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

Ive been trying to correct this error since the beginning of XX/XX/year> with an occurring late payment and inaccurate information on my credit report the said companies XXXX And transunion have been violating my rights under the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy 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 the 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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

In accordance with the fair credit reporting act XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting angency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote XXXX and Transunion about the concerns. I did not receive a response. On XX/XX/2021, I wrote XXXX XXXX ( the credit collection agency ), I also have not received response from them. On XX/XX/2021, I wrote XXXX and Transunion again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : TransunionXXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2022 Capital One closed my credit card without consent, however, Capital One still accepted a payment to a closed account on XX/XX/XXXX. The company advertises no late fees or overdraft fees, I also made all my payments on time. The moment I have a returned check causing me to overdraft on my account, the company closed my card and reported my balance extremely over to the major credit bureaus 27 days before the statement date. 
Defamation of Character and false advertising.
Product: Credit reporting

Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in abroad ( XXXX ) since XXXX XXXX until to date. As I 'm planning to visit US again, I tried to activate this card online, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to credit agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue. 

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

Experian placed these inquiries on my report, I have no knowledge of them. 




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 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 or other personal consumer reports

DEPTARTMENT OF EDUCATION/AIDVANTAGE ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : XXXX XXXX  ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX  ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : XXXX XXXX  ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : XXXX XXXX THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company called my mother and told them they were looking for me concerning a debt. I called the company back and left my number. The next day the company calls and tells me they are a law firm bringing litigation against me for a debt I supposedly owe. I asked the representative to mail me a copy of the original debt that I supposedly owed to verify its authenticity, at this point the representative became very irrational and confrontational. I stated to never call me again. This phone call has been proceeded by several calls over the past few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.
Product: Credit reporting or other personal consumer reports

i think it was on XX/XX/XXXX that an unknown person took out a XXXX loan on my credit card and i am trying to just get a police number to write on the paperwork.
Product: Checking or savings account

I had an working debit card that wasn't going to expire until XX/XX/XXXX. I was sent another card not sure why, I put it up because my card was fine. Went out of town on XX/XX/XXXX and my card was fine. I go to a Bank of America ATM and my card worked. I tried to withdraw more money and my card wouldn't work I call customer service and my card was cut off because I received a new card and the bank was changing from MasterCard to Visa. The customer service tried to activate my debit card and they couldn't get it to link. So I'm 300 miles away from home with no money. I couldn't check in my hotel because I had no card. So a family member paid for the room and I gave the money back. I get home activate the new card. I tried to use the card Wednesday and it wouldn't work. I called customer service 3 times to be told they couldn't link the new card to my account and would be sent another debit card. I advised the representative that I need my card before noon because I will be going out of town. I was told no problem. I tracked the new card this morning and it's not scheduled for delivery until XXXX tonight. I called number service this morning XX/XX/XXXX and was told there's nothing they can do. I was told that I can go get a temp card but you can't check into a hotel with a temp card. I asked they contact XXXX to change delivery time and they refused - stated they can't do that. So here I am with travel plans and no access to money. So I have booked a hotel and can't check in and I have no money. I have to take off work to go get a temp card.
Product: Student loan

Hello, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed 2 specific payments that are not counting towards by Public Service Loan Forgiveness programs for loan # 3. I contacted FedLoan Servicing initially through XXXX on XXXX to dispute this. I received a call two days later to review my concerns. I spoke with XXXX who assured me she was my point of contact until this was completed ( XXXX ). XXXX indicated when my loans were originally through XXXX, when I paid my loans as a lump sum, XXXX improperly allocated my payment to this loan, two months in a row, making me short {$.00}. She indicated I would need to provide bank statements to show I paid the entire amount of the loan, and that this was an error on XXXX part, improperly allocating my payment. I have called on XX/XX/XXXX and XX/XX/XXXX to follow up with this concern as I have bank statements to get these months counted towards PSLF. ( And they should have because I have auto debited my loans for the entire duration I was paying them. ) As of today, XX/XX/XXXX, FedLoan Servicing has yet to respond.
Product: Checking or savings account

On XX/XX/XXXX, I went to an ATM in XXXX XXXX XXXX XXXX, XXXX to withdraw money using ATM/debit card. I received my money, and a card was returned to me, which I placed in my wallet, and did not use again. On XX/XX/XXXX, I received a text from Bank of America ( BoA ) asking if I had made a certain purchase. I replied that I had not. I then looked in my wallet for my ATM/debit card, and discovered the card I had received back was not mine. I then went online and reported my card missing. The BoA fraud department contacted me the next day, and told me my card had been used over the past several days to make thousands of dollars in purchases. The amount of fraudulent purchases totaled {$5000.00}. BoA told me it would start an investigation. 

On XX/XX/XXXX, I received a letter from BoA stating it had credited my account {$3600.00} while it researched my claim ( Claim Number XXXX ). I simultaneously received a second letter stating that BoA had completed its research and closed the claim. The letter stated Our records show the transaction activity in question was authorized and posted correctly to your account. BoA debited the {$3600.00} credit from my account on XX/XX/XXXX. 

On XX/XX/XXXX, I called BoA to protest the clearly erroneous decision. I was told that it would escalate my claim and would take 45 to 90 days to reach a decision. BoA has refused to provisionally credit my account and provide me full use of the funds, as is required by Regulation E. Furthermore, BoAs decision that the transaction activity in question was authorized is clearly wrong, inasmuch as the transactions in questions all occurred after my card had been stolen. BoA failed in its obligation to monitor my account for fraudulent activity. The person who stole my card purchased $ {$2100.00} worth of sunglasses from several XXXX XXXX on XX/XX/XXXX, and XXXX, clearly suspicious activity that should have prompted BoA to contact me and inquire if I had made those purchases. In addition, BoA should have realized that it is extremely rare that I ever use my ATM/debit card to make purchases. 

Pursuant to Regulation E, because I reported my card stolen within a few hours of learning that fact, I should be liable for no more than {$50.00}. In addition, because VISA has a zero liability policy, pursuant to Regulation E, I should have no liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). Upon reviewing my Equifax credit report dated XX/XX/year>, I found that my report reflects no collections or negative accounts. However, my FICO score and other reports are showing incorrect negative information, which is unfairly impacting my credit score. I was unable to dispute the errors directly with Equifax.
Product: Credit reporting or other personal consumer reports

This loan was identity theft. Was opened in XXXX of 2019. If you look at my credit report not a single payment was made on this car. I sent certified police reports to this company and they never removed which is a violation of fcra. This loan was obtained like others using my information with the use of a paper copy of a license ad paper copy of a social security card. So unprofessional and unethical. If they do not remove it I will obtain legal action as I know and have proved this was not me who took this car. My ss number is XXXX
Product: Debt collection

A collections account from a company called Amsher Collections was created under my social and stated that the lender was XXXX The amount that I seem to owe is {$5400.00} to the collections agency/XXXX. I have a XXXX account since XXXX and not once have I missed a payment. I contacted the store regarding the collections account and they redirected me to dispute it as I have no debt. I placed a dispute with XXXX and the investigation came back with results that stated that I still have a collections account on my social. I have been always on time with all my bills and this negative remark on my account for which I have no connection to is hurting my credit history. I also have an active fraud alert placed on my account prior to this. I have no idea who is using my information to collect money. Additionally, I have not ever been contacted by the collections company to pay the due- it was only from my XXXX credit report I realized this was even present on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings Bank issued a credit card to someone using my name and SS # and is on my credit report. I have contacted USAA and reported this as well as XXXX. I believe my SS number may be comprimised. 
I have no documents or any correspondense of this matter
Product: Consumer Loan

I had a 60 month term loan, accelerated payments to 48 months in order to payoff loan. Now lender refuses to provide accurate payoff amount based upon payments and date ( s ) received. I wish to clear off the loan, receiver car title and close account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to allow XXXX XXXX XXXX to report inaccurateinformation to my credit file. 

XXXX is reporting a late payment for XXXX & XX/XX/XXXX. Payments were made on the XXXX of the month both of those months. The payment due date on this account was the XXXXof each month. There are previous payments made on the XXXX of the month during the year of XXXX that were not reported as derogatory. 
When I log intomy XXXX  account right now it shows a huge inaccurate amountis currently owed on the account. When I log into the account XXXX shows that I owe a balance of {$1300.00}. This just goes to show how glitched and inaccurate the system holding my information is. 
This account was closed and paid in full on XXXX by my insurancecompany after being deemed a total loss. This account should be reporting closed and paid as of XX/XX/XXXX. 

To be clear there were no late payments in XX/XX/XXXX XX/XX/XXXX or anything reported after XX/XX/XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
I have attached documents to prove that XXXX has inconsistent information on my account and IT IS inaccurate. This is not in accordance with the FCRA. It is your obligation as a credit bureau to correct this inaccuracy.
Product: Student loan

After graduating from a four year college, my students loans with Sallie Mae were deferred for 6 months. After the deferment ended, I was told over the phone with a Sallie Mae representative that if I could not afford my payment I should put my loan into forbearance. I had not yet paid any of my loan at that point, and did not know I could make smaller payments that would not affect me as seriously. I put my loan into forbearance 3 times following that conversation, until I realized what a huge effect it had on my interest. I am now in debt more than ever and feel like I will never get out.
Product: Credit reporting or other personal consumer reports

Went out to purchase a car the dealer ran my credit to 10 different banks without my permission when I told them to run into three different banks so they didnt have proper authorization to run my credit to l 10 different banks
Product: Consumer Loan

on or about XX/XX/2014 I borrowed {$800.00} from a tilebucks own my car title.I made all payments on time..Upon adding all payments made to titlebucks, it came to a totlal of over {$2000.00}.
Product: Credit reporting or other personal consumer reports

Trans Union is reporting inaccurate information on my consumer report. 

FCRA Violation 15 USC 1681e ( b ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires are reporting on my credit report. 

XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The account was removed from my credit due to payments meeting criteria for the XXXX payments qualifying me for XXXX XXXX forgiveness.
Product: Checking or savings account

I had two fraudulent charges on my card with chime ( a subsidiary of XXXX ). I filed disputes for both in XXXX of 2021 immediately after they posted to my account. The first was a {$600.00} ATM charge that was never distributed to me by the ATM, but my card was still charged. The second was much smaller at {$57.00} for a XXXX XXXX  in Maryland ( where Ive never been ). I was issued provisional credits for both after a waiting period of 10 business days. The {$57.00} charge was detected as fraud and I received an email saying the provisional credit was permanent, yet it was deducted the same day. I then received an email saying the {$600.00} charge has been reversed and all provisional credits would be taken back by the bank. There is video footage of me at the ATM during both of my attempted withdrawals. The first ( {$600.00} ) is unsuccessful as can be seen in the video footage as well as the receipt i sent to the bank. The second ( {$400.00} ) was completed correctly as can be seen in the video footage and in the receipt I sent in to the bank. Both of these disputes were overturned and the money was taken back, despite both being instances of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 First Investors Financing made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX XXXX Acct # XXXX After your investigation the account still is reporting late for XX/XX/2022. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/2022. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.