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

Dear Consumer Financial Bureau, I am writing to formally complain against XXXX, XXXX and Experian regarding the inaccurate reporting of a bankruptcy on my credit profile. I have serious concerns about the validity and accuracy of the claims, and i believe they have fail to comply with legal procedures. On XX/XX/2024 I submitted a Procedural Request letter to XXXX, XXXX and Experian and then again on XX/XX/2024, seeking clarification on the procedures used to determine the validity of the bankruptcy reporting. According to FCRA section 61, paragraph ( 6 ) ( b ) ( iii ), XXXX, XXXX and Experian is obligated to provide this information within 15 days of receiving the request. As of today, i have not received the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached : According to Truth and Lending 15usc1666b : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX  I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

If the Bank was truthful. Rather then using the word Substantial to explains their fees for early closure of the CD. & Refuse to explain their fees when asked. 

see attachments The attachments won't upload. But enclude A letter explaining the issue, copies of statement from bank showing {$6200.00} in charges. from a {$100000.00}. 6 month.CD when closed 2 months early, & they calculated then on a 12 month CD rather then XXXX. I got a 50 % rebate w/ no explanation. 
But it still cost {$3100.00}. If they where truthful I would have put the money in their Money Market Acc. as I did w/ other money that day. then this whole thing wouldn't happened
Product: Debt collection

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Product: Credit card or prepaid card

I applied for Travel Health Certificate on XX/XX/XXXX My trip cancelled so I do not need this certificate It is not issued yet for my XX/XX/XXXX travel Please refund {$65.00} and cancel certificate
Product: Student loan

WESTERN BENEFITS WAS HIRED ON MY BEHALF TO PROCESS A FORBEARANCE WITH XXXX XXXX. 

I WAS NOTIFIED BY WESTERN BENEFITS THAT AN INCORRECT SOCIAL SECURITY NUMBER HAD BEEN SUBMITTED, ( NOT BY MYSELF ) AND THAT IT WAS SMALL PROBLEM THAT WOULD BE FIXED QUICKLY AND NOT TO MAKE ANY PAYMENTS TO XXXX XXXX. 

I FOLLOWED THEIR INSTRUCTIONS. NO APPLICATION WAS SUBMITTED ON MY BELF. MY ACCOUNT WAS 90 DAYS LATE AND I AM UNABLE TO HAVE THAT NEGATIVE REMARK REMOVED.
Product: Mortgage

this is a continuation of the previous complaint. 
The accounting were messed up. 


Please explain the escrow analysis : why the refund amount was XXXX ) check XXXX : {$3300.00} XXXX ) check XXXX : {$760.00} These accounting numbers may mess up our payment history. 

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

Transunion, XX/XX/XXXXandXX/XX/XXXXhave not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!
Product: Student loan

In XX/XX/2010 I began as a student at the Art Institutes Intl - MN. I was mislead by Admissions Staff to believe in certain expectations during my program, and after graduation. I was being pressured by Admissions Staff to start a program at The Art Institutes Intl - MN the entire spring, and summer of 2010. The Admissions staff said the projected timeline of study was 2 years for the Bachelor of Fine Arts program. They said total out of pocket cost would be around {>= $1,000,000} for said program. I should have been able to save even more considering I didn't take their outrageously expensive student housing package which was included in the original program 's plan. I already possessed an XXXX XXXX XXXX from a XXXX  College and I was looking at schools to transfer to. 

I moved an entire state away to attend this school at the terms agreed upon in the summer of 2010 between admissions staff and myself. I came in to sign some things for orientation at the school in XX/XX/2010. I was told that none of my agreed upon loans went through. Not even my Federal Student Loan program we agreed upon and already squared away or so I thought. 

They waited until I was plenty worked up about it, and then offered me a private loan from XXXX  XXXX XXXX XXXX, and financial aid for AI - MN helped me refile my Federal Application. This new XXXX loan required a co-signer. This new Federal Loan was un-subsidized. Both loans contained variable interest rates that had high variable fluctuation. 

My 2 year program turned into XXXX years. During my graduating quarter I learned about the lack of proper accreditation for AI - MN. I reached out to other recent graduates to gauge the work field, and projected income. No recent graduates were hitting the prospected marks post graduation. I attempted to find work for the next 4 years only to be scoffed from interviews, or told my degree was entry level, and I'd have to receive a lower expected salary. My XXXX from the Art Institutes Intl - MN is worthless. 

Currently, my XXXX XXXX  XXXX XXXX XXXX XXXX  loans have defaulted. My Federal Student Loans have been forgiven and reimbursed. I am currently being sued by the State of North Dakota for my Private Loan Default.
Product: Credit card

XX/XX/XXXX / XX/XX/XXXX, I had XXXX Bank of America ( B of A ) credit cards. They were used in a Fraud. I filed a police report and I notified B of A, But B of A, did not remove the cards from my Credit History. So I complained to their fraud office, and to the local bank branch manager many times. I also talked to their Area Manager, in XXXX Ca./ XXXX XXXX XXXX , and he was trying to help me, but could not. They finally removed the bad information for a short time in XXXX XXXX, but put it back on again in XXXX XXXX. I have called and complained to many employees at many offices of B of A ; I have lost the house I was buying last month, because I could not get approved by the lenders. B of A / 1 : Charged off the debts in XX/XX/XXXX, / 2 : Cancelled the debts in XX/XX/XXXX, and sent me and the IRS a XXXX in XX/XX/XXXX, on which I paid Taxes. But they still would not remove the bad credit from my file. Recently, they even show the XXXX debts as a collectable, and now in the most recent credit report, they are showing that I making payments, which of course is not true. ( Which adds to my overall monthly debt ) I was told by the B of A employees, that according to IRS rules, ; B of A, can not collect after they send the IRS a XXXX. Please note that information is too old, and that it should be also removed under the Statute of Limitations Act, which in California is two years only not 10 years. Please help me with this situation that is keeping me totally sleepless and for which my family is suffering greatly. Thank You.
Product: Credit reporting or other personal consumer reports

Filed disputes several times with them and they passed the buck. They did not look into the issues.
Product: Debt collection

On XXXX/XXXX/XXXX, I was again contacted at my workplace and a message left on my home phone about a online payday loan from XXXX. In this call the person identified herself as XXXX XXXX and she was contacting me about a online payday loan from XXXX and if I did n't pay the loan my employer would be contacted, debt would be added to my credit reports and a judgment would be taken against me. I informed XXXX XXXX I have asked them before, a few years ago, not to contact me ever again about this online payday loan that I have no knowledge of. XXXX XXXX told me they would continue to contact me until I paid the loan. I have had no communication of any form regarding this debt in years. The telephone number left on message was XXXX, but number on called was XXXX. XXXX XXXX stated she was with XXXX XXXX XXXX, but online the company shows to be XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.
Product: Debt collection

Got 2 calls back to back. First call, I answered explained I made no deals with their company and told them not to call ir be reported here. 

Second call I explained I had told them NOT TO CALL AND WAS REPORTING THEM TO THE FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I used XXXX to access my annual free credit report from three credit reporting agencies, Transunion, XXXX and XXXX. When I checked my credit card charges today ( XX/XX/2019 ) I saw a charge of {$19.00} ( recurring ) from Transunion from XX/XX/XXXX. 

I had not signed up for any services from Transunion and had not approved them to charge my credit card. 

I called up Transunion to dispute the charge and was told that I must not have accessed my annual free credit report through the correct address, despite having clicked directly through XXXX. When I said that I had not signed up for any services and wanted all services to be cancelled and my {$19.00} to be reimbursed, the customer service person pushed back and asked me if I wanted to cancel {$1.00} XXXX insurance coverage for identity theft. I had never requested this in the first place. They eventually said that they would cancel my subscription and reimburse me the {$19.00}. 

I am absolute furious that a credit ratings agency can charge me without my consent when I go to access my annual free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.
Product: Money transfer, virtual currency, or money service

I advised this company remitly i was a victim of identity theft someone stole my identity and open profiles in there company sent money from my business account to overseas falsificate documents and I want them to refund my money and closed any profile they have of my name XXXX XXXX XXXX or my company XXXX  of there site I submitted police report I never authorized someone to open a profile in this company any transactions auhthorize are fraudulent and product of theft I never open a account I sent police report this company allows theft
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2018 I have been disputeing two account with TranUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX  or any means of automated verification. yet TransUnion allowing XXXX XXXX  and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
Product: Mortgage

My husband and I had a property investment loan with Ditech. The loan was refinanced in XXXX 2016 and as soon as it was paid off, Ditech starting reporting the XXXX payment over 30 days late to the credit bureaus. They put the burden on me to send in XXXX of our credit reports and proof of the bank wire that was sent on XXXX XXXX, 2016. About 3 weeks later, they took off that late pay BUT then 14 days later put it back on. I called and they said it was the XXXX payment that was late. I had to send them proof again of my check dated XXXX/XXXX/16 and proof it cleared my bank on XXXX/XXXX/16. Then they determined they did not apply the payment to the loan. I first started contacting Ditech about this XXXX, it is now XXXX and despite hours of research, multiple letters and faxes and at least XXXX calls, they are still reporting inaccurate information to the the credit bureaus and we have no control over this! I have asked for over 2 weeks at least for a letter stating the XXXX report is inaccurate so I can use that to complete other business and XXXX supervisors have told me I would get XXXX that day and it 's been over 2 weeks. Not one supervisor delivered a letter or even called me back. My husband and I are self employed property investors and our credit score is CRUCIAL to our daily business. This inaccurate information has caused our scores to crop XXXX an d XXXX points respectively and we can not get the loans that we need to for other homes until this is resolved. Also, this has caused numerous pulls to our credit to see if it 's fixed, further reducing our credit scores. In the 2 month timeframe during this, we had several property insurance renewals come up and they were increased because they are based on credit scores. We are even receiving notifications of interest increase on credit cards due to the false late report to the credit bureau. This MUST be addressed. This is hurting consumers. I 'm a professional at monitoring my credit etc because of our business and I ca n't get this resolved. I ca n't even imagine a regular consumer dealing with this sort of situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

XXXX XXXX XXXX XXXX has report on my credit report on XX/XX/2022 and violated the arbitration dispute with XXXX XXXX XXXX that is still ongoing to the present date. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). This account should must be removed from my credit report and all reporting and contacting must STOP IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, XXXX, and equifax and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX
Product: Debt collection

On two different occasions my husband visited the doctors office around the same time we were in transition of moving out of state. The doctors was informed of our new furture address to send the final bills to but continued to use our old address resulting in the two bills getting lost with USPS and therefore we never received the bills. It wasn't until our mortgage lender pulled our credit that we learned of these two descrepencies on our credit reports. We immediately paid the two payoffs and they said that they would remove these negative remarks/collections from our credit. To date they are still on our credit. Please remove from our credit.
Product: Debt collection

I first learned about the debt when it showed up on my credit report. Then another company contacted me stating they were going to fix the problem. The problem was never fixed, I contacted the company that they said the debt was from. That company advised I did not have any debt to them and never had a balance in the amount. The debt collection is for, which is {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, no one is helping me to remove the transactions from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiry and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.
Product: Mortgage

I've already told First Tech Federal Credit Union that I have a pandemic-related financial hardship. Why First Tech Federal Credit Union is still charging me late fee and reported the late to my credit report? 
They waived the late charge but they didn't correct that late payment to my credit report according to https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX .... Balance : ; {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}