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

Despite the multiple previous written requests, the unverified items 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 these items are being reported correctly? Who verified these items? 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 items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a XXXX bedroom apt with XXXX people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these 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  XXXX,XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase is withholding funds in suspense from a newly opened account. They did this because they claim that they can not verify the source of a deposit. They are holding {$28000.00} that we now do not have access to. 

In XX/XX/2023 we opened a business checking account with Chase Bank for our company, XXXX XXXX XXXX XXXX XXXX XXXX This is a registered XXXX in the XXXX of CA, operating as a sole proprietorship under XXXX XXXX. The account was opened with {$100.00} in cash and shortly after opening the account, we deposited a check from our primary customer, XXXX XXXX XXXX in the amount of {$28000.00}. XXXX XXXX XXXX is a single member XXXX in good standing registered in the state of Wyoming. The owner of this company is XXXX XXXX XXXX, husband to XXXX XXXX. XXXX XