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

I have previously disputed accounts XXXX XXXX and XXXX XXXX  on my consumer report with XXXX Experian and XXXX based on inconsistent and inaccurate reporting.. 

XX/XX/XXXX I sent XXXX a letter based on no notice of dispute and lack of furnisher updating the date they reported proving they did a investigation XX/XX/XXXX I sent experian and XXXX a dispute based on inaccuracies XX/XX/XXXX experian sent me results verifying XXXX  XXXX as accurate XX/XX/XXXX experian sent me results verifying XXXX XXXX  as accurate XX/XX/XXXX XXXX  sent me results verifying both of these accounts as accurate. 

I also took it upon my self to get a new credit report from XXXX dated XX/XX/XXXX to see if XXXX had any updates and I noticed XXXX updated the date these accounts were reported XX/XX/XXXX. I never received my results having to do with these accounts. to my understanding the furnishers of these accounts can not report disputed infromaitn without sending the consumer a written notice that these accounts have been disputed. not only is XXXX NOT reporting the account numbers that are suppose to be attached to these accounts but they lack reported information. XXXX failed to notice of dispute the XXXX XXXX  account but the furnisher updated information XX/XX/XXXX XXXX equifax is notorious for not sending written results to me like ever. how am I suppose to know when these accounts have been investigated? 

anyway while looking over all 3 credit reports on both of these accounts I couldn't help but notice all 3 reporting agencies are reporting 3 different running of reporting dates manipulating the date of 1st deliquency to fluctuate. to my understanding there is only 1 date of 1st deliquency date and changing this date is considered illegal activity. why are all three reporting agencies reporting 3 different running of reporting dates and 3 different date of 1st deliquencies? XXXX failed to report a noticed of dispute and failed to update the date updated listing from the furnisher on the XXXX XXXX  account on my results. all 3 of my reports read XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX Experian On record until XX/XX/XXXX XXXX date of XXXX deliquency XXXX XXXX XXXX putting the running of reporting time XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX Experian On record until XX/XX/XXXX XXXX date of 1st deliquency XX/XX/XXXX putting the running of reporting time XX/XX/XXXX I've given all 3 credit bureaus a chance to fix these accounst by putting them on notice by bringing errors to their attention and they fail to comply under law. XXXX Experian and XXXX and also the furnishers of these accounts are doing illegal practices and improper procedures that must be handled accordingly. I have had enough damage done to my score and reports. I have done my part with disputing with these agencies and they continue to report inaccurate information AFTER the verify these accounts are reporting accurately. this is unfair to me and at this point everyone is violating my privacy rights. 

please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account needs to be removed for the fact it reports the account status 120 days late past due when the account is closed. This is an FCRA violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX. 

Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University ( XXXX XXXX XXXX ) suddenly appeared on my credit report for a loan with derogatory information that is identical to accurate information from the Dept of Education. I have attempted to contact them but the XXXX is always closed or I only get voicemail. This is over XXXX XXXX XXXX this is the first time I have ever seen this appear. I have never received a bill or statement from the university for this debt, I have never been billed or made aware of it in any fashion. I have never taken out a loan directly with the university. This information is incorrect, invalid, and unfounded my credit score took over a XXXX point drop with this bad information while I am trying to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to removed some of the information in my file that resulted from alleged identity theft but I have an Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX Balance Owed : {$60.00} ; XXXX XXXXXXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$540.00}
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my TransUnion Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. XXXX advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I am the author of this complaint and I checked my credit report and noticed some student loan accounts that I did not open. These accounts are fraudulent and have been reporting on my credit report. I have filed an identity theft report and attached it below. I am asking that the credit bureaus remove these accounts from my credit report 15 USC 1681a
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND SANTANDER HAS AND XXXX XXXX XXXX XXXX XXXX  XXXXTO  BE RE-INSERTED BACK INTO MY XXXX  AND XXXX, XXXX XXXX. SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX initiated a hard pull on my credit on XXXX. This was EXPLICITLY not permitted but was done anyway. The XXXX XXXX representative made a completely FALSE statement that what he was doing would not affect my credit. A hard pull ALWAYS affects your credit by adding a hard inquiry to your report! It also affected my score. 

I have been told since XXXX XXXX XXXX has been working with Advantage to get it removed, but it is still present. Attached are pieces of our conversation from the XXXX XXXX and over a month later, when it still wasn't removed.
Product: Credit card

I responded to Continental Financial Company on Friday, XXXX XXXX after I was contacted about the hardship program for {$30.00} on Wednesday, XX/XX/year> to be started after my XXXX XXXX last payment of the XXXX XXXX and once again I did not receive feedback from Continental Financial so I am still facing not being able to make my payments going forward. Continental Finance lied in this response or CFPB complaint. Nothing has change.
Product: Checking or savings account

I have a claim for a dispute of XXXX these were fraud charges and have been calling and working with Bank of America on it. I have sent in documents and police reports for this claim to be told they havent received documents when I sent them from a local branch. I have been in this for more than 90 days and every time I call they tell me they are still working on it or its in reconsideration
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard pulls and do not know who they are.

1. XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

2. XXXX XX/XX/XXXX - Pulled a hard pull on my credit without my consent.

3.XXXX XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

I also have 2 derogatory accounts that I have tried to resolve.

1. IC Systems XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX
Product: Mortgage

After numerous issues over 60 days with Selene Finance, they sent me a payoff quote, which I paid. I had no choice. After requesting payment history for same 60 days, which Selene refused to provide, CFPB got me the payment history. As Selene had already given me the payoff quote, they had no choice but to match numbers to this quote. 

I have used every possible combination of calculating interest for XXXX and XX/XX/2021 at the fixed rate and no matter what I tried, I absolutely can not possibly come to what they have charged in interest. Selene Finance has clearly OVER charged interest. I would like a complete and detailed interest calculation for XXXX and XXXX, and a small balance for the 1st few days in XXXX of the interest calculations.
Product: Credit reporting or other personal consumer reports

I leased a XXXX with XXXX XXXX XXXX in 2017, the car was returned at the XXXX dealer two years later and XXXX paid off the balance. They original said that there was a balance for wear and tear. They never sent me a final bill of the wear and tear in spite of my requests. This was all during the pandemic, I reached out to them many times and no answer. Now they are saying that it was an early lease termination which is also incorrect. I recently leased another XXXX and it is finance through them and I had no problem getting approved. I have disputed this with the 3 bureaus and they are refusing to remove this negative rating which is affecting my credit and it is unfair and unethical of XXXX. I have finance 4 new cars after this and I have had no problem. I need you to please help me resolve this issue and have them correct their error
Product: Student loan

I paid off several loans in full and received confirmation of this. Several months later they added money back to these loans and won't remove it. They say I need to pay it now and they give the money back once this point is clarified, but I won't pay because I doubt this money will ever be repaid to me. 

I attached the certificate stating I paid in full, and the current balances where they added money back ( Loans 1-7 ).

I called and they " don't know the problem and may take up to XXXX business days to resolve ''. I have the receipts so this should be resolved immediately.
Product: Money transfer, virtual currency, or money service

I am an investor with Lending Club and have been for 7 years. I want to withdraw the bulk of my investment ( {$3000.00} ) and transfer it into my checking account which is the original account that funded my investment however when I tried to do so on XX/XX/2021 I received an error message. Since that date I have called and sent Lending Club emails at least eight times and each time I get emails back saying my bank account is now attached. When I called to say it wasnt I was told I had to do it manually because 7 years was too long to keep my bank account active. Now every time I call and while on hold I get an email saying my bank account is attached but I still am getting the error message. Yesterday I left a voice message which hasnt been returned and sent an email stating that I was getting ready to file a complaint with the FTC but that also wasnt returned. I am beyond frustrated and do not know what to do. Can you help? 

I have emails that state when I started this process and several that state my bank account is attached but its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on XXXX only for many months has shown a credit card from Citicards Cbna which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with XXXX, they indicated I had to speak with Citicards Cbna about it. 

I have called multiple numbers at Citibank and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when XXXX checks ( With whom I have filed multiple disputes ) they say that Citibank is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be corrected or deleted. 
The errors which prompted this credit report dispute include : A credit account using my identity was made in XX/XX/2018, and is now in my collections for XXXX dollars. In XX/XX/2018, I was XXXX XXXX XXXX. I'm not sure why your services allowed this account to be made, but it was not done legally. I'm not sure why your services allowed this account to be made, but it was not done legally. I have made the attempt to dispute it through : XXXX XXXX, Equifax, and XXXX. Each source has told me to contact you directly. Please delete this off of my report. 
I have certified documentation of my identity that supports my dispute of this erroneous entry on my report. If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. 
( Section 1031 of the Dodd-Frank Act ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose. 
If you are able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If you're unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the addresses listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.

Please investigate and update these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX through XXXX I graduated and left the school. Several months later I discovered that XXXX XXXX XXXX was closed due to fraud. I also discovered that Navient and peaks loans were involved in fraudulent practices against it's students. I went on Navient and filed a form right against repayment seeing my diploma was no longer any good. Navient has charged me over XXXX in student loans and with the interest that occurs every month and each year had sky rocketed over XXXX in student loan debt. I have tried to talk to Navient to get these loans discharged several times and they won't budge as well as my my form right against repayment sits in limbo with no one deciding. Meanwhile my student loan gets bigger and bigger and Navient refuses to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aspire Credit Card uses XXXX XXXX XXXX XXXX XXXX to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and Aspire refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted XXXX  and XXXX  regarding this and this was their suggestion because they say that Aspire keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.
Product: Credit reporting or other personal consumer reports

Account was opened via XXXX XXXX. I never received a statement, card, or account information. I obtained information via credit report. 
This account was changed off XX/XX/XXXX first payment never received. In effort to resolve account I contacted XXXX in XX/XX/XXXX. Per the settlement process provided by representative I submitted a 30 % of balance settlement offer in writing via fax number provided XX/XX/XXXX. No response from XXXX. I called back and spoke with a representative who gave me a mailing address as payment method. I mailed offer, agreement, and payment with tracking and return receipt. I received signature confirmation receipt. The cashier for XXXX was cashed XX/XX/XXXX. My credit reports has not reflected payment or settlement as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Back on XX/XX/XXXX I canceled a money gram transfer. I was told that a refund will be available within 10 business days. I reached out to them several times to find out why the refund is not back on my account and all I'm getting is a run around. They refuse to refund my money. 
Please help! 
Money gram Reference # : XXXX