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

Please see attached Letter outlining all dates and violations and concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : RE : XXXX XXXX A substantial injury typically takes the form of monetary harm, such as fees or costs paid by consumers because of the unfair act or practice. However, the injury does not have to be monetary. Although emotional impact and other subjective types of harm will not ordinarily amount to substantial injury, in certain circumstances emotional impacts may amount to or contribute to substantial injury. In addition, actual injury is not required ; a significant risk of concrete harm is sufficient. <P/>To determine whether an act or practice has actually misled or is likely to mislead a consumer, the totality of the circumstances is considered. Deceptive acts or practices can take the form of a representation or omission. The Bureau also looks at implied representations, including any implications that statements about the consumers debt can be supported. Ensuring that claims are supported before they are made will minimize the risk of omitting material information and/or making false statements that could mislead consumers. <P/>Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. '' 1692e False or misleading representations " Communicating or threatening to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec 617 Any consumer reporting agency or user if information which is negligent in failing to comply with any requirement imposed under this title. in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) 1692 e. False or misleading representations " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity Id dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX XXXX Balance : {$24.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

This mortgage lender is refusing me a loan modification even though I work and have income and is dragging there feet and adjourning the case to drive up the arrears forcing me in to a bankruptcy to save my home, they have not sent me a statement in 2 years to make a payment ( no monthly payments I am now {$110000.00} in arrears and I offered them {$100000.00} on XX/XX/2018 and they refused they are not allowing me to work things or mortgage out I believe at this time because of my XXXX or my age at this time.as I have tried to work things out over and over, so the fact I get no statements it can only be because of my age or XXXX at this point.
Product: Debt collection

I was billed for {$10000.00} for going to the XXXX  for XXXX pain in XX/XX/XXXX. The hospital settled for {$2500.00} which I paid on XX/XX/XXXX. In early XX/XX/XXXX GSB debt collection agency sent me a notice in the mail that I have to pay {$7500.00} I explained to GSB Debt Collector that XXXX XXXX XXXX had settled with me and that I do not owe anymore to the hospital. I explained this in my email to GSB collection agency and I have attached a copy of the transaction and proof of payment with the hospital on XX/XX/XXXX. I also spoke with Account Manager XXXX from GSB on the phone, on XX/XX/XXXX before sending the email to ask why was I getting a bill from debt collection. She said the account will be cleared if I send the proof of payment to the hospital.. I also spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX and she told me I need not worry because I don't owe and that the accout has been settled. That the hospital will send me a copy of the statement of this account being cleared. I have not received this letter until today XX/XX/XXXX. Yet again on XX/XX/XXXX, the collection agency sent me a letter with an itemized list of charges totalling to hospital acct balance of {$7500.00} and payments and adjustments that I paid for {$2500.00}. This being said, I feel being harassed by the collection agency and that I was scammed by the hospital when they told me they settled but then it appears that I still owe them. I am leery that this is not going to stop and it is interfering with my mental health particularly during this time of Covid and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.
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 590. 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 .This 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX
Product: Mortgage

I began the application process for a 15 year REFI loan # XXXX, for XXXX XXXX XXXX, XXXX HI XXXX on XX/XX/XXXX. I was contacted by, XXXX XXXX who emailed me a list of documents needed for my application ( I think on XX/XX/XXXX ). I believe that I submitted all that was pertinent for my application by XX/XX/XXXX. I paid the application fee of {$500.00} and awaited re-contact by Ms. XXXX to verify that I had submitted all the documentation that was needed. 
On XX/XX/XXXX I received an emailed request-list for documentation that was basically identical to the one sent by Ms. XXXX on ( XX/XX/XXXX? ) from a XXXX XXXX ; I replied by email that I would contact Ms. XXXX and comply with all items required by her as I had already submitted almost everything on the list from Ms. XXXX. I also asked Ms. XXXX who I should be working with on this application. ( She did not answer this ). 
I then ( I think on XXXX ) called and spoke with Ms. XXXX and asked her to tell me the status of my application, After some delay she mumbled that some things still needed her attention and would call me back later that day. She has not called since. I have since left her two voice mails requesting information on my application, but she has not replied. 
On XX/XX/XXXX I received another emailed list ( actually a duplicated email from the email of XX/XX/XXXX ) from XXXX XXXX. I emailed back and asked her to contact Ms. XXXX about this application. I then called Ms. XXXX and left a voice-mail asking for the status of my application. Getting no reply from Ms. XXXX, on XX/XX/XXXX I left another email request for status, ( the new interest rate, etc. ), and informed her that if I did not receive information that allowed me to believe that my application was moving forward by XXXX XXXX  EDT, that I would be demanding a refund of my {$500.00} application fee. 
It is now 4 hours passed the deadline that I gave Ms. XXXX for a status-report, and she has not replied so I have initiated a phone dispute of the fee with my credit card company. 
I claim that Amerisave loan company has very poor customer service, and may be operating fraudulently ( accepting application fees, then discontinuing performance on the application ). XXXX XXXX XXXX XXXX
Product: Debt collection

I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from Greene and Cooper. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES XXXX   XXXX XXXX XXXX XXXX
Product: Student loan

Aidvantage serviced my Direct Consolidation loan in 2023. It was transferred to XXXX on XX/XX/2023. Aidvantage has not had my loan in over a year. But the last update to the credit report from Aidvantage is XX/XX/2023. So the loan is still showing on my credit report. 
Ironically, XXXX has already processed my Public Service Loan forgiveness and the student loan has was forgiven months ago and XXXX has already updated the credit bureaus to show the loan forgiveness. 
So Aidvantage is not only showing a loan on my credit report that they transferred, they are showing a loan that doesn't even exist anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
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 : 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
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from one of our clients into our BoA business checking account. The following day I noticed that the check was placed on an extended hold and so then processed to reach out to the bank to see what was the cause oh the hold. The bank claimed that they could not verify the check, rather, that could not confirm that the check was written out to us even though the client clearly made the payment out to us. After speaking to multiple bank representatives and being placed on ridiculously long hold I then came to learn that BoA was closing our business account with them and would not render any explanation as to why they were doing so. BoA then decided to hold the check that I deposited along with the funds in our account, they disabled our ability to view the online banking portal thus making it impossible to transfer funds onto new account in order to continue conducting business. I made several attempts to regain access to our account, BoA representatives were not interested in helping us resolve this issue, they would constantly transfer me to a new person would then give me the same information that the previous person gave, and would they continue to not provide us with any explanation as to WHY this was happening. I also asked to speak to a department manager and was always denied. It has now been over three weeks and the issue is yet to be  resolved, BoA claims that the account is still in the process of closure, and I have not received the check that I attempted to deposit. As a result this has caused a serious strain on our business andcaused us to miss payments due to vendors and such, and has disabled our ability to conduct  business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all XXXX of my credit reports. XXXX of the alerts expired in XXXX of XXXX and XXXX expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called Transunion this morning because I received an email from XXXX of my creditors that Transunion mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called Transunion and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how Transunion and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. Transunion also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have requested a dispute to be opened regarding an account that I am not familiar with ( XXXX XXXX XXXX XXXX Credit bureaus did not respond with the name and contact individual they with as the data finisher according to my letter requestion correction. I did not receive the verifiable proof used under FCRA 15 U.S.C. Sec 1681 ( I ) ( 7 ), ( 6 ) ( b ) ( iii ). Under sec 609, provide the Original Court Documentation, with signature, that must have on file before reporting. I requested this to be done because they are causing me harm financially and preventing me from progressing in my endeavors.
Product: Credit card

I wanted to purchase something with my Sears/Citi Bank Master card, so I took my card out and I noticed the the card had went past the expiration date which ended on XXXX/XXXX/XXXX. I did n't receive my new card so I called Sears to see if they sent me another card to replace the old one. At first they said that the card had been returned and they would send me another one. After placing me on hold many times they finally came back and said that my account was being closed because I had n't used my card in XXXX months. I currently have a balance over {$2000.00}, I have been making my payments on time and I have n't missed any payments. I opened this account back in XXXX and I have never had any issues with this account in the past XXXX years. Then I finally talk to a supervisor and she tells me that the last time I used the card was on XXXX/XXXX/XXXX and that if the card is not used in a twelve month period the account would be closed. I spoke to them on XXXX/XXXX/XXXX and I reminded the supervisor that I had XXXX more days to go before the year was up. She said that it did n't matter and that my account would be closed anyway. I 'm sure I 'm not the only one who has been caught in this situation and that it may be a nation wide problem. Like I said before, My account has been open for more than XXXX years and I 'm just stunned by the treatment that I received from this company. It 's all most like my XXXX years do n't mean anything to them. I have fought to keep a good credit record and to pay my bills even through the great recession. After all of my hard work to keep my XXXX credit score, I find out that it does n't matter. I almost want to file bankruptcy so I do n't has to pay any of them back. I 'm asking you to help me to fix this situation. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian Inquires that are not mine 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court
Product: Mortgage

Written on behalf of homeowner By : HUD certified Housing  Counselor  Please find the following letter fro m M & T ba nk in regards to non-acceptance of our Authorization to Release Information. It bothers me a good deal that this was the response given. The authorization offered was signed ( e-sign compliant ) and legible as well as dated. Additionally, the homeowner submitted  an M & T branded ARI whic h did include a physical signature.     Please advise -Thanks
Product: Credit reporting or other personal consumer reports

I viewed my credit report a few days ago I would say about XX/XX/XXXX. It is XX/XX/XXXX. When I viewed my report I see that there is a company XXXX in collections. I am not aware of this account it says it was opened in XXXX. I also seen that it said on record until XX/XX/XXXX. I have an account that says on record until XX/XX/XXXX as well which says XXXX which I am aware of. I currently own my home and trying to make good of my credit so I do not need Experian to be providing false information about this XXXX account. The account said on record until XX/XX/XXXX. I checked today XX/XX/XXXX and it says it is still on there. Why is it still on there?