is basically a vacation rental building and people are coming and going quite often. The XXXX XXXX XXXX address I am concerned as my previous landlord now occupies the house and she is n't very stable. I want nothing with my name associated with her and the address on XXXX. I 've asked numerous times, like I said, but most recently I sent certified mail on XXXX XXXX # XXXX XXXX XXXX XXXX XXXX and havent received any correspondence back saying they 'll remove the items I had concerns with. 
In addition to Experian not removing old addresses and incorrect names, I requested they delete a very old tradeline that should not be reporting anymore. The account listed on my credit report as : XXXX # XXXX I am requesting a deletion as it is obsolete to still be reporting. DOFD was XXXX 2009.
Product: Bank account or service

My issue is that there are several debit transactions to a XXXX binary options broker that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for this merchant to do business with United States citizens unless they are regulated and licensed with the CFTC. They are not regulated or licensed with the CFTC, but the merchant lied to me and said that they were. I only found out they were fraudulent when I tried to make a withdrawal of my funds and instead they locked me out of my account. The merchant stole my money! 

I originally filed a dispute for these transactions as unauthorized transactions because the merchant was n't authorized to do business in the United States. Therefore, I thought that 's how it needed to be filed. I should have disputed under a different category. Regardless, I do n't think there was too much investigating into my case. 

They also closed my account for filing a dispute!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach.I want these items Deleted from my credit report effective immediately. I am attaching proof that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the Engagement number provided by Equifax XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  havent updated the remarks to paid also sub loan is paid off it has a balance of {$720.00} and its paid off
Product: Credit card

I made a reservation for a rental car through XXXX and paid {$210.00} for the rental of a XXXX XXXX car from XX/XX/XXXX to XX/XX/XXXX using my XXXX XXXX credit card. 

When picking the car up I had to provide a credit card for the deposit and I provided my Barclays XXXX XXXX XXXX  card. XXXX advised us that the car which we had booked was unavailable but that they could provide a replacement. Instead of XXXX XXXX the replacement would be XXXX XXXX. After returning to car on XX/XX/XXXX, XXXX charged us another {$210.00} After we complained they refunded {$53.00} but not the complete amount of {$210.00} We provided evidence to Barclays showing that the car was already prepaid and received a response saying that Services were rendered and the merchant is due payment without addressing the fact that the service had been prepaid through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card and was automatically routed to Experian. I took the option of temporarily " unfreezing '' my report and received a ten-digit pin number with no instructions or options as to what to do with it. Attempts to contact Experian by internet or by the telephone number they give, XXXX, which, obviously does not exist, or by another number, XXXX, always end in being required to mail in a batch of documents, including photocopies of driver 's license. This requirement is obviously a " XXXX XXXX. Have a Nice Day. '' ploy, If I actually followed through - is anyone XXXX enough to actually try? - it would no doubt give them all a good laugh.
Product: Credit reporting or other personal consumer reports

My report is showing a late payment in XX/XX/2024 Im asking to fix this issue please see attachment from my reported fix it and send to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am reaching out to provide a follow-up on my complaint filed on XX/XX/XXXX, seeking an update on the status of the removal of inaccurate names and addresses from my credit reports. As previously mentioned, FCRA Section 605b requires Credit Reporting Agencies to promptly remove any items listed on an identity theft report, with mine being under reference number # XXXX. Here is a recap of the names and addresses that I urgently wish to be removed from my credit report for each bureau : -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX -- -- -- -- -- TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX
Product: Credit card or prepaid card

It's supposed to take me 10 days to get a credit of provisional credit I haven't gotten a provisional credit and they trying to make me wait 16 days and I've been with direct express since 2011 and I have to pay bills and I don't have money to pay bills or eat
Product: Credit reporting

I noticed XXXX wrong addresses on a free credit report from Experian. My addresses are correct on reports from other credit-reporting companies, so this is an Experian error. I tried to remove the incorrect addresses online and was told I could not correct the report online -- I would have call Experian between XXXX. When I called Experian, I was told to go back to the web site and file a dispute on my credit report. I tried to use the dispute process online, but when I attempted to upload a document explaining the error on the report, as instructed on the Experian dispute site, the site would not allow me to upload any documents. The mail-in process requires me to send a copy of a government ID, a utility bill and a copy of my social security card -- a slow, time-consuming process that is not secure, and will be a hardship for me to complete. I would like Experian to allow me to make corrections online and/or over the phone, and to fix their web site so consumers can upload documents in the dispute process.
Product: Student loan

I attend XXXX that became XXXX school over the course of the years. While attending another school my payments were never frozen due to being in school. I was accumulating interest and my late fees were being reported late on my credit report. My school credits were n't accredited credits. I 've called Navient and was misinformed about repayments options. I 've emailed Navient to informed them that my school is closed and no longer operating
Product: Credit reporting or other personal consumer reports

Please delete all this accounts, inquiries and incorrect information now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Case Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Case Number : XXXX XXXX XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX