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

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report. 

Please see the attached file
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX ACCOUNT NUMBER # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ACCCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX ACCOUNT NUMBER # XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

This company is refusing to work with my other than over the phone. I have asked for emails or mail to be sent to my home for payment options. They are telling me that I have to call in. I am busy all day and attend meetings. I do not have time to call. It 's ridiculous that they would n't give me options. This is unfair as I am trying to resolve my account. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as Equifax and XXXX, but the information appearing on the XXXX website about my credit debt with Equifax and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both Equifax and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to Equifax Complaint # XXXX and again Equifax did not fix the issue with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letters on XX/XX/22 letting transunion, XXXX and XXXX know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( 4 ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
XXXX sent me back a RESEARCH REQUEST FORM XXXX did not send anything back. 
trans union sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.
Product: Credit reporting

Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Experian shows these items as charge-offs. I have attached supporting documentation as proof of payment.
Product: Credit card

I have a balance transfer of {$36000.00} to be paid over 12 months. 0 interest I also have statement charges that are being paid in full The bank is bulking these charges and precharging me interest for the balance transfer although I have 12 months. 

The deal is 0 interest for the first 12 months The statement balance is also being paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this dispute and my ID and Social Security Card is attached for verification. I checked my credit report and noticed some fraudulent, incomplete and incorrect accounts. Below are the accounts that are reporting that should be investigated and DELETED by all credit reporting agencies. 

ACCOUNTS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX ( Original Creditor : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of getting an FHA mortgage. My lender told me I needed to get the dispute comments removed per FHA requirements. I called XXXX and XXXX with no problem. Equifax first didn't answer the call several times. Finally when I got through, they had to verify my identity. I gave them my name, address, social security, credit file number ( I had pulled report online ), answered numerous questions about credit cards, student loans, mortgage payments etc and they just kept asking more and more questions and refused to verify my identity. All the answers were correct, but they just kept saying there was one more question I had to answer. When I questioned this and even after speaking to a supervisor, they agreed the policy was ridiculous, but got extremely rude and said they would not verify my identity. It seemed like once I protested all the questions that they became very rude and unwilling to assist. I explained this was for a mortgage and they said too bad. When I requested to speak to a manager she said she wouldn't give me a manager 's name and would have to see if they were able to talk to me. This call center was located in the XXXX. There seems to be no other option/way to work with them. I should not have to reveal all my personal info such as social and answer 20 questions in order to correct my credit report. Horrible customer service. Unwillingness to help.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have taken over 4 business days after I notified them of alleged identity theft. The date of receipt was on XX/XX/2024. I sent certified tracking to make sure : XXXX, XXXX, XXXX. I am requesting for the block and delete of the affected accounts on my consumer report. I have already provided the following : ( 1 ) appropriate proof of the identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information; and ( 4 ) a statement that the information is not information relating to any transaction by me. This is not an error on my part to block and delete this information. I never gave consent for my information to be shared or used with these accounts. There is also no material misrepresentation of fact by me, the consumer relevant to the request to block. I am in urgent need of my consumer report to be corrected asap and am exercising my right under 605b. Please comply with my rights as a consumer. I am a business owner and consumer and you can imagine that this can be damaging to me if this persists.
Product: Mortgage

To say we are frustrated is an understatement and after reading the comments on your site, we are even more frustrated with the company ( Loancare ) that purchased our mortgage. So, I am taking all the emotions out of this letter and putting facts only. 

Me and my wife were both unemployed, but continued to make our payments ( though they were late, we were never 30 days past due and all late fees were paid ). For our XX/XX/2016 payment ( still behind one month ), I made out a check and mailed it to XXXX ( our servicer at the time and having no idea our mortgage servicer had changed to Loancare ). That evening I told my wife I had sent the payment and she told me it would not be there on time so she immediately did an online payment to XXXX ( posted XX/XX/XXXX as the payment due XX/XX/XXXX ). We stopped payment on the check and contacted XXXX to let them know what we had done. 

Loancare became our servicer and everything was fine. It appears the check I sent, was posted on XX/XX/XXXX as a Modified Coupon Payment ( this would now appear to make us current, but we were not aware they tried to post the check we told them was no good ). Not knowing this, we made the XX/XX/XXXX payment on XX/XX/XXXX. We setup the automatic payment and it paid the XX/XX/XXXX payment on XX/XX/XXXX. 

While doing our balance, I noticed our XX/XX/XXXX house payment had not cleared so I contacted Loancare. No disrespect, but the lady was very hard to understand and seemed almost angry that I would contact them since it was " my fault '' for the check. I asked why my automatic payment was stopped without my knowledge and she said it stops automatically when you are behind. This made no sense to me, why would you stop an automatic payment? I tried to explain that we had contacted XXXX about the check, but she would not listen. I immediately made the payment XXXX and after moving other funds around, made a second payment, XX/XX/XXXX ( with late fees ), to make sure we were completely caught up. 

Though I feel there are a lot of issues here, my main issue is this, our automatic payment would have maintained our account in good standing ... Loancare is the one that stopped it, not us. Since they stopped the automatic payment, it should not affect our late payment pasted 30 days. Also, this was three months after we had contacted XXXX about the stopped payment check. 

I did send Loancare a request for help on their support email, but to date have not received a response. 

We have worked very hard to maintain our credit so we are simply asking that the over 30 days late be removed from our credit report. 

Thank you for any assistance you can give us. 

Respectively, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( XXXX  and XXXX ), XXXX XXXX ( Equifex, XXXX  and XXXX   ), XXXX ( XXXX  and XXXX  ), XXXX XXXX ( Equifex, XXXX and XXXX  ), XXXX ( XXXX  and XXXX  ), XXXX XXXX  ( XXXX, Equifax and XXXX ), XXXX ( Equifex, XXXX and XXXX ), XXXX XXXX XXXX ( XXXX, Equifax and XXXX ), XXXX ( XXXX  and XXXX  ), Bankruptcy : Voluntary CH-XXXX ( Equifex, XXXX and XXXX  ).
Product: Credit reporting or other personal consumer reports

I sent a dispute request to TransUnion on XX/XX/year>. I uploaded court documents that described the XXXX and XXXX XXXX I am experiencing that resulted in an issue with a XXXX XXXX. I was sent an email on XX/XX/year> that stated : reminder your dispute results are ready. Unfortunately I clicked on the link without realizing that I never received an initial email stating the results were ready before this email that said reminder. I have been unable to access the dispute results. Even when I try to log on without going through the link, their website states that the report is not available. At this point it feels like I was sent a phishing email. Ive had a similar issue with XXXX where I was unable to change passwords. This was during a time period where my mother found fraudulent charges and changes to her credit report which I filed a police report about. My credit and information has been compromised in ways that resemble viruses on my phone but no charges on my accounts, however just as detrimental that the same perpetrators that purchased items with my mom credit from her former housing building has access to all my information and have been stalking me. It resembles XXXX by using debt bondage ( via credit report and financial account tracking ) to justify monitoring me. Given my experience, these XXXX  come from countries where its frowned upon for women to be independent of men.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian continues to report incorrect and fraudulent information on my credit report despite my previous attempts to resolve the issue. This erroneous reporting is damaging my credit, and Experian has failed to remove or correct the inaccurate information. 
In XX/XX/year>, I discovered that fraudulent information was being reported on my Experian credit report. The accounts in question was opened without my knowledge or consent, and I immediately disputed the inaccuracies through Experian. However, despite providing the necessary documentation, including an identity theft report and filing a previous dispute, Experian has failed to adequately address the issue and continues to report the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted Ability Recovery Services on XX/XX/2023 to inquire about the debt and was informed that the account did not exist. The company suggested I reach out to XXXX XXXX so I contacted you all instead I spoke with XXXX XXXX ext. XXXX I need this removed from my credit profile for I never went or attend XXXX XXXX thank you.
Product: Checking or savings account

My Bank of America business bank account was restricted on XX/XX/2023 due to their own random suspicions. I made a deposit on XX/XX/2023 of {$81000.00} via check. It was placed on a hold and on the morning my funds were released my account was frozen. The check was issued via XXXX XXXX me and my client went to a local branch and confirmed everything is fine on their end. Prior to that I called bank of america 's customer service and spoke to 7-8 different agents that couldn't do anything but subliminally accuse me of fraud. I visited the my local branch ( XXXX, NJ ) times and was left hanging as well. I feel like I've been robbed of almost XXXXXXXX XXXX
Product: Credit card or prepaid card

My complaint is against Synchrony Bank according to your ruling : https : XXXX I opened a dispute on CareCredit/Synchrony Banks XXXX back XXXX XXXX against XXXX XXXX XXXX. I am attaching files that I submitted to them which are narratives of what happened as follows : CFPBXXXX # XXXX ( These are narratives of what happened divided up so they CFPBXXXX  # XXXX ( are small enough to attach. 
XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( The dentist involved can be found with 3 different names : my XXXX appointment was with XXXX XXXX ( which is not now listed in the yellow pages ), XXXX XXXX XXXX ( which is the name my dispute with Synchrony Bank is for ), and XXXX XXXX XXXX ( which recently sent me a text saying I was due to schedule an appointment ). And, the insurance claims they submitted to XXXX is for XXXX XXXX. 

Im also attaching the following files that show all transactions from the beginning to XX/XX/XXXX. 

XXXX ( these are monthly Synchrony statements ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .XXXX XXXX ( XXXX ) .XXXX XXXX  ( XXXX ) .XXXX  The following files are print outs of Synchrony Banks All Activity summary. The activity is showing my 2 monthly payments, late charges and interest. 

XXXX XXXX The Explanation of Benefits showing what my insurance paid XXXX XXXX. 

XXXX XXXX ( XXXX ) .pdf I have been carrying this debt ( over {$5000.00} ) for 5 months and it has affected my credit score and my debt to income ratio. Im attaching a file ( XXXX ) that shows as of today, XX/XX/XXXX, a balance of {$5400.00}. They have zeroed the monthly payment again. That balance is for work they NEVER did because I chose not to go back to them. 

I have spent many, many hours on preparing and sending documents to CareCredit/Synchrony Bank and phone calls to CareCredit/Synchrony Banks XXXX department XXXX They are very non-responsive to disputes. I have also hired an attorney to help with this. I have already paid him over {$1700.00}. For about 2 weeks he made several calls to XXXX XXXX and left messages. They have been completely non-responsive. 

I believe Im sending enough information to get a complaint started. If CFPB needs more ( like emails etc ) just let me know.
Product: Credit reporting or other personal consumer reports

I had a XXXX account that I closed in [ Month, Year ], and I have attempted to dispute its status multiple times with XXXX and the credit bureaus. However, XXXX has refused to remove the account and continues to report it as " Collection '' on my credit report, despite my disputes. 

Reasons Why This Reporting Is Inaccurate : The account is closed and should not be reported as an active collection. 
XXXX refuses to provide proper validation of the debt and simply states they will not remove it, which violates consumer protection laws. 
I disputed this directly with XXXX and through the credit bureaus, but XXXX still refuses to remove or correct the account. 

Potential Fair Credit Reporting Act ( FCRA ) Violations : FCRA 611 ( a ) ( 1 ) ( A ) XXXX is required to conduct a reasonable investigation of disputes and verify the accuracy of the debt. 
FCRA 623 ( a ) ( 3 ) Information must be fully accurate and verifiable ; if XXXX can not prove the collection status is correct, they must delete it. 
FCRA 605 ( a ) ( 4 ) Negative accounts must not be reported inaccurately. If the account is not an active collection, XXXX must update or remove it. 
What I Want XXXX to Do : Provide full validation ( including signed agreements, payment history, and proof that the collection status is accurate ). 
Remove the collection status from my credit report if they can not provide verification. 
Stop reporting inaccurate information that damages my credit profile. 
If XXXX refuses to comply, I will escalate this matter to the Federal Trade Commission ( FTC ) and my state Attorney Generals office for further investigation into potential FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a dispute was filed that I never filed. My XXXX XXXX was a XXXX, now I have no credit history. This is terrible since now I have no credit history while Im trying to buy a car. This needs to be fixed, how can my score go from XXXX to nothing. Im still on the card that was disputed I need this fixed now. I need it fixed as soon as possible. My name is XXXX XXXX and I need someone to call me and explain at XXXX.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. 

This account was deleted from XXXX and XXXX and needs to be deleted by Experian immediately. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately.
Product: Consumer Loan

I bought a XXXX XXXX from a business in XXXX XXXX CA XXXX XX/XX/2016. Part of the purchase I paid with my VISA & the remainder {$1600.00} I used the store 's promo offer of 6 months same as cash - no interest. I only financed {$1600.00}. This financing is through Wells Fargo Home Furnishing - my statements say ( XXXX ). Someone in this string of financing has been allowed to ADD money to my account when I only filed documentation to finance {$1600.00}. At this point - I feel Wells Fargo should NEVER have allowed the business access to my account to make such an entry or maybe Wells Fargo made the addition - that is unclear. & if Wells Fargo DID allow access, they only have paperwork supporting my {$1600.00} financing purchase. Today my bill states I owe {$2000.00} & I have paid {$40.00} each month times 3 months or {$120.00} towards my {$1600.00} bill, making my total due = {$1400.00}. I have talked to both the business ( the business has lost my paperwork - seriously - lost it - XXXX XXXX ) & Wells Fargo ( XXXX different agents XXXX & XXXX on XX/XX/2016 ) -- my consumer recourse is to submit a dispute which could take up to 90 days to resolve. Really? How is any business allowed to debit me in anyway without the proper paperwork? Wells Fargo is my target of this complaint. In 90 days my whole financing agreement will be over. The fact is, there should not be an " open-ended '' account by any organization allowing for money to be debited in a consumer 's name. Period.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$77000.00} were XXXX and my credit repaired. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 

Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!