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

Date : XXXX Amount : {$4900.00} XXXX  XXXX  made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from XXXX XXXX. All because XXXX XXXX made a fraudulent account under my name!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Inquiry was made on XX/XX/2018. I am unsure of the amount. I wrote a letter asking for the inquiry to be removed because no loan was secured and no vehicle was purchased.
Product: Debt collection

On XX/XX/XXXX complaint # XXXX was filed on Healthcare Receivables Group and submitted to the CFPB. 

On XX/XX/XXXX XXXX XXXX XXXX receivables stated they are deleting their accounts from the credit bureaus and returning it to their client. 

As of XX/XX/XXXX Healthcare Receivables account remains on my XXXX credit file and this account was updated on XX/XX/XXXX ( attachments provided. ) Healthcare Receivables addresses will receive a notice from me via priority mail no : XXXX XXXX XXXX XXXX US. I will keep the CFPB updated with their reply. 

No further action is required once this account is removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I attempted to check the status of my security freeze at Experian via their website ( where I created the freeze a while back ). There is no account login option on their site unless you are a paid member. To check the status of my freeze ( i.e., remove the freeze ), I input all my correct information and the PIN I created. I then received an error that said, " We were unable to honor your request to permanently remove your security freeze based on the information you entered. '' It then instructed me to mail several pieces of highly sensitive information and documents to complete the unfreeze. This appears to be in violation of the FTC rule that states, " If the request is made online or by phone, a credit bureau must lift a freeze within one hour. '' XXXX and XXXX, in contrast, both offer free accounts that easily provided me access to my credit freeze information.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative reporting by Bank of America which should have been removed during the loan modification because of the court findings. These negative marks date back to 2013 and proceed for approx. 4 more years. I contacted the mortgage department about the situation  and they stated that they were going to look into the situation. I offered to send them a current credit report from all three reporting agencies as supporting evidence and they refused the information. I currently have not heard back from the company for the results or any needed follow-on action or any other information at this time.
Product: Credit reporting

I have disputed XXXX ( XXXX ) accounts with XXXX XXXX on my credit report. The original creditor has considered the accounts to not valid. Experian has not provided me with any information to validate the investigation, and has told me that they will not investigate it again, nor do they have to provide me with any information about their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in reference to the Lexis Nexis knowingly reporting inaccurate data. My credit profile affected by these penalties this looks SUSPICIUOS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation to my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond on 30 days failure to comply with these federal regulations by FTC u.s c41, et esq.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 XXXXXXXX XXXX 

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, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

US Bank ReliaCard was issued to me to deposit my weekly XXXX payments from Pennsylvania. I would do bank transfers as needed. The last bank transfer I attempted was for {$2000.00} on XX/XX/2020. My ReliaCard account indicated it was indeed transferred to my bank account. On XX/XX/XXXX, the funds were still not available in my bank account, nor was I able to attempt another transfer, and the only thing I could do with my account was see my balance. It appeared my account was frozen. I contacted customer service at ReliaCard, and the customer service rep answered the phone by asking if I was unable to use my card. I said yes. He gave me a 10-digit ID number and a fax number and said to fax a copy of my driver 's license to this number with the 10-digit ID number on the same page as my license. I did so immediately after the call. 
A little over a week later I still had no use of my card and noticed the ReliaCard website had a document upload area, so on XX/XX/XXXX I once again uploaded my ID and 10-digit number and received the confirmation # XXXX after submission. 
XX/XX/XXXX, I still had no access to my funds so I once again called ReliaCard customer service and the woman I spoke to said there was a note attached to my account that stated my previously sent fax was too blurry and could not be read. She said the reason ReliaCard was doing this was to prove identity because there is so much fraud going on. She asked me to re-send it to a different fax number and to enlarge my ID by 200 %, lighten it and copy in black and white. I did this and it has been 24 hours and still no access to my card. 
How many times do I need to send my ID, and if they can't read it, then why can't they contact me and get it straightened out?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Debt collection

I am a former resident and I was advised to move out within 24 hours of receiving the move out notice. I moved as requested then received a bill later for charges. The first invoice was incorrect that was emailed to me on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice is email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice at the end of XXXX. The notice from the collection agency is dated XX/XX/2019 so Im confused because the account is not even a month late because of their issue with putting the incorrect information on the move out form that was emailed. Wow, Im very upset that I am being treated this way with this business. I also mailed a check to the apartment complex on XX/XX/2019 and the check was not cashed at all. I did make a copy of the check that I mailed and also contacted my back to make sure the check has not been cashed.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported as late.
Product: Credit reporting or other personal consumer reports

