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

XXXX I have made a dispute that XXXX information is inaccurate and in return I received letter a confirming their information is accurate. On Equifax website it states and I quote " This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. '' I'm requesting XXXX provided proof of third party vendors that provided this accurate information Equifax, XXXX information which has been provided by XXXX states information provided XXXX is accurate which in fact isn't. Both information provided by XXXX is wrong and inaccurate on both credit reports. Theirs no abbreviations on Federal court documents verifying the government building. the credit report doesn't have the full Federal court government name and theirs no full address of the federal court house on both Equifax and XXXX. By the FCRA any information placed on a consumer credit file needs to be accurate according to the document when placed on a consumers credit file. I request by law for proof of XXXX provided their Investigation is accurate.

. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 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.

Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Student loan

Received email below from MEFA : Competitive new rates We have great news. We just updated the details of our college loans for the XXXX academic year, and they include low, competitive interest rates to help you finance college costs. If you need to borrow a loan to pay for college, take advantage of the many benefits of MEFA Loans, including : Fixed interest rates starting at 3.95 % ( APR* 3.957.30 % ) No origination or application fee Multiple repayment options An easy, online application Visit our website to learn the important details and to apply. 

When I applied I was offered 4.4 % and my credit score is XXXX with XXXX   and XXXX with FICO. If I do not qualify for the low low rate, who does? They should have to disclose that applicants with a credit rating of 845  or higher receives the lowest rate or something like that. I think this is a classic bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.
Product: Credit card or prepaid card

Yes, I made a purchased of a computer from XXXX website, it arrived to where it would not boot up. I tried to return it to the store, thats when I finds out that Ive purchased it though a third party which I didnt know XXXX XXXX third party vendors on their website. XXXX customer service rep at the store told me I had to go to XXXX. I goes to XXXX about XXXX  days later then they told me I needed a returned label. I didnt know how to request a return label, the young lady at the store did the request. So while XXXX waiting on the label from XXXX it came from the third party vendor, XXXX XXXX. When I found the email I printed it and goes back to XXXX. The XXXX clerk told me I had to go XXXX. The company wants to fix it and sent it back at new price cost. I still dont have the computer since XXXX. XXXX wants me to pay for a computer that never work
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXXXXXXXXXXX - IDENTITY THEFT XXXXXXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT XXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting ( XXXX XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Product: Checking or savings account

I tried to XXXX money to cover the deficiencies twice but they account for some reason would not let me receive money. I canceled the first XXXX on XXXX and then requested a second one but it would not allow me to recive money again..tried calling the bank to find out what is going on was on hold for XXXX hour and then got hung up on... .it is ridiculous
Product: Credit card or prepaid card

On XX/XX/2019, the XXXX Florida XXXX breached its agreement with me by failing to provide an overnight stay. I promptly notified American Express that the hotel charge was made in error. Yet, American Express refused to remove this charge from its invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans used to be with XXXX XXXX, then was transferred to XXXX. XXXX discharged my student loans due to my disability. I tried to get the 3 credit bureu 's to fix my student loan 's on them to show closed or paid off. I even uploaded and mailed in proof of the discharge to all three, XXXX XXXX doesn't exist anymore, all their phones are disconnected, i have disputed to all three credit bureau 's at least 7 or 8 times and each time they keep saying that the investigation shows the information is accurate. How can it be accurate when they can't contact fedloan, two, i uploaded and mailed in proof of my loans being discharged. Why aren't they going by proof mailed to me from XXXX themselves showing that each loan was discharged. If you google XXXX XXXX, this is what you get : XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XXXX XXXX, and all loans in the XXXX portfolio have been transferred to other servicers. So being that they are no longer active, they were sent to XXXX in my case, in which nelnet discharged mine due to my disability. Why is it so hard to get the 3 credit bureau 's to actually fix my student loans on my credit reports, I mean evidence shows that it should show paid off, as well as XXXX said they should show paid of as well.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX XXXX failed to transfer {>= $1,000,000} through USAA wallet to XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX is missing {$7700.00} withdrawn from account XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of Identity theft and submitted documentation for account XXXX and XXXX along wIth FTC identity theft XXXX and other paperwork reports and nothong was done company experian keeps stating account is mine but has failed to verify.
Product: Mortgage

