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

XX/XX/2021 I was turned down for a credit card that I applied for stating a fraud alert was on my credit report I submitted my drivers license as proof of who I was. Waited four days as I was instructed for the fraud alert to be removed called in and spoke to the representative He stated the fraud alert would be removed and I called back in four hours later and the fraud alert was put back on my account! I knew the representative who stated the fraud alert was removed really did nothing about it I asked to speak to a supervisor he again stated the fraud alert was removed after 10 minutes of holding on the phone for a supervisor I called the next day to make sure the fraud alert was removed she said no it was removed and then somebody put it back on again! I stated this is ridiculous 20 minutes on hold to speak to somebody at Experian I wanted to speak to a supervisor and which one never called me back I stated I wanted the call to be listened to since everything is recorded and I wanted to know who put the alert back on my account after it was removed because I definitely stated I did not want the fraud alert on my report so somebody at Experian decided they wanted to put the fraud alert on my account without my permission and again never spoke to a supervisor who was supposed to call me back never spoke to anybody from Experian nobody was concerned about my report
Product: Debt collection

A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
Product: Vehicle loan or lease

XXXX XXXX sold us a XXXX XXXX XXXX XXXX We had informed them that we would finance it with them and refinance the next day with our credit union, due to them being closed for the day. We were told that was no problem. Fast forward to the finance office, everything is complete and signed at 7.79APR for 72 months. After we were leaving they told us we can not refinance for 3 months, which was not at all what we were planning on doing. We knew we could get approved at our local credit union around 3 %. After the 3 months the interests rates went so high it didnt make sense to do a credit inquiry for a refinance. 5 months after the purchase we were told by another dealerships finance manager that used to work at XXXX, that he was lying and the dealers make a commission on financing in-house, so if you refinance they dont make the commission. We reach out out to the finance manager from the original purchase via text and he now stated we had to wait 6 months to refinance. After this I read thru my contract and it revealed there is not prepayment penalties at all, and we could indeed refinance at any point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out requesting the follow delinquencies reporting on my credit file be updated. I know the account is currently in a charged off status and settled for less then the balance during the time that the account went delinquent I was going through a difficult time with medical issues that started XX/XX/XXXX all the way up until the account charged off in XX/XX/XXXX. Being in and out of the hospital starting in XX/XX/XXXX all the way beyond XX/XX/XXXX has caused a hardship for me not being able to pay my bills due to medical issues that caused me not to work. I am requesting for the negative payment history to be updated during that time frame due to it being out of my control due to my sickness not being able to work.
Product: Debt collection

This company attempted to collect a debt that is not owed to them, furthermore, they are in violation per the HIPPA laws. On XXXX XXXX, 2017 I sent the company a letter requesting validation that I have a contract with them and I have not received a response.
Product: Bank account or service

Citibank advertised a XXXX XXXX Account. XXXX {$15000.00}, leave it with the bank for XXXX days and they would give a bonus of {$400.00}. My husband and I opened XXXX accounts on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received the {$400.00} bonus that was due us on XX/XX/XXXX We have called the main office numerous times and they keep promising the money will be there, first on XX/XX/XXXX then on the XX/XX/XXXX and then on the XX/XX/XXXX and now maybe never. This is a fraud perpetrated by the bank. The bank employee who set up these accounts is XXXX and the bank XXXX is XXXX. I spoke to XXXX on the XXXX he was very sympathetic by unable to anything. He swore he would get our money but I no longer believe anything from Citibank.
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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX : {$870.00} GLBLNDSVCS XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion took more than 30 days to complete their investigation from my letter I sent in XXXX here is my certified tracking # : XXXX this is ground for removal they are violating my rights
Product: Debt collection

Collection company is currently reporting XXXX inaccurate and false information on my credit reports. The credit reports state that I owe XXXX hospital {$270.00} and {$350.00} which i do not owe and have never received notification of any collection account activity. This information was disputed with XXXX and XXXX credit bureaus. XXXX accurately deleted the inaccurate account, but XXXX updated the accounts to show that it is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report has a late payment corresponding to account XXXX XXXX XXXX XXXX XXXX, Account Number XXXX that to the best of my knowledge is incorrect and has affected my relationship with creditors. 

The credit report states under Account History with Status Code 1 ( 30-59 Days past due ) XX/2015 but it does not show the information corresponding to that month. The missing information makes it impossible for me as a consumer to verify and correct along with the creditor the error of said reporting. Attached is a copy of my Equifax report so this can be verified. 

For this reason and for the negative it has had on my relationship with creditors causing irreparable damage I demand this incorrectly reported item ( Status Code 1 ) be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 or other personal consumer reports

Dear American Honda Finance, I am writing to request additional details regarding an account previously held with your institution, listed on my credit report under the account number XXXX. Please note that I am not disputing the validity of the account. However, I would like clarification on the following details : 1.The date of first delinquency on this account. 
2.The date of the last payment made on this account.

3.The date of the charge-off for this account.

I kindly ask that you provide this information in writing at your earliest convenience. Please send your response to the address listed at the top of this letter. 

Thank you for your time and assistance in this matter. If you require additional information from me to process this request, please do not hesitate to reach out. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian was given legal docs to prove i did not have the car in XXXX they will not accept them why it proves XXXX is responsible loan was paid off in XXXX of XXXX and they reported i was still paying in XXXX to XXXX whick i was not and late in XXXX and XXXX which i was not 36 month lease was up in XX/XX/XXXX how can i be still paying it in XXXX XXXX XXXX XXXX XXXX and then late in XXXX and XXXX they are lying 36 month lease started in XX/XX/XXXX add 36 to that not the 44 months they reported add it up experian do the math look at the facts EXPERIAN ADD THE STATEMENT TO THIS 3RD TIME ASKING
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX  had closed my joint checking account and sent a notice to the credit bureaus naming it as a " Charge Off ''. It has been two years since this occurred and I have not received a 1099-C for a Cancellation of Debt for this item. I was not notified about the status of this account. This has put a major ding on my credit report and I wish to have it taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month, XX/XX/XXXX, ive noticed that i had a few accounts as well as addresses and accounts on my credit report that i have not made. I have outlined the transactions that do not belong to me nor have i made any them on my behalf. 
i Know that my information was part of the Equifax Data Beach because i received a letter in the mail from Equifax letting me know that i have been exposed. To this day, XX/XX/XXXX, I am still dealing with repairing my consumer file. This is also stopping me from fulfilling my career employment due to this holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XX/XX/XXXX, {$2500.00}, this was paid in settlement in XX/XX/XXXX by me need to be removed from my credit report. Kohl's- XX/XX/XXXX, {$630.00}, this account is paid and closed need to be removed from my credit report. XXXX- XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX, XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX- {$30000.00} account is closed and paid need to be removed from my credit report.
Product: Debt collection

I sent this agency a letter to validate an alleged debt of {$96.00}. I was NOT provided with the documents I requested from them to validate the debt. Since they have not supplied the demanded proof of the alleged debt, my presumption that no proof of the alleged debt, nor therefore any such debt, in fact exists. Under the Fair Debt Collection Practices Act, they are required to respond to my request for validation within 30 days of receipt of my communication. However, the debt has not been validated. Under both State and Federal consumer law I have the right to have this debt validated, and they are obligated to respond within the statutory time limit. I have also asked the agency to stop reporting to the credit bureaus until the debt is verified, however they ignored my request and continued reporting to the credit bureaus which negatively impact my credit score. This agency must cease any credit reporting actions immediately.
Product: Credit reporting or other personal consumer reports

It seems that my credit file has been compromised once again. Upon reviewing my records, I have identified numerous entries that do not correspond to my activities. As I am meticulous about researching such matters, I have discovered that according to Section 605B of the Fair Credit Reporting Act ( FCRA ), you are obligated by law to remove any entries that are determined to be the result of identity theft. The disputed items are not mine. Attached is the necessary FTC Report, which I have learned is required by both parties. Kindly proceed to remove these entries. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing my loan status as late when it is not. I am also seeing a " department of ed/XXXX '' of whom I have no idea who that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a certified handwritten letter to Equifax ( tracking # XXXX ), XXXX ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, Equifax  and XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, XXXX, and XXXX to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.
Product: Debt collection

My brother received a phone call from a man named XXXX XXXX who stated that he worked for the Law Offices of Scott Carruthers of XXXX, Ca and during the phone call he had disclosed information to my brother about a pending court date which I was informed by my legal resource that he is not allowed to do so by law. He has been calling other people including the aunt of my ex girlfriend whom I 've never even met. How he got that information I have no clue. I have also had some local courier chasing after me trying to serve me with a wage garnishment notice which I was informed is also not legal. Also, This courier had my social security number and repeated it over the phone and in the background it sounded as if he were in a populated and non discrete area where others may have heard him repeat my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to Experian, XXXX and XXXX. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft. 

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.
Product: Checking or savings account

XXXX offered a new account bonus of {$250.00} when you ( 1 ) make an initial deposit of {$50.00} ( 2 ) receive a direct deposit of $ XXXX and ( 3 ) maintain that balance of at least {$500.00} for XXXX days. I complied with the terms of the sign up agreement. I have not received the bonus. The customer service representative confirmed that I met the requirements on the phone and sent the case # XXXX to be reviewed. XXXX still has not paid out. I called again and the representative told me that there was nothing they could do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as the information that resulted from an alleged identity theft, not later than 4 business days Ater the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX.
Product: Student loan

I have a student loan from XXXX XXXX XXXX University being collected by ECSI. I have paid on the loan since 2008. I went through unemployment and then entered school full time. I am in school at XXXX XXXX University for a XXXX in XXXX XXXX. 
ECSI has received all of the deferment paperwork for in school status. They contact me every other month at least to tell me I am due for payments. Then they send me emails that I am in deferment. The website states I am in deferment but it also shows I have payments due. 
I am trying to buy a house and I looked at my credit tracker. ECSI sent me an email in late XXXX that I am in deferment from XXXX to XXXX Then they reported me 30 days late to the credit bureau on my account on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There is incorrect info on my credit report should be correct and updated with document Letter By XXXXXXXX XXXX XXXX XXXX XXXX As Proof of my Student Loan Paid In Full By The Biden-Harris Administration Forgiven Federal Student Loan Listed Below With XXXX In Full. Loan Type or Program ( XXXX ) First Disbursement Date XX/XX/ Original Principal Balance {$26000.00}
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Transfinancial Companies. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your help. Even if nothing happens I already feel better that someone will try to help. I have an issue with Transunion they have me fixed at XXXX or D rating. XXXX  has me at XXXX A rating and XXXX  has me at XXXX B Rating. 
I consider myself a very low risk for lenders. XXXX  has it absolutely correct while Transunion is almost criminal in keeping me so low. I signed up with them to see if that would change my score. Instead there has been no movement despite the fact that both XXXX  and XXXX  has gone up. The only consistent thing I have gotten from Transunion is marketing of products for people with low credit scores. I tried to call them and go over their metric system to see if we can detect where there was a flaw. I also advance up the ladder of managers and they were a broken record. There can ot be a glitch in our system and the computer is not wrong. 

I have no debt aside for mortgage. XXXX revolving available for purchase in 3 credit cards. My house is worth XXXX times the mortgage, and I have low mortgage payments. Cars are paid off. I have XXXX figures savings in the bank. I am not rich but I am not 'D ' paper. Does that sound like D paper? 

If they are doing this to me, I can only imagine how badly they are hurting the XXXX  Americans. I hope that someone brings a class action against them. They are so out of control and with no checks and balances they are dangerous to the American Economy
Product: Mortgage

2016 was a hard year. My son, proudly serving his country in the XXXX, went through a painful divorce while stationed in Hawaii. Helping with the legal fees of a long, ugly custody battle as well as the enormous expense of flying to and from there and my home took every cent I had. Things took an even worse turn, when S

ocial Services seized his XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX. At this point, I did what any mother and grandmother would do, and dropped everything and got on a plane. With my help, we regained custody. But at the end of this nightmare, my savings were gone, and Id worked one month out of the entire year. At the start I was working two jobs. Our family banded together to help care for the children, and even my ex-husband helped as best he could to keep me afloat. I had gotten a payment or two behind on my mortgage and we paid what was due. It is hard to bounce back all at once. Time passed, and as we all resettled back into our lives, I found myself somehow behind by three months. I thought I could pay it back like last time, but the loan had been accelerated. I pleaded with the bank to work with me. Mr. Cooper would be pleasant on the phone, but nothing would be resolved. The fees were still mounting. Someone in only five months, I owed a years worth of mortgage payments! Now I am back in XXXX XXXX, and back to working full-time.