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

On XX/XX/XXXX I sent TransUnion a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent TransUnion another letter Demanding their response on XX/XX/XXXX. It is now XX/XX/XXXX Over 80 days have passed since I sent TransUnion my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from TransUnion in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and TransUnion disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under FCRA due to the inaccuracies and the neglect of federal Law by TransUnion.
Product: Debt collection

I was contacted XXXX at my employment office by a collection agency which was seeking repayment of a student loan. XXXX I confirmed that although I had the same name as their debtor, I had a different birth date, different home address, etc. In short it was clear I was not the person for whom they were looking. Despite this, today I was told that the collection agency Conserve had issued a garnishment order to my employer which is surprising as they already should have had a record of the calls to me at this employer confirming I was not their debtor. I spoke to Conserve this morning and asked for something in writing addressed to me acknowledging their mistake and assurance that this would n't happen again. The XXXX individual was caught is a catch 22 of being unable to speak to me since I was n't their debtor. His supervisor, XXXX XXXX, a Manager with Conserve stated that he could not promise a letter to me as I sought. More troubling than this was the fact that the Garnishment Order was to be certified by the XXXX XXXX. That certification was given by XXXX XXXX whom no one at Conserve knew. I 'm not sure who XXXX XXXX is but he is certifying debt which is completely in error. I believe the attempt to garnish my wage with no warning amounted to an embarrassing hassle for me. One which should have been entirely avoided based on the initial calls to my office. I was not happy that despite causing his hassle, XXXX XXXX could not see his way to drafting a simple XXXX line email which acknowledged that I was not their debtor as such an email would have been in the debt record and would have avoided future confusion. Nor could XXXX XXXX shed any light on Who XXXX XXXX is despite the garnishment order being signed by him. ( See attached. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX XXXX {$21000.00} XXXX   XXXX XXXX  XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) have all violated my rights. 

15 U.S.C 158+ section 602 A, states I have the right to privacy.

15 U.S.C 1591 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions..

2 of the accounts are past the statue of limitations in the state of iowa. And the accounts are inflated and the furthest from truthful. 


and for XXXX and XXXX XXXXr. My identity was stolen and these accounts were opened fraudulently. I notified them both.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have been for a while. I have over 20 fraud accounts listed on my credit report that are not mine. I have been in contact with my attorney and have a police report.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and informed them of the violations they were committing against my consumer report. 

It has now been over 30 days since those disputes were submitted, and I have not received any response. I am attaching copies of all letters that were sent for your reference. 

I request immediate action to address this issue and ensure that the inaccurate information is corrected on my credit report.
Product: Credit card or prepaid card

In XX/XX/2021, became informed of fraudulent charges on card... they were charged in XXXX, Maine ( XXXX ), XXXX... all charges came out to over XXXX... I made many inferences to customer service about charges on XXXX XXXX. I can PROVE I never went to any of these places... I requested copies of all charges on account ... agent told me to look over all charges and see if more show up that she is unable to see on computer ... then highlight ALL charges and send documents back to cc company and they would make sure all gets taken care of ... I did everything I was told to do to prove my case... BUT instead of making me whole by replacing my money back in account... The customer service agent informed me she see 's only {$1800.00} showing ... A few week 's later I received a letter, basically saying the businesses who the fraudulent charges, two said they refunded the amounts ( NEVER HAPPENED ) and that my case was found that I made charges... BUT as I said, I CAN PROVE MY CASE -- my passport was EXPIRED before all charges were made ... .AND I DON'T have ANY traveling stamp 's at custom 's. 

Bank or Credit Card info - Government VA XXXX PAYMENT CARD -- DIRECT EXPRESSXXXX XXXX  XXXX XXXX XXXX XXXX PLEASE HELP ME RECOVER THE MONEY WHICH WAS TAKEN FROM MY ACCOUNT, UNLAWFULLY. 

I appreciate your time... Sincerly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX and Equifax to reinvestigate these accounts! 
XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.Sunrise credit service {$1900.00}
Product: Mortgage

I have repeatedly requested the Escrow surplus  to be paid back to me to no avail.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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: Mortgage

Have been in the process of obtaining mortgage since XXXX of XXXX. Giving Citizens Bank all required information whenever they need. 
Fast forward and it is XXXX of XXXX. Finally we start to move forward again. Citizens asks for updated info from us because everything they have expired. 
XX/XX/XXXX we are told we are in the final steps and ready to close. 
We hear nothing from the bank. 
XX/XX/XXXX we get an email saying the underwriter is reviewing. 
XX/XX/XXXX we get an email saying everything is ready and we will be closing. 
Same day XX/XX/XXXX, we get an email saying we are not ready to close anymore. 
XX/XX/XXXX we are told again that we will be closing. 
XX/XX/XXXX we are told that we need to provide more information again out of nowhere. 
XX/XX/XXXX we are told that we are still not ready to close. 
That is all the updates I have.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Received bill from Comenity Bank late and paid immediately in full {$180.00} Between XX/XX/XXXX and XX/XX/XXXX received numerous phone calls from around the country some from Unknown number. They did not leave a message. 

On XX/XX/XXXX I finally answered one of these phone calls. I was advised it was Comenity Bank and that I missed a payment. I told them I would look into it and be back with somebody in the afternoon. I spoke with a supervisor in the afternoon who immediately put my account in dispute. He also said all late fees and interest would be reversed. He asked me to send a copy of my canceled Check front and back to an address that I verified with him. I did so immediately. 

I followed up on XX/XX/XXXX and was told that they still had not received the payment and they still had not received the copy of the canceled check that I mailed. I was advised to wait a few more days and that they would be in touch with me. 

On XX/XX/XXXX I received a letter from Comenity Bank saying that my account was in dispute. It was dated XX/XX/XXXX. 

On Saturday XX/XX/XXXX I started receiving phone calls again from around the country. At the same time I received an email from XXXX XXXX saying that I had a late payment from Comenity Bank and my credit score dropped over 100 points. I immediately called Comenity Bank and was told that my account was no longer in dispute and that I will be getting a letter in the mail with instructions. I asked to speak with a supervisor and was hung up on. 

On XX/XX/XXXX I called Comenity Bank and spoke with a supervisor. I was advised that they still had not received my payment nor had they received the copies of my canceled check. She told me to follow the instructions on the letter. I immediately set up an online Account and with help from my sister was able to PDF my canceled check directly to the company. I called back two times and asked for a supervisor and was hung up on. 

As of today, XX/XX/XXXX I have not heard from nor received any correspondence by mail from Comenity Bank. 

Please help!
Product: Credit card

While using a company called XXXX XXXX to monitor my credit, I was told that I was able to check approval for a new line of credit using a soft inquiry that would not impact my credit. The company ran my credit without my authorization for a company called XXXX by Goldman Sachs that resulted in a hard inquiry of my credit. I did not authorize this company to access my credit reporting file for extending credit.
Product: Student loan

I called the Federal Student Aid office on Monday, XX/XX/XXXX and happily discovered that I have completed XXXX of XXXX PSLF ( Public Service Loan Forgiveness ) payments on my financial aid loans. So, when I make XXXX more payments I will meet the requirements of the PSLF program to qualify for the balance of my financial aid loan to be forgiven. XXXX, the phone rep explained that I could " buy back '' these XXXX months and guided me through the application process online. The Massachusetts Attorney General 's Student Loan Assistance Unit explained to me via email that the buy back processing has been paused. This means that I have to pay XXXX more monthly installments and accrue more interest on my loans. In addition, I received a letter via email from EdFinancial dated XX/XX/XXXX explaining that my next monthly IDR payment of {$1000.00} will automatically be debited from my checking account on XX/XX/XXXX. ( I am on auto pay ). This figure seems quite high as EdFinancial handles half of my outstanding student loan balance of {$100000.00}, and XXXX handles the other half ( {$100000.00} ). I called EdFinancial on XX/XX/XXXX to discuss the miscalculation of my monthly IDR payment with a supervisor. The phone rep explained that she could not transfer me to a supervisor, that the supervisor identified there was an issue with the monthly payment amount, and that they will need to get back to me about this. The phone rep also apologized stating that EdFinancial is experiencing extreme delays in processing and that they are very disorganized at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX  ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to XXXX, Transunion and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : Transunion XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from Transunion on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did Transunion need to update? XXXX results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : Transunion-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : Transunion- {$2900.00} XXXX- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : Transunion- {$3000.00} XXXX- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX  investigated and believed this was accurate, Transunion & XXXX last update was in XX/XX/XXXX. 5 ) DATE LAST ACTIVE : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : Transunion/ XXXX:XX/XX/XXXX XXXX- XX/XX/XXXX As an consumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX  and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eagle Loan Company is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove a discharged bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Experian trying to get this removed for years. First of all, this account is only being reported on my Experian file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Experian has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Experian 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Experian in order to get this removed. If all this is true, how can Experian respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Experian failing to process my dispute properly.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX  As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called SunTrust bank this morning at XXXX est. I had an issue where I can funds available for a transaction and positive balance after the transaction. I was charged {$36.00} NSF fee and called to discuss with bank. 
I talked to a agent ( XXXX ) provided my issue as to what my online/app is reporting as activity, and the agent told me that this is not what is showing on her system, and offered to send over screen-print to have reviewed. I informed that not the consumer issue if their system reflects something different that the online system, we as customer rely upon our access to know what is available. 
The agent informed that due to a courtesy waiver was already completed in XXXX that she could not assist, and that this is all that she could report. The agent and myself did not meet an consensus about the final results and I asked to speak with a supervisor. 
Supervisor Mr. XXXX came on the phone, and informed of the same concerns. I was told the same information, and offered yet again to send over screen prints of the transactions, and the Supervisor bluntly was dismissive and when could not reach an agreed upon consensus I asked Mr. XXXX to transfer me to his manager, and told refused, and told understand if no one was available that he could take down my number and have them to return me a call. The Supervisor refused to escalate the call, and have a manager to return my call, citing my warranted and that I could place my concerns in writing, which is what I'm doing here. I do not agree with the bookkeeping of SunTrust, and not willing to accept information to make a fair assessment of my concerns or complaint. I was informed to place my issues in writing. the supervisor was rude, and dismissive and not customer oriented to assist the consumer. the form says that the NSF charge is for the fee of {$6.00} XX/XX/2019 when it was clearly a positive balance after the charge listed.
Product: Bank account or service

I HAVE A MORTGAGE WITH BANK OF AMERICA AND SENTA A FAXED REQUSEST NOT TO PAY XXXX INSURANCE PLOI CY RENEWAL XXXX XXXX 2016 AS I HAVE SECURED A PRIVATE COMPANY TO SUPPLY MY INSURANCE COVERAGE. I WAS INFORME D BY BANK OF AMERICA THAT THEY WILL PAY ANY POLIC THAT COME IN AS A BILL WHETHER THIE IS A DUPLICATE OR OR NOT. ANY REQUEST TO NOT PAY ANTHING FROM MY ES CROW ACCOUNT IS DENIED THEY WILL NOT DO THIS. DO I HAVE NO RIGHTS TO CHOSE MY INSURANCE COVERAGE AND THE COMPANY I WANT TO DO BUSINESS WITH. 
I FEEL THIE IS MY CHOICE NOT THE BANK 'S I AM THE ONE THAT HAS TO PAY FOR IT. I HAD XXXX FLOOD POLICIES LAST YEAR BECAUSE INSURANCE AGENT DID NOT ACT WHEN I INFORMED HIM THAT I THAT I HAD ANOTHER POLICY. CAN YOU HELP