23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute problems. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and right as a consumer.
Product: Money transfer, virtual currency, or money service

I made a money transfer on XX/XX/XXXX, but the money was not received by the recipient. On XX/XX/XXXX, I cancelled the transfer, but the money still has not arrived on the card.
Product: Mortgage

Regions Bank has reported we paid are Home Equity line late XXXX times in the last XXXX months. They said they only show that they reported XXXX times that we were late and they agreed to remove XXXX of them. It has not been removed, we have had nothing but problems with them and have moved are personal banking from them some time ago. 

We paid off the line due to the fact we had a house fire at the home and are looking to rebuild. Of course Regions is causing another problem. I would just like the problem brought to a close in a timely manner and i know without the help from the CFPB it will not be brought to a close.
Product: Credit card or prepaid card

I applied for a Chase XXXX credit card in XXXX XXXX because I received an offer from XXXX. My application got declined with the reason " previous unsatisfactory relationship with this bank ''. Chase closed all my credit card accounts in XXXX and never give me a particular reason for that. I contacted the Chase again and the associate could not give me any specific reason for rejecting my application.
Product: Credit reporting or other personal consumer reports

There are several accounts that were fraudulently opened in my name after an identity theft incident. I cooperated with the banks in question as well as the authorities in resolution to this problem. Now I'm having trouble opening any bank accounts and am being discriminated against in obtaining funding for my business because of it. ive tried to go through every possible proper channel to remedy this situation, to no avail. and now not only was i the victim of identity theft which has destroyed my credit I am the one that it looks like done this actual act, when i did not. 
According to US Code 1681i there was NO PERMISSABLE PURPOSE and i would kindly like it stricken from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.
Product: Credit reporting

No matter what is asked for them they still share and allow access to my credit report to whom ever pays them or in the case whom ever they pay a data minor that is not checking with the court because they court will not verify anything let alone a fed tax lien XXXX XXXX this tax was released Per the recorder of deeds BK XXXX so why is it that they fill the need to use the wrong information from the start
Product: Student loan

Good Evening, I am currently working towards loan forgiveness via the PSLF program as an XXXX XXXX service member. I recently learned that 99 % of applicants were denied forgiveness for a very similar issue I have experienced. The first two years of my military service there was little information regarding the means to ensure compliance with the complex rules congress established for forgiveness. Further, the loan service company could not answer questions nor provide guidance. Merely through the assistance of an acquaintance, I learned that I must consolidate my loans in order to qualify for PSLF. Nearly two years of payments towards my initial loan payments, paid in the honest and fair spirit of the law, will not count towards loan forgiveness. I believe this is truly an unfortunate and saddening realization that clearly thousands of other public servants are facing. The execution of this program have failed those faithfully serving this great nation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Mortgage

I have a mortgage with United Wholesale Mortgage ( UWM ) When I purchased my home in XX/XX/XXXX I set up an escrow account with UWM, and they began collecting sufficient funds to pay my regular and supplemental property taxes when they came due. When I received my supplemental property tax bill for the XXXX tax year, I sent it to UWM to be paid from my escrow funds. Half of the supplemental tax bill was due in XX/XX/XXXX and the other half was due in XX/XX/XXXX. In XXXX, XXXX, UWM paid the entire supplemental bill instead of paying only the XXXX half that was due at the time. This has caused an ongoing problem with my escrow account that I need resolved ASAP. 
On XX/XX/XXXX, UWM did an escrow account analysis which reflected that my total projected property taxes going forward would be {$9100.00} per year, which is correct. The rest of the numbers were completely inaccurate. The escrow analysis estimated that {$4500.00} would be due in XX/XX/XXXX and again in XX/XX/XXXX. These amounts included the regular and supplemental tax assessments. However, because UWM already paid the entire supplemental bill in XX/XX/XXXX, they only needed to pay the regular property tax bills of {$1400.00} due in XX/XX/XXXX and XX/XX/XXXX. The combination of the early supplemental tax payment, and UWMs omission of that payment from the escrow account analysis, made them project that my escrow account would have insufficient funds going forward. 
Since XX/XX/XXXX, I have contacted them multiple times to correct this problem, but they can not seem to get the impound analysis correct even though they issued two additional escrow analysis forms. On the first and second revisions, instead of correcting the projections to reflect what was actually paid and still due, they simply lowered the projected property taxes in XXXX to reflect only the current regular tax bill of {$2900.00} and completely ignored the supplemental taxes. This reduced the shortage slightly but didnt solve the problem because theyre using numbers that they know are incorrect and will create a large shortage starting this XXXX when the actual property taxes come due again. In my last correspondence with UWM, I was told they sold my loan and they cant help me any longer. They suggested that I start all over with the new lender XX/XX/XXXX. 
Even though my mortgage broker and I have explained the problem repeatedly to them, they cant seem to fix it. Since these are trust account funds, they should be handled with precision. I shouldnt have to explain to my lender how to compute property taxes and when to pay them, when the amounts and due dates are written very clearly on the bills provided to them. Please see the included documentation. Thank you in advance for your prompt response.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) and on Experian its XX/XX/XXXX, if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account number XXXX XXXX XXXX : XXXX
Product: Credit card

accepted 0 % balance Xfr promo APR for 18mo w/Capital One. wrote check for entire balance, yet Capital One approved it. Per policy, check and fee should not exceed available credit ; which means Capital one should have rejected payment and contacted me ; at which point I would have written for a value they determined. As a result, they reported over the limit status to credit bureaus and credit scores dropped over 30 points. Although I erred, this is predatory. If I attempt to charge over my credit limit with my card, it is immediately rejected as a safe keep. How is it that this check had to go through processing, possible Credit Analysis and funding and they completely omit their own policy. This transfer should have not been approved. I have paid my balances down each month with no transactions, only interest applied. I take my credit very seriously and was aiming to be in the 700s soon. I have never opted in to allowing capital one or any financial institution to go over my credit limit. I have contacted them to correct this, they of course will not admit they erred. Please assist in getting my these negative items removed from my bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXXXXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$430.00}
Product: Debt collection

I had a credit card from Best Buy ( credit provided by XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by XXXX claiming I owe Citbank for this same account in the amount of {$420.00}. I provided proof XXXX ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that Citibank is saying it 's valid. But when I contacted Citbank they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.
Product: Credit reporting or other personal consumer reports

I currently have an account on my credit report from Rise Credit XXXX XXXX, which was sold to XXXX, a company affiliated with XXXX XXXX XXXX XXXX. However, XXXXXXXX XXXX XXXX XXXX is unable to provide any information regarding the delinquent account, citing an incorrect Social Security Number ( SSN ). I have reached out to XXXXXXXX XXXX XXXX XXXXXXXX via email to request clarification and to have the information removed, but I have not received a response. 

Rise Credit XXXX has also not removed the account, stating that the debt was sold to XXXX. I filed a dispute with XXXX, but they have confirmed that the debt is being reported as accurate, even though no one is able to verify my SSN. 

I am formally requesting an investigation into the actions of Rise Credit of Alabama and XXXXXXXX XXXX XXXXXXXX XXXX, with the goal of having this account and the associated debt removed from my credit report due to the discrepancies regarding my SSN.
Product: Credit reporting

I have several creditors who pulled my credit report without my permission. TransUnion wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries.Transunion is also asking for a personal statement to remove the hard inquiry. There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion, they will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You
Product: Credit reporting, credit repair services, or other personal consumer reports

Gateways finical insttution llc forage me from the debt i.got a letter stating so but they refuse tomake it right along with other creditors on my account ny identy was stolen several times down south b  4 i  moved here 10 years ago and some items still remains from when i moved from down south
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX  ACCT XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

In response to CFPB complaint # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against XXXX  XXXX # XXXX the Company has 30 days 15 USC 1681s-2 ( 8 ) ( e ) gives the furnisher of information 30 days the same standard that is upheld by the consumer reporting agency 15 USC 1681i ( A ) 1 ( a ). I will not be granting any extension, because if the roles were reversed and, I could not substantiate any validity in what Iam saying. They would go for a default judgment, or they would go and file a claim the law gives them 30 days. I expect you to uphold those policies, we will not make special arrangements for anyone with any special treatments for anyone with any special treatment. Company have violated 15 USC 1691s-2 ( 8 ), 15 1681i ( A ) 1 ( a ), 15 1681 i ( 5 ) ,15 USC 1692c ( c ). So you are saying? with all the violations, I should let them violate my consumer rights more by having them waive, and still furnish inaccurate information on my consumer report? I think not the is very clear about information being accurate and furnisher of information are prohibited from reporting any information that is inaccurate are they know or believe to be inaccurate. 15 USC 1681S-2 ( A ), and 15 USC 1681s-2 ( B ) and I except the prompt deletion of this account from my consumer reports. XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now XXXX and Transunion added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by XXXX totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681 ( a ) ( 4 ) my rights have been highly violated I would never give you or anyone else permission to violate my privacy Per 15 USC 1681 ( b ) all of these address and false names that are on my report need to be removed the only one that should be on my consumer report is By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX near District Of Columbia XXXX, 15 USC 1681 ( b ) your company did not use matter which is fair and equitable to I the consumer and reporting negative allegations without the written permission from me the consumer, on my consumer report which is a total violation, I would never in any way fashion form of any sort give permission for any negative allegations to be on my consumer report whatsoever, per 15 USC 1681 b ( a ) ( 2 ) you need written permission which you did not have ever at any time on any situation per 15 USC192 ( f ) also per 15 1681n
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to respond to my dispute letter and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Equifax via mail to dispute the inaccurate and incomplete reporting of a bankruptcy on my credit report : Bankruptcy Reference Number : XXXX Filing Date : XX/XX/XXXXXXXX  Court Name : XXXX XXXX To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address Despite receiving all required documents and a detailed explanation of my dispute, Equifax has failed to : Provide a timely response to my dispute, as required by the FCRA. 
Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 
Equifaxs inaction is a direct violation of the FCRA, which requires credit bureaus to : Investigate consumer disputes within 30 days of receipt. 
Ensure that only accurate and verifiable information is included in credit reports. 
I request that the CFPB take action to ensure Equifax complies with the FCRA and provides a resolution to my dispute. Specifically, I am requesting the following : Removal of the unverifiable bankruptcy ( Reference Number : XXXX ) from my credit report. 
Removal of any other inaccurate or negative accounts included in my dispute. 
Written confirmation from Equifax that these corrections have been made to my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I transferred {$100.00} using my debit card on the Venmo app ot my nephew. 
Two weeks after it was taken from my bank account and after several email inquiries he had not received the funds. He contacted Venmo ( ticket # XXXX ) and was told that " transfers are reviewed which may result in delays '' in being funded. They claim that transfers are usually complete within 3 days. Even after two weeks they respond that it could be 5 to 7 days to resolve!!
Product: Checking or savings account

On XX/XX/year> I was charged {$57.00} twice by mint mobile. I have disputed this transaction with chime XXXX times. I submitted my cell phone bill showing my phone number associated with my chime bank account and the dispute was still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is reporting on my Experian credit report It was opened on XX/XX/2021 I never opened this account did not authorize for it to be open.
Product: Credit reporting or other personal consumer reports

I have been trying to fix the discrepancies reported by Nelnet since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX  audit done on my loan from XXXX and so far, Nelnet has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following negative items reported on my credit file. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have identified discrepancies and inaccuracies in the reported accounts. These items are invalid and must be deleted immediately as per the Fair Credit Reporting Act ( FCRA ).