Last XXXX, I was notified by Bank of America that my automatic mortgage payment would not happen, due to their implementation of a new servicing system. So, in order to ensure my payment arrived on time, I manually made my payment. Then I was notified that my automatic payment was processed, resulting in two payments. I asked them to apply the 2nd payment to the following month, but for the next 5 months, they made repeated mistakes in correcting the loan payment, warning me about delinquency and even charging me late fees. Finally in XXXX, they resolved the issue and reversed all of the fees. I made my XXXX payment with no issues. 
Using their online banking application, they sent me an electronic bill for my XX/XX/XXXX Payment. I paid that payment on XX/XX/XXXX. Around XX/XX/XXXX, the notified me that I was late for my XX/XX/XXXX payment. I looked online and found they applied the XX/XX/XXXX electronically billed payment as principal curtailment. I need this corrected in less than 5 months. I have spent many many hours on the phone with them trying to resolve this. 

Here are the previous ticket numbers created by thier service desk and central escalation office. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance : {$430.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$200.00}, Original Creditor : XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

On XX/XX/XXXX I was pre-approved by Third Federal Savings and Loan Association of Cleveland for a house purchase that ended up not working out due to circumstances outside of the loan process. 

After some more house hunting, I went to re-apply for a pre-approval from Third Federal Savings and Loan Association of Cleveland on approximately XX/XX/XXXX 

A letter of Denial was sent out on XX/XX/XXXX saying my credit was inadequate. I was confused on some of the wording of my credit score. I spoke to a representative at Third Federal and was told " Not to worry about it '' and that she saw " A different number '' on her report. According to her, this letter was sent out by mistake. 

Approximately two weeks later, on XX/XX/XXXX, I began to become concerned because of the lack of communication after the last conversation. I called the representative back and was told by one of her colleagues that the denial was actually valid. The representative I spoke to originally was out that day. 

I called back the next day in the morning on XX/XX/XXXX and spoke with the original representative. She stated that the denial was valid, but had me forward a direct pull I received from XXXX XXXX and she would " Talk to her manager and see what she could do ''. 

I called back once more in the afternoon ofXX/XX/XXXX and asked to speak with the original representative. She was at lunch, so I asked to speak with her manager. After some clarification on the verbage of the denial letter, I was again told the denial was valid and final. I asked why I was told two weeks ago " not to worry '' by the representative while during that time I could be pursuing a loan from a different entity and an answer could not be given.
Product: Credit reporting, credit repair services, or other personal consumer reports

request Debt validation documents { four corners rule apply } as per enclosed document Equifax your own credit report states omission of fraud reporting these documents are enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXXXXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


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

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is ] XX/XX/2020. The bureau reporting is Equifax. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accuracy of multiple inaccurate late payments reported on my credit file. You will find proof the company TRANSUNION is actively violating Federal Law U.S.C 15 U.S. C. 1681i ( a ) ( 5 ) ( A ) : Mandating the deletion of information if it can not be verified as accurate. Failure to provide original account-level documents constitutes a failure to verify under the FCRA and necessitates the removal of the disputed information from my credit file. Verification via automated systems is insufficient and does not meet the legal standards required for an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments are innaccurate. I have talk to several representatives and no one could do anything. I reported fraud for charges on XX/XX/XXXX XXXX, XX/XX/XXXX. Capital One charged me for late payments for XX/XX/XXXX. I told the representative that Im not paying for charges I didnt make. They never removed the charges from my account. Also I have a new account Capital one QuickSilver Rewards credit card for the past 2 months. The late charges are on my new account too. My old account is Capital One platinum is were CapitalOne put the original late charges.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

XX/XX/XXXX. Amount {$270.00}. Back in XXXX I was put into collections with XXXX XXXX XXXX for a bill that started out over {$300.00}. I don't remember what collections company I was paying back in XXXX but I made around 5 or 6 payments. When I went to make another they informed me my account showed XXXX owed. I wanted to make sure it was true. So I called XXXX they informed me on their end it showed it was payed off. It was NEVER showed on my credit. Since XXXX I've had a XXXX  bought a house and got XXXX. Now ALMOST 5 years later. I got a letter from a place in North Carolina. stating I owe money. I called XXXX and they said NOW it shows I owe {$270.00}. I stated to the lady it was PAID back in XXXX according to the collections company and YOU guys. Apparently they now have a new Collections company and it's showing I owe. This is ridiculous! This is nearly 5 years old and told by both them and the collections back in XXXX everything was good. And now it randomly says I still owe!?!?!
Product: Mortgage

We are experiencing major problems with our lender, PHH Mortgage. Our original loan was sold to them and since then everything is off-kelter. For instance, we previously negotiated a payment date at the start of the month with our original lender, however, PHH refuses to honor this agreement and insists that we pay in the middle of the month. Such being the case, they constantly insist that we are behind on our payments and absolutely refuse to adjust the payment date as we request. Secondly, they refuse to adjust the amount we need to pay in town taxes. We reached out and they absolutely refuse to either let us pay separately, or pay correctly. Lastly, and most importantly to date, they failed to pay our insurance company! We recently received word from XXXX that XXXX did not receive payment and we are uninsured as of XX/XX/XXXX, when PHH should have paid them on XX/XX/22. Our insurance and taxes are rolled into our monthly payments, so it is appalling that they wouldn't take this seriously. 

I am now trying to negotiate with XXXX, but request that you please assist with the matter because seeing the carelessness of this company I simply don't know how they're going to XXXX up next. 

Thank you for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently alerted by my employer that my personal information was leaked in a data breach. So today, XX/XX/XXXX, I applied to receive copies of my credit report via the governments " Annual Report '' website. I was able to retrieve both my XXXX and XXXX reports without issue. However, Transunion denied me access to the report online. They instructed me to call customer service to get a copy of the report, but the number is an automation which kept running in a loop. This is not the first time I've had a problem with Transunion. In XX/XX/XXXX, I attempted to get my credit reports for another purpose. I was able to get my reports from XXXX and XXXX again without issue. However, Transunion steered me to the customer service number yet again. Desperate to get the information quicker, on XX/XX/XXXX, I paid for the Transunion Score & Credit report for {$24.00}. Miraculously, I was able to access my information online. And, no ... this isn't a log in issue or failure to guess the identifying questions correctly -- if you look at the screenshot on Transunions website, I was able to log in to my account ( see top right corner which states " Logout '' ) but still not allowed to access my credit report. Transunion seems to be engaged in the deliberate scheme of holding consumer 's credit reports hostage for payment in clear violation of law. If you don't pay up, you have to get your report via postal mail which takes longer, especially to dispute. This is a very calculated scheme and they should be held accountable for it.
Product: Student loan

I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount.
Product: Debt collection

In XXXX of 2018 we were victims of the path of Hurricane Michael, I had no access to internet or phone for a significant amount of time, was out of my job, and barely had a place to sleep. I have contacted Monterey Financial on MULTIPLE occasions to see if there was any way they could take me out of the Career Step financing I had scheduled because of the disaster we were affected by and they refused to try and make any arrangements at all. I have called countless times over the last two years and every time I speak to someone they are nasty and rude and unhelpful. Its not an amount I can pay back especially because I couldnt ever take the class that the payments were for.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXXXXXX XXXX in XXXX of 2023 PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Product: Vehicle loan or lease

According to TILA section 15 usc 1605 I am requesting my finance charge and other violations that meet the criteria to rescind this contract based on consumer laws. I will be taking legal actions against United Auto Credit for such violations.