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

I have a Mortgage account that is showing me 30-60days or more late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). was allowing for consumer protection under the CARES act in which the creditors are allowed offering accommodations. I have on my THIRD FEDERAL SAVING XXXX # XXXX account showing XXXX, XXXX date XXXX, XXXX, XXXX, XXXX are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX XXXX company on XX/XX/XXXX. Without my knowledge or my consent the loan 's ownership was transferred to a company called XXXX XXXX. I can not find any information on this company online or anywhere else. I have never received any correspondence or documentation from XXXX XXXX. I was told XXXX XXXX XXXX continued to service this loan. The current creditor is listed as XXXX XXXX. I was informed that Real Time Resolutions is the new servicer of this loan. Real Time Resolutions has requested the letter regarding the transfer of ownership from XXXX to XXXX XXXX, as of XX/XX/XXXX RTR is still awaiting a response from XXXX XXXX. Additionally, I believe this is a time-barred debt. RealTime Resolutions just sent me a letter that there is a lien on my property. I need to see the letter notifying me of the transfer of the loan from XXXX to XXXX XXXX. My account 's current creditor is listed as XXXX XXXX ( I have no knowledge of this company ) and the account 's original creditor is listed as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to delete the account XXXX  XXXX XXXX The last reporting date XX/XX/2019 is incorrect. Please remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries.
Product: Debt collection

Shellpoint Mortgage has been reporting discharged debt to all 3 credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that Equifax, XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

You need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Please provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Credit card

Credit card - PayPal Credit Card Issue - credit companies are steering or unwittingly fleecing people with protection plan fees This isnt the first time Ive seen this this year. I noticed this in my Rooms2Go account as well. Asked my girlfriend to look at her Room2Go account and she was also being charged for payment protection plans she didnt opt into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Student loan

Hello, Back in XXXX of XXXX I submitted my auto-debit on Nelnet to XXXX payments. However, I never selected to have my payment due date advanced as I did not want interest to accrue XXXX certain balances. My XXXX payment did not go through. 

On XX/XX/XXXX I submitted the Income-Drive repayment plan on studentaid.gov to reduce my payment for my Federal Student loans on Nelnet.com. My payment should have been reduced to {$260.00}. I was charged the full amount of {$320.00} on XX/XX/XXXX, they then put my loan in forbearance as they changed my payment to the correct amount of {$260.00} but this causes my next payment to be on XX/XX/XXXX. 

I believe Nelnet is intentionally doing this on many loans to collect an extra XXXX months on accrued interest on millions of dollars in loan value. This is not clear to average consumers the impact on future interest impacts. It is also extremely difficult to select how additional loan interest payments can be allocated to different loan groups/lots. 

I have spent multiple hours on hold with agents trying to understand how they can fix this but the hold times are in excess of XXXX hours each day. The end of the loan pause has been know for over 6 months these issues should've been resolved and agents prepared to explain this to consumers. 

What I thought was going to be processed : XX/XX/XXXX - {$320.00} XX/XX/XXXX - {$260.00} and monthly going forward. 

What actually processed : What I thought was going to be processed : XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$320.00} and {$260.00} monthly but starting on XX/XX/XXXX. 

As the future payments are going to be based on different income amounts it is difficult to calculate my full impact on interest they will be able to collect on the new amounts. I have about {$26000.00} in student debt assuming all was at a 5 % interest rate. I would have expected to pay {$7500.00} in interest and have XXXX payments. But now would have paid a total of {$7600.00} in interest and an additional month payment with a final pay-off month of {$100.00} totaling an extra {$440.00} in interest paid to Nelnet ( XXXX in interest + XXXX in payments + XXXX in last month remaining balance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my report and found on the inquiry section a inquiry not made by me. Contacted both XXXX  and chase bank services. Chase agrees I have never applied for any of their services and said they notified XXXX  and that XXXX denied that it appeared on my report. I ask for a letter confirming that and they stated they couldnt send me anything to acknowledge this. Hung up called XXXX who then tells me they need a letter from chase. I keep getting the run around. It was put on my report on XX/XX/2021.
Product: Checking or savings account

On XX/XX/2018 I made a {$560.00} cash deposit ( all $ XXXX ) in the Santander Bank ATM located on XXXX XXXX in XXXX, RI. After accepting the cash the machine flashed a quick error message ( wasn't time to write it down or take a picture ) and returned my ATM card. I immediately called the XXXX number on the back of the card ( while remaining at the ATM ) and was told there was nothing they could do but open a case. I asked that the bank manager phone me first thing in the morning to discuss. After not hearing from the bank manager ( XXXX ) the next day, I called and was told there was nothing she could do for me as it would have to wait until the ATM was settled and that occurred once a week or so and she wasn't able to provide a date as they had no set days/times. She referred me back to the number I called the day before explaining she had nothing to do with the ATMs. I called the number yet again and this time spoke to someone who appeared competent and gave conflicting information to what I had asked before. They deposited the money in the account while they performed their investigation. I received a letter on XX/XX/XXXX dated XX/XX/XXXX in the mail stating the review as complete and there was no proof the error occurred and the funds were taken from my account. I immediately phoned Santander again and placed another dispute regarding this and asked how the investigation was done and didn't really get an answer to my question. I asked if they bothered to pull the video and he noted they don't typically do that but would note in my file I requested the video be reviewed. I was told it would take approximately another 48 business hours for them to issue another temporary credit. I asked that a manager phone me to discuss. It is now XX/XX/XXXX and I have not heard back from the bank and am still out the money. Any assistance you can provide on my behalf or information regarding my rights is greatly appreciated. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet got stolen from me in the year of XXXX to XXXX j did a police report but it being so many years back I don't think they still have it on file so what do i do if someone is using my social security card and ID and getting things put in my name like things that are on my credit report is FALSE ... I need this fixed ASAP ...
Product: Checking or savings account

Bank mailed me an offer letter to open a checking account with a {$500.00} balance maintained for 60 days, to receive a {$250.00} cash bonus after 60 days. ( See attached letter. ) I opened an account with this bank on XX/XX/2019, with a {$500.00} balance maintained for 106 days as of today. 
Bank has failed to fulfill their promissory offer, as of today 's date, XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   and again on   XXXX   Chase Bank via  Amazon.com infor med me my credit was ran and applied for credit. I did not authorize this nor did I apply.   I contacted  Chase  at  XXXX  on  three occasions whom informed me the application was clearly fraudulent and they would remove th e inquiry from my credit. My most recent conversation was in   XXXX   and was told it would be removed in a couple days. They remain on my credit and Chase bank has failed to remove the fraudulent inquires.
Product: Debt collection

Constantly being called, i have asked for an original copy of the bill that was claimed to be mailed to me back in XX/XX/2021 that i have yet to receive. These medical bills are coming from XXXX XXXX hospital in the amount of {$190.00}, {$360.00}, {$540.00}. the hospital is constantly reselling the debt, as well as having incompetent workers not taking down the correct information for my insurance, as well as charging me for procedures i did not use in the hospital. actions taken by the company is slim to none, this debts have appeared on my credit report all the while still harrassing me and calling Paramount recovery sys- {$540.00}, {$360.00} XXXX XXXX  XXXX- {$190.00}
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed a hard credit inquiry from XXXX XXXX XXXX out of California. I have never spoken with or heard of this company, nor have I attempted to get a mortgage. I attempted to email and call multiple times since and have not gotten an email back or even been able to get through on the phone during regular business hours to find out why I have an inquiry from them. 
After these attempts I finally contacted Experian to file a dispute and after doing so they told me to file a report through this agency.
Product: Debt collection

This debt is being reported on XXXX and is not my debt. The number to the debt collectors does not work and no proof of debt has been supplied by XXXX or the debt collectors. This is not my debt and I have request 2 times to remove this from my credit history and have not been successful. This debt is fraudulent and I have not had or signed any contract with charter communications.

Please remove this debt from my credit report. Thanks.
Product: Debt collection

Paid the account got the documents stated I paid but the credit card company willnt take it off my credit it still say need to pay and late payments XXXX XXXX and XXXX XXXX on my credit it says XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and despite being informed and given the proper documentation, Equifax is not willing to block the adverse information in compliance with the FCRAs procedures. I have submitted the necessary documents multiple times. In that time, I have been told that the document is invalid and that I need additional information but no one will explain why the document is invalid although It is within the FCRAs legal documentation requirements for this matter. Also, no one will explain to me what else I can give as additional information. I have provided everything necessary by law and whenever I ask what else is being asked of me, no one can tell me. The FCRA clearly states that the company must provide a written description of the steps that were taken to validate a document if it is rejected by the agency in regards to XXXX XXXX. The FCRA also states that the agency must give the consumer a chance to rectify the issue. The FCRA goes on to say that the agency can only ask for additional information in limited circumstances. According to the FCRA, A consumer reporting agency may decline to block, or may rescind any block of, adverse items of information resulting from a severe form of XXXX in XXXX XXXX XXXX XXXX, in accordance with the timing requirements under paragraph ( e ) ( 2 ) ( ii ) of this section, only where the consumer reporting agency can not reasonably confirm the appropriate proof of identity under paragraph ( b ) ( 1 ) of this section for the consumer, and, if applicable, the consumers representative, the consumer can not provide documentation consisting of a victim determination under paragraph ( b ) ( 6 ) ( i ) of this section, or the consumer reporting agency can not properly identify the adverse items of information under paragraph ( b ) ( 6 ) ( ii ) of this section. A consumer reporting agency may not, however, decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumers representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX documentation as defined in paragraph ( b ) ( 6 ) of this section. My documentation has been validated by the XXXX XXXX XXXX, a government XXXX, with Equifax through email. There is absolutely no valid reason why the documentation should be invalid considering it meets the FCRA requirements for submission and because of this, it was validated by Equifax in XXXX of XXXX Equifax is also not giving me a fair chance to rectify the situation because they are simply saying I have to provide additional information but they will not tell me what else I can include. I have provided the documents that were sent to Equifax in this complaint. I am requesting that Equifax, per the FCRA, provide a written description of the steps that were taken to validate my documentation. I am also requesting that Equifax provides a written description explaining how my documentation is not in compliance with the FCRA.
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 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 XXXXXXXX, has violated my rights . 

15 U.S.C 1681Section 602 A. States I have a 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 card

I went to XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the owner convince me to apply for a credit line with affirm l. After getting approved and payement was processed, and signed all the required documents, she expressed she needed to reschedule our appointment for a later date. Our session was supposed to last for two hours, but it only lasted for 5 minutes. When I left the office I felt that the staff very unprofessional .. now affirm is charging for a service I did not receive
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize any of these hard inquires so i would like these to be investigated asap and removed please. 

XXXX XXXX XXXX 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 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

I have been sending dispute letters for how many months now to no avail. The accounts XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX are still being reported on my credit report when they don't belong to me.. Transunion can't even give me sufficient proof as to why they wont remove them.. Simply giving out a computer print out is definitely not enough proof..CFPB please step up and remove the accounts