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

questions on the equifax site asked to verify my identity when completed the site tells me it can not confirm my identity. I have called them and confirmed but nothing was fixed i am under the impression that a credit card or loan was taken out in my name that i did not authorize. Is there anything that the CFPB can do for me in this case?
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquiries be removed.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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 received Transunions response to a previous dispute dated XX/XX/2019 which state that the accounts where either updated or verified. DEPT OF VETERANS AFFAIRS # XXXX .... DEPT OF VETERANS AFFAIRS # XXXX .... On Monday, XX/XX/2019, at XXXX EST, I contacted Transunion via recorded phone call and requested the method of verification, for the listed accounts above. I requested that I be made available to the information in writing, in which Transunion verified/updated. I requested : The persons name they verified the dispute with and also any and all documentation used to verify/update the dispute. I asked that the information be mailed to me within the allotted time designated by the FCRA. After not receiving the information requested, I made an additional phone call to Transunion and spoke with a Representative, via another recorded phone call on Monday, XX/XX/2019 @ XXXX EST. I informed the rep. that I had previously requested the method of verification via phone, be mailed to me. Exercising my rights under the FCRA. I informed the rep that Transunion is currently in violation of the FCRA fair credit reporting act, as I have not been provided the infomation that I requested. I was told that I could request the information from the creditor. And I again quoted the laws of FCRA. As stated in FCRA 611 ( a ) ( 7 ) you must provide the information for the following accounts no later than 15 days after receiving this request. In accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This was not a request for a reinvestigation of the previous dispute. Several times, I was asked if I wanted to open a dispute and I told her several times that I did not want to open a dispute at this time ; that I called to express my concerns why the information requested had not been provided, as stated by law. I explained that I told the the previous representative this was not a reinvestigation but rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 
I do have proof of the conversations with Transunion, as the company states that the calls may be monitored, and in the state of NC, only one person has to give consent for a conversation to be recorded. I too have a recording of this conversation and can provide proof.
Product: Payday loan, title loan, or personal loan

I am behind on my loan. My husband recently lost his job. The company keeps calling. They call me multiple times a day. They leave me multiple messages. They keep calling my job multiple times a day. Now they have stopped calling my personal phone and only call my job. They will not stop calling me at work. I am afraid I will loose my job because of this. This violates my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

I am filing a formal complaint against Synchrony Bank regarding the arbitrary and unjustified closure of my XXXX XXXXCar Care account. Synchrony Bank closed my account without adequate notice or explanation, citing a disputed mortgage payment reporting issue that has yet to be resolved to my satisfaction. 

I have been actively working to address this mortgage reporting dispute, yet Synchrony Bank unilaterally decided to close my account based on incomplete or inaccurate credit information. This decision was made without any effort to verify the legitimacy of the dispute or consider my long-standing history of responsible credit use. 

The negative consequences of this account closure are significant. By closing my account, Synchrony Bank has reduced my available credit and increased my credit utilization ratio, both of which have had a detrimental impact on my credit score. This action is unfair and has been taken despite my ongoing good-faith efforts to resolve the mortgage reporting issue. 

I have attempted to contact Synchrony Bank to request a detailed explanation and reconsideration of their decision, but I have not received a satisfactory response. Their lack of transparency and disregard for due process in this matter is concerning and warrants further scrutiny. 

Resolution Requested : I request the Arizona Attorney Generals Office to investigate this matter and take appropriate action to ensure Synchrony Bank : 1. Provides a clear and detailed explanation for the closure of my account.

2. Reconsiders their decision and reinstates my account if no justifiable reason exists for the closure.

3. Ensures that this closure does not misrepresent my creditworthiness to credit bureaus. 
XXXX. Reviews their policies regarding account closures related to unresolved credit disputes, ensuring that consumers are not unfairly penalized for disputes beyond their control. 

I believe Synchrony Banks actions may be indicative of broader unfair and deceptive practices that negatively impact Arizona consumers. I urge your office to investigate and take any necessary corrective actions. 

Thank you for your time and consideration. Please contact me if you require any additional information.
Product: Credit reporting

It says that I 've lived at XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived outside XXXX please help!!
Product: Mortgage

XXXX, loan servicer indicates resuming payments after Covid 19 hardship forbearance is not an option on USDA GUARENTEED 502 loan due to USDA guidelines, however CARES Act Forbearance Fact Sheet for Borrowers with FHA, VA, or USDA Loans Announcement says : USDA XXXX XXXX XXXX Guaranteed Loan MortgagesHide USDA XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance. 

If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options. 

Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written re-payment plan to resolve any amount due or, at the borrowers request, extend the loan term for a period that is at least the length of the forbearance. 

Visit USDA XXXX XXXX coronavirus website for more information on forbearance for USDA guaranteed loans. 

PennyMac indicates precovid delinquent however no indication or notice of payment issues provided by pennymac allowing the opportunity to address. Account reported as current to credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX prior to pandemic.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX These companies have violated my rights.

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, states a consumer reporting agency can not furnish an 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, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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: Checking or savings account

I continued to use my card because the company stated that the funds were available to use in my account and after a while they were not. I all of a sudden stated to get over drafted an over draft fees by the company which it was only them getting the funds back that they told me were available and made it seem as if they were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several HARD INQUIRIES to banks and car loans that were identified as identity theft by me. I called to get these removed from my credit report and they are still there.
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an XXXX XXXX assisting me as a victim of XXXX XXXX XXXX XXXX which is categorised under XXXX  as per XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Student loan

I previously had my federal loans with Great Lakes and was on a income-based repayment plan and XXXX  repayment forgiveness plan. In XXXX I was switched to forbarence without my knowledge and understanding and was not switched back until XXXX missing out on 3 years of repayments which I could have made and contributing to the total 10 years required before my federal loans are forgiven. Great Lakes refused to help or remedy their error. My loans are now with Fed XXXX XXXX who cant or wont help me. The 3 years I missed out are now going to be when I am done with training which will be substantially higher payments than I would have otherwise paid.
Product: Credit reporting or other personal consumer reports

I have went over my credit report once again and i have a few accounts that i did not open. Please help me get these accounts removed they are affecting my credit score drastically. I did not open these accounts.
Product: Student loan

Sofi denied loan # XXXX due to " Does not offer credit on the terms requested '' They stated that they are not able to refinance student loans when the borrower is " XXXX XXXX '' however nowhere on their guidelines, terms, website, or FAQ does it have this listed at all, otherwise I would not have bothered to apply. 

In addition to this, no other reasoning for the denial was provided, and the funny thing is that they allowed me to refinance earlier this year, for the exact same loan, while I am " XXXX XXXX XXXX ''. 

According to them, this is " an oversight '', however to me, it seems like discriminatory or false lending terms under the pretense of promising a lower rate.
Product: Debt collection

I've disputed this account multiple times with both the credit bureaus and Transworld Systems Inc, and I have never received anything in the mail in reference to this account. I can't verify, or dispute this debt. That is a violation of the FDCPA. Please help me!
Product: Credit card or prepaid card

Tide water keeps removing and replacing account on credit file. They have the account with a past due {$760.00} balance with its suppose to be {$0.00}. They will remove it one month and replace it the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting Equifax Credit Reporting XXXX  Credit Report All these agencies have negative/inaccurate information on my reports. 
Addresses where I have never lived. 
Names I have never had. 
Inaccurate information or old information that has never been removed. 
XXXX says not enough information to generate a credit score. Which negatively impacts my lack of score. 
None of them report the same information and you can not get the changes made to the reports. This has interfered with my ability to finance a home and purchase vehicles in my name. 
Also the score the banks get and the score the consumers are all different so what are consumers to base their information from. This entire credit reporting system needs to be over hauled. 
This is causing consumers too much money or denial of financing due to inaccurate reports of the XXXX major companies.
Product: Mortgage

I sent Trinity Financial Services an offer letter datedXX/XX/XXXX to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on acceptance to the offer or counter offer. I have called in almost every other day with no response, been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me.
Product: Checking or savings account

l noticed that my account always was minus at the end of the month. i thought that maybe i had subscribed to something and did not know. when i investigated, i found out the bank was robbing me blind. they were saying my money was there.when i pulled it out they made it an illegal pullout. then made it a minus and charged me an overdraft fee on top of it..so when my money did come in i was already minus on the money i pulled out. even if there is some legalese that protects them it is immoral fora bank that you felt was protecting you to be robbing you blind.wells fargo bank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  bill sent to collections being reported on credit for several months affecting my credit score. Disputed to the 3 bureaus the incorrect and inaccurate info which caused my score to drop XXXX pts. Was told the information was correct. After months of contacting the XXXX  office and requesting a pay to delete, they confirmed amount incorrect and should have never been reported. A few days later it was removed from my credit but the XXXX it's were not given back for the error in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX, EQUIFAX, and XXXX remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
Product: Credit reporting

As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$0.00} to XXXX for XXXX 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. XXXX balance and past due amount is reflected as XXXX on report. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$0.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. A representative XXXX from Firstmark called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from XXXX. Since then, XXXX sold the loan to Firstmark. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at Firstmark to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II Firstmark Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : XXXX Firstmarkservices.com
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

My phone was receiving notifications that I had made several purchases all other the country including different states. Such as gas stations, magazine subscriptions, and other random purchases around the years XXXX. I tried to get my money back and resolve the issue with my information being stolen and used for various purchases, but they did not give me any information about the issue and said there was nothing they could do. This was years ago so I dont have exact dates, but as of now I have turned off my cash app card and only use it to give money to family members as its the quickest option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have incorrect information on my report, addresses I never lived at, a bankruptcy that isnt mine nor did they provide how they verified it was mine. I spoke to the court, they said they did not release information with a persons full social security, that it be impossible for them verify it. They took XXXX  days to investigate it. Also i called to speak to them to dispute XXXX false hard inquiries made on my credit report that werent mine, they said contact creditors, creditors said contact equifax. Equifax would not let me dispute hard inquiries, I informed them i never authorized said inquiries, asked them to obtain proof that i authorized them either in person or show me a paper with my signature, they said they wouldnt let me dospute them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed four enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

The four accounts in question are listed here. 
XXXX  XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

i am dispute this count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX