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

I have been trying to resolve this unverified bankruptcy entry with XXXX, starting with my correspondence starting from XX/XX/XXXX till XX/XX/XXXX to no available remedy from XXXX. 
XXXX  has made claims several claims that this information has been verified by its 3rd party vendor LexisNexis, with no other details provided to me. With that response from XXXX, I contacted LexisNexis and asked them to verify this information, by obtaining the records this vendor had. LexisNexis could not show or prove that XXXX  had contacted them or verified this bankruptcy as XXXX  has claimed. Bankruptcy information was never found in my consumer disclosure report that LexisNexis maintains. 

LexisNexis conducted their OWN independent 30-day investigation, sent the information of their finds as a dispute on my behalf to ALL 3 credit reporting agencies. XXXX, did not respond, but removed the information, XXXX, responded with documentation to LexisNexis stating a removal of the bankruptcy, XXXX  did not respond to me nor LexisNexis. 

Despite this information FROM LexisNexis and additional information provided to XXXX  by their third-party vendor, the unverifiable information remained. 

XXXX, did not properly take the correct steps to verify and correct the information, which they are reporting pursuant to it obligations under the FCRA. Under the FCRA, the investigation. a credit reporting agency undertakes must be a reasonable one. 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), XXXX   was required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

According to XXXX  " verified '' means that the company, ( in this case vendor ) that reports the information to XXXX  has certified it reported accurately. However, this is not the case, LexisNexis DID not verify to XXXX that this information was verified. 

A letter was sent to XXXX  on XXXX XXXX requested their Method of Verification, which by law I am obligated to ask for and shouldve received, since XXXX  verified with LexisNexis . That information as not provided to me, I was told to look in the Public Records section of my credit report and find that information. This DOES NOT constitute as proper Method of Verification according to the FCRA. Also XXXX sent another letter in the same envelope that they couldnt verify my identity to provide me the information that I was requesting, so why did XXXX  instruct me to look at my Personal Records section of my credit report and state they would not reinvestigate this information, which was NEVER investigated to begin with?
Product: Payday loan, title loan, or personal loan

Prosper took payments out of my on XX/XX/XXXX for which I did not agree to. The payment was for {$71.00}. This payment was on auto pay and of which was to be expired immediately after my XXXX payment. Prosper has received payments of {$120.00}, {$71.00}, {$50.00} in the last 5 days yet the only adjustment to my account was an increase of approximately {$24.00}. I spoke with an agents on XX/XX/XXXX and XX/XX/XXXX. I was told by the XXXX agent that my bank account had been reimbursed the {$71.00}. I told her it was not showing on my account as being deposited. Since then the funds has still not been deposited and my account still has not been credited any of the {$240.00} paid. 
Additionally, Prosper intentionally disabled my ability to view statements online believing that this would enable me to prove my case. Since filing my BBB complaint my balance has yet went up again. That's twice it has been increased and none of my payments have been honored and no refund has been issued as stated by their agent. Neither have I been contacted by Prosper or received a phone call from Prosper. Attached are just some of the files associated with this complaint that has been turned over to legal counsel.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection ACT ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Reporting how abusive Credit acceptance is when I get calls every day, and I have told them stop calling if I'm not going to be help. My truck was stolen and they got notified and they keep charging me for the truck. I was offered to settle the XXXX that got stolen for {$3000.00} dollars but they won't remove me from the credit reports. Also I haven threaten if I don't pay they are going to take me to court and I get different people calling me and very rude. I have try to work with credit acceptance. I ask to take me of the credit reports and they don't want to. It's hard to work with them. It's stressful to see they won't help and credit beurous won't remove it. Credit acceptance reports me every month as a late payment to the beurous and they were notified by phone and police report was sent by mail to them and I ask them to use the gap insurance and they told me they were going to let me know and they XXXX did so I called back and my gap insurance was expired and I was never notified by mail or phone. I feel Credit acceptance did this on purpose and I think they repo my truck again and they want me to pay the remaining balance of around {$15.00}, XXXX because it's funny I send them the police report y mail like I was instructed by credit acceptance and they never told me if the received it. And later my gap insurance was expired. And now they offer me a less amount. I ask them to please take me of the credit beurous and nothing and it'd hurting my credit scores. I have send my information to XXXX XXXX, XXXX to please remove this late payments reports and I send them the same information as credit acceptance and they have done nothing. This is hurting me to get a house a roof for my family.
Product: Student loan

When I called in XXXX to set up my default recovery where you pay 9 months of on-time payments, the agent specifically told me that once I made the 9 perfect payments, I'd have the same rights to place the loans in forbearance or whatever suspension of payments that federal loans or guidelines allow. Now, I don't know if this was an Heartland ECSI agent or some third-party collection agent telling me this ; either way, there's a recording out there of my call since I made voice agreements to the default plan. 

Since I got myself out of default on previous loans around XXXX and have federal students loans, I know the forbearance and deferment rules. 

Fast forward to XXXX, I was able to place my loans in General Forbearance while I wasn't in school, after they went back to payment status, post COVID-19 Pandemic. Once I began school back at XXXXXXXX XXXX to finish my Master 's in XX/XX/XXXX, I had my FA Advisor, XXXX XXXX fill out an In-School Deferment and sent it to ECSI. That's when they denied it saying my loan type only allows General Forbearance. I'd never heard of that until that point. I believe I called ECSI about this, but I can't remember. This is the same school the private student loan was issued. If this loan type only allows General Forbearance, why would the same school 's FA Advisor fill it out for me? Why not tell me In-School Deferment isn't allowed for my loan type? 

Since then, I've tried researching how to file a complaint for misleading and giving inaccurate information to a loan holder back in XXXX. I've had Long-COVID issues where I've been to the doctor a lot, so I was having a hard time finding complaint information. I filed a General Forbearance, and then they again denied it because they said it was in collections. I know no rule that say it can't be put in forbearance if it's already in collections, but not yet officially in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2015 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im elderly and had a series of medical emergencies that caused 3 late payments on my credit card in XXXX, XXXX, and XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX would not help me to rectify the late payments and had poor communication. I feel like its unfair after being a great customer for so long to be treated poorly in this situation. I would hope there was some way to rectify the effect on my credit score and or excuse these late payments because its a burden to me in my current situation. I tried to deal with them and they passed me off to Equifax instead of helping me. I do have someone helping me with my finances now, so to avoid this problem in the future. Please let me know if there is any possible recourse. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
U.S.C 1681 section 602A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A STATES 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

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning bankruptcy associated with my accounts. Upon meticulous review of my report, I have identified instances where bankruptcy have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of bankruptcy. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXXs repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, Equifax again went silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by Midwest Recovery Systems, supposedly collecting debt for XXXX XXXX, XXXX. I Googled both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for XXXX years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.
Product: Student loan

When the Student Debt Relief plan was announced, I called my loan servicer, XXXX, on Saturday, XX/XX/XXXX to request a refund of student loan payments that were made during the forbearance period. 

I spoke with XXXX ( ID # XXXX ) who informed me since there were three payments, she would have to put in three different refund requests. The three payment amounts were XXXX, XXXX, and XXXX. She mentioned there wasnt a definite timeline as to when to receive the refunds, but it could be anywhere from two weeks to two months. 

I received two checks from the Department of Treasury on XX/XX/2022 : one for XXXX ( Chk. # XXXX ) and another for XXXX ( Chk. # XXXX ). As of XX/XX/2022, I have yet to receive the third refund of XXXX and its been more than 60 days. 

On XX/XX/2022, I called MOHELA to inquire about the refund, and they still did not have my complete account information. I instructed them to add a note that I was awaiting a third refund in the amount of {$26000.00}. 

On XX/XX/2022, I called XXXX to inquire about the status once again and the rep I spoke with, XXXX, explained that since my account had been transferred to MOHELA, they no longer have access to any information regarding my account and instructed me to call MOHELA. When I contacted MOHELA, the rep I spoke with explained that since they werent the servicer that put in the request, I would have to call XXXX. 

I have not been able to get a response or a concrete answer about the status of my third refund.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Sir, Madam, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX  XXXX XXXX 

This charge-off is inaccurately reported because the status update and the status of the charge-off do not correspond and are contradictory. Specifically, the charge-off status was recorded in XX/XX/XXXX, while the status was updated in XX/XX/XXXX. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Creditor : XXXX XXXX  XXXX Date of Charge-Off : XX/XX/XXXX Status Update : XX/XX/XXXX Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. XXXX has failed to respond to any of my requests. 

I sent a letter to TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). TransUnion and XXXX is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) TransUnion responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

XXXX has not responded to any of my letters.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, Account name : # XXXX, has 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 : 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 if the
Product: Prepaid card

XX/XX/23 got XXXX $ and XXXX XXXX $ AMEX gift cards and they won't work anywhere tried XXXX for XXXX $ and didn't work won't let me add as a payment option anywhere called them they said there nothing they can do and told me to keep trying different websites until it works
Product: Credit card or prepaid card

This TD BANK NA XXXX Balance : {$3900.00} account is undoubtedly placed as a charged-off account and unknown to me, make sure you tell me the reason why there is a {$3900.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect.
Product: Mortgage

Yes XX/XX/XXXX my wife and I applied for a FHA loan through Elend-American Financial and we went through approval had everything done survey appraisal engineering inspection shopped for homeowners it underwriting keep asking for more bank statements even after the funds was verified and each time money went in and out I had to so invoice or receipt ( self employed ) of where the money went or come from so after the funds was verified I didn't use the account anymore because of the hassle of showing where it went or come from showed taxes for XXXX and XXXX as XXXX was my bad year for covid my work slowed down at end of XXXX and half of XXXX as I'm a XXXX and no one wanted me in there homes well after going around and around with underwriter on XX/XX/XXXX I asked to speak to a supervisor it's been 3 months 4 closing dates pushed the underwriting kept wanting more bank statements but as soon as I asked to speak with a supervisor on XX/XX/XXXX on XX/XX/XXXX they made a decision they couldn't do the loan because differences in income now my wife makes XXXX a month and was also on the loan so there's really no reason I shouldn't have gotten the loan they said all the covid breaks only applies for XXXX not for XXXX and they couldn't do the loan because different in income from year to year now this is weird after all that they so they can't do the loan and no real reason why except I filed a complaint
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries, contrary to 15 USC 1681c-2, appear on my credit report. I request these be removed to prevent further harm to my credit.
Product: Debt collection

Hello I received a letter from XXXX XXXX on XX/XX/2018 that was supposed to contain information to validate a debt in the amount of {$680.00} that i'm being accused of. 
This letter did not have any proof that this account belongs to me. This document they've sent me was not an original contract signed by me. The date of birth on the " contract '' is not my date of birth. The employer listed on the " contract '' is not my employer. The social security number on the " contract '' is blank. No validating proof that this account belongs to me.
Product: Debt collection

SPS is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in RICO with armed forces  police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. 
Sps needs to prove who the Attorney is and XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with Usury 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XX/XX/XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. Commercial Lien will be coming out for your Fraud. 
someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I implore you to take immediate action to get these unlawful inquiries removed from my credit report. They are seriously upsetting me, and I can verify this with the paperwork I've given. Please look into this situation as soon as possibl