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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in the process of refinancing my 1st loan and must close escrow at the end of XXXX. My loan with SPS is my 2nd therefore I need to get a subordination. I started the refinance process in XXXX and in XXXX my lender repeatedly reached out to SPS in regards to the subordination but never got a response so they asked me to contact SPS. In early XXXX, I reached out and SPS sent me the list of requirements for the subordination package. OnXX/XX/XXXX, my title company sent in all the requested info. As of today, I have not heard from SPS. I called a couple of times and have been given varying information ranging from " there's no new entry in your account '', " it normally takes 30-45 days '', " there are no timeline requirements '' and " unfortunately it can take a long time ''. I told them that I just wanted to confirm that the request was being worked on and what date it was received but I was told that the received date was irrelevant ( as it wasn't looked for or found ) and that yes it was being worked on ( although it wasn't checked '' ). 

I previously spoke to an ombudsman, XXXX, regarding another issue with a " lost '' Note and I mentioned to him that I was in the process of submitting a subordination packet and he had advised me that once it was received it would take up to 14 days to process and return. 

At this point, I just feel helpless as I have not been able to get any type of real answers. 

I have had several issues already including a lost and unaccounted for payment when this loan was first transferred to SPS and also a Note that could not be located. The Note was needed as part of my refinancing and there was a delay of more than a week before SPS finally found my Note.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company keeps reporting my account as a late payment after admitting their error. 

They have corrected it twice and last week they posted it late again. 

I am up to date and current on my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing a huge problem with two lenders that are reporting information on my consumers report that is in violation of my rights and caused an substantial amount of damages. DEPT OF ED/XXXX # XXXX & DEPT OF EDUCATIONXXXX # XXXX. I have contacted these companies via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX states this account was closed on XX/XX/XXXX. It's state 's last payment was XX/XX/XXXX. There were no payments made since XXXX. This should already be off my credit report due to the 7yr retention. This is a charge off. By stating a payment was made pushes my 7yr retention back to XXXX. This information is wrong and should be deleted from my credit report. I have the same problem with JPMCB Chase Bank these two account had no payments during the same period due to financial hardship. But both state 's they got on time payments in XXXX thru XXXX which is inaccurate both should already be off my credit report. It's keeping me from obtaining credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete these unauthorized inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I paid my credit card statement balance in full, in the amount of {$2400.00}. On XX/XX/XXXX, I was charged interest on my account XXXX {$38.00}. I called, spoke with a supervisor named XXXX, and asked why I was charged interest. It was explained to me that it was because of residual unpaid interest from previous months. The supervisor indicated that there is no way for individuals to know of that amount because it's not itemized on the statement, and the only way for someone to know that would be to call in and ask. The supervisor indicated she would document the complaint but no further action would be taken in regards to refunding me the interest charges even though I paid the statement balance. 

I believe this is highly deceptive and breaches UDAAP regulations because the amount indicated to pay on the statement is not a true paid-in-full amount, which allows the company to continue to charging additional interest, and there's no reasonable way to avoid those extra charges because it's not listed on the statement.
Product: Credit reporting or other personal consumer reports

Experian, Equifax and Trans Union has failed to fulfill its legal obligation under the Fair Credit Reporting 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 outcomes. These failures align with my experience, where Experian, Equifax, or Trans Union has neither corrected nor removed ( 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 outcomes. These failures align with my experience, where Experian, Equifax and trans union has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Trans Union inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

This is a formal complaint on Hyundai Motor America ( XXXX ). On XX/XX/XXXX I was on the way to pick my children up from school when I heard a loud metal knocking sound coming from the engine. The car turned off and I was forced to pull over to the side of the road. On XX/XX/XXXX the car was towed to the nearest XXXX XXXX Hyundai dealership in XXXX, Fl. The diagnostics are done by appointment only. Three weeks later the diagnostic was complete. The diagnostic proved that the engine locked. The service advisor advised me that my XXXX XXXX XXXX has a lifetime warranty and if the issue was because of my engine I will be compensated a brand new engine at no cost. Before the service advisor submitted the actual claim over to XXXX  he requested to have proof of a couple receipts of the routine oil change. I provided him with the information. After sending that information over to XXXX, The service advisor contacted me saying that XXXX  wanted pictures of the motor. After receiving the pictures of the motor they denied the claim stating that there is reason to believe that there was neglect to changing the oil, which was not true. I have provided XXXX  with proof and advised them that the previous oil company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX, XXXX, FL XXXX ) sold their business to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The XXXX XXXX have told me that they can not provide any of the records from the previous company because they do not use the same system. By law the oil companies are suppose to keep the customer records up to 5 years. I am a single mother of XXXX children and I work a full-time job being without my car has caused me to take off from work and fall behind on my bills. The car was financed XX/XX/XXXX and paid off XX/XX/XXXX. XXXX  is aware of recalls, electrical issues and engine complaints. I deserve to have my engine replaced at no cost because my engine has a LIFETIME WARRANTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/2019 - XX/XX/2019 )
Product: Credit reporting or other personal consumer reports

This is my 3rd and final attempt in this Lexis nexis report this company have giving information that they are a reseller of credit reports from the three namtionwide consumer reporting agencies- XXXX, XXXX and XXXX . I submitted my current credit reports from ALL the agencies with my name as XXXX XXXX. This company refuse to remove someone else information of my file and it grounds for a lawsuit because this information isn't accurate and vefified as they claim for not removing it. I attached all my proof and I need something to be don't or I will seek legal counsel.
Product: Money transfers

PayPal is having a glitch where the available account balance on many of their customer 's accounts is not reflecting the sum of the incoming transactions, thereby making it impossible to withdraw the full amount of funds in my account.
Product: Debt collection

Constant harassing calls from debt collectors for loan I did not apply for, at checkngo.com.
Product: Credit reporting or other personal consumer reports

THE CREDIT REPORTING AGENCY VERIFIED THESE WRITTEN OFF ACCOUNTS AS ACCURATE, HOWEVER PROOF OF VERIFICATION, DOCUMENTATION USED TO VERIFY AND PROOF OF OWNERSHIP WERE NEVER MAILED TO ME.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the following date : 30 days late as of XX/XX/2017. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX 2020 XXXX reported to the credit brewery or their recovery which is states recovery system that a balance of {$1300.00} was old I never opened this account this was not authorized by me or no one had authorization to sign me up for their services which I believe was some energy service or utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

After submitting my initial Complaint ( ID # XXXX ), I reached out to XXXX  on Monday XX/XX/21 in two separate emails, stating the following : # 1 Im on Social Security and no longer obligated to pay, if delinquent, on a co-signed Student Loan.

Please contact the 3 Credit Bureaus and have XXXX ( a private Student Loan lender ) account removed from my file as soon as possible. Im trying to get a refi loan that was denied, I believe, because of XXXX. 

Thank you for your expedited movement on this request. 

# 2 SSI payments can not be levied or garnished. Treasury 's Financial Management Service can also offset, or reduce, your Social Security benefits to collect delinquent debts owed to other Federal agencies, such as student loans owed to the Department of Education. ( XXXX is a Private Lender ) Generally, debt collectors can't take Social Security or VA benefits directly out of your bank account or prepaid card. 

Their response was : Weve received your inquiry. One of our knowledgeable specialists will review your account and respond shortly. 

There response came to CFPB as a no or rejection, that did not deal with this issue at all. 

Although in submitted Feedback, Im told it would go to XXXX, but they are not obligated to response to that form of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX XXXXI ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$71.00} Account # : XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX *XXXXI - {$1700.00} Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing a late payment in my account, that i never did, XXXX  XXXX must to remove these late payment if they cant provide it as late.
Product: Credit reporting or other personal consumer reports

Requested the verification of all addresses listed on my report and the removal of addresses listed on my report. The only address that should be listed on my report is my current address which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 letter to XXXX, XXXX and TransUnions on XX/XX/2021 to remove and verify some accounts that have been reported as late, that were never late on my part. I take pride in making sure my bills are paid on time. But They have been reported negatively and in turn put a financial strain on me an my family as we can not get approve for a car or house. I requested to have them take a look into this but have not complied with any proof and it has been over 30 days now. I sent a demand to comply letter aswell. My reason for this complaint is because the bureaus are not doing their job or anything about my report.
Product: Prepaid card

I have requested a refund from Cash App over a number of time for items. I have not received from my consumer, even if that I sent proof that I did not receive the item cash. It still will not refund my money accounts that I canceled and the sumes still charge my Card, I reached out to Cash App, and they didnothing. It was like its not their money. They dont care. They did nothing to resolve. My issue is no XXXX XXXX numbers to call to talk to anybody youre just out of money.
Product: Student loan

When coming to Navient about other repayment options because of having financial hardships, I have always been directed towards forbearance. There has never been any income based repayment option offered. So I have chosen forbearance twice now as it is the only option that has been presented as a way of " help '' during this time of financial difficulty.
Product: Credit reporting or other personal consumer reports

I had open a self credit building account to help me improve my credit and XXXX morning I received an email alert saying my checking account was overdrawn by {$50.00} XXXX check my account and saw self had taken XXXX payments from my checking account without my permission. I called self and ask to have this account closed. I was told in order for self to close my account I have to pay {$30.00} XXXX paid the {$30.00} and I was told in XXXX the account will be removed from my account. Self policy says you can close your account at anytime so I requested for my account to be closed and removed from my credit report, the agent I spoke said it will take XXXX I said ok. It has been 2 years and they are still reporting on my report that my account has a late payment and paid closed. I have reached out to self several times requesting the account to be removed and was told it will take XXXX. Today is XX/XX/scrub>XXXX XXXX XXXX  I called self requesting the deletion of this account and was told that they can not remove the account. The representative was very unprofessional and XXXX
Product: Credit card or prepaid card

My Synchrony Bank/Walmart credit card account : XXXX is lost/stolen and compromised. Someone used my entire credit limit of {$2500.00}. All of the charges are fraudulent, unauthorized and don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Capital One that I have had for years. On Sunday XX/XX/XXXX I recieved an EMail from Capital One informing me that treir XXXX XXXX system was showing a hard inquiry into my credit. I checked my credit and found it was made by Capital One/Cabela 's. I did not apply for credit with them so I called Capital one. I was transferred four times and finally to their XXXX XXXX department where I was on hold for two hours. I hung up and imediatly called back to Capital One. After three transfers I am now waiting for the Capital One/Cabela 's fraud department and have been for thirty minutes. I have been told that there has been a problem with Cabela 's applications and that " my '' inquiry has been approved. I want this card recinded and the credit inquiry removed from my report. The only good that has come from my dealing with Capital One/Cabela 's is an operator named XXXX who has been monitoring my wait and giving updates.
Product: Credit reporting or other personal consumer reports

My information is in data breach and I have been affected by it.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 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

As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX  transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX is/was no longer my service provider and has reported my account being 120 days late!