The issue is with Equifax ( credit reporting agency ) Called company for at least a month to resolve the internal/external issue with my credit union not being able to pull my credit report. The credit union continues to receive an error message. The company was contacted over XXXX, times and the requested documents were sent and received on XX/XX/year> by Equifax. The representative spoken to continue to provide different answer with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Name ( XXXX XXXX XXXX ) Consumer Social Security Number. ( XXXX ) Consumer Date of birth ( XXXX ) looked at my Full Transunion credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

According to 15 USC 1681s-2 they are suppose to 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: Student loan

My complaint is against Navient, specifically their private student loan services. Early XXXX, I called and started the process to reduce my interest rate, which would reduce the monthly payment. Originally, they wanted around {$1200.00} a month, which is 50 % of my monthly income. When I first called, I provided them with my financial statement. Then, my co-signer called in and gave them his in-depth financial statement. My co-signer makes less money than I do a month and is unable to help me make the full payment. I can pay around {$600.00} a month. When I called the second time, I spoke with an employee named XXXX ( ID : XXXX ) and she processed my application. She spoke to a supervisor to get my application approved and I electronically signed a contract for an interest rate of 3.0. They automatically took out the money from my bank account and was told that I was good to go, that my application was approved. Later in the week, I get a call from XXXX saying that there is a problem and that I need to call back. I called back the next day to speak with XXXX and was told that XXXX no longer worked there ( She was fired ). The lady that I was now speaking to was XXXX ( ID : XXXX ). She said that the contract I originally signed electronically had to change because my co-signer 's fica score was average to high. XXXX talked with her supervisor and they suggested that the interest rate be risen to 3.5 in order to meet the guidelines of the contract. I signed another contract electronically with the new interest rate of 3.5 and was told that the application was approved. We set up automatic billing again with the new rates, which would take effect in XX/XX/XXXX. A few days later, XXXX calls my mother 's cell phone and leaves a voice. I tried calling back the following day, but they were closed. I called back the next day and was informed that XXXX was no longer with the company ( She was fired ). The man I was speaking with transferred me to his supervisor ( XXXX ) who informed me that my contract that I had signed electronically was void because it seemed like my cosigner has money even though he makes less money than I do. She asked if I want to go into forbearance and I stated no. She stated that my cosigner had to call back in to give his financial statement again. I asked if the interest rate needed to be higher to a 4.0 and XXXX stated no we ca n't process your previous agreement. This entire situation seems unjust and sneaky. Twice I have signed electronic contracts for reduce interest rates. Twice I have been told they are void. Twice have the representatives who have been helping me with these new interest rates been fired. Personally, I 'm living with a XXXX and trying to work full time as a XXXX in order to survive. I can only afford $ 550- {$600.00} a month and that is all that I will be paying a month. The company can either work with me or work against me. My cosigner will be calling at the beginning of the week. I plan on contacting them later this week and, if it becomes necessary, contact a lawyer. Everything that was stated over these phone conversations was recorded.
Product: Mortgage

As soon as we were affected by COVID-19, I called my mortgage company SPS on XX/XX/2020 ; I went into detail about our impact were all to be furlough due to the closures that COVID-19 caused and that I will not be able to make my XX/XX/2020 payment. 
I asked if SPS can assist in helping me with a deferred payment option until we went back to work will be sometime in XX/XX/2020. I spoke to the SPS representative, and she took down all my information. Weeks letter I received a letter from SPS stating that I was placed in a forbearance plan, and by XX/XX/2020, I needed to make a balloon payment of XXXX. 
I called again XX/XX/XXXX and explained I would not be able to come up with the balloon payment and asked how are they assistance with the COVID-19 situation? They asked me to submit my last paystubs to their online system, which I did. I applied for financial aid due to COVID-19. I was told to call again in a few weeks to know the status of my application. 
I receive another mail stating that my load is now in forbearance program and that I needed to make the arrangements to pay the balloon payment. Again I call SPS XX/XX/XXXX asked them about the letter they send me. SPS said that I needed to wait until the three months to see what plan I qualified to call at the end of XXXX. 
They said I could not qualified for the Financial Assistance program because my account was past due. 
Called XX/XX/XXXX, was told to go to the website and fill out more questions. I did not find the questions, called SPS XX/XX/2020, the agent went over the questions with me, and told again the only program available is a Foreberance plan with a balloon payment of XXXX. During my conversation with SPS representative, I stated I could make my monthly payment of {$1200.00}, but I can not come up with the balloon payment. 
SPS stated that's the only option I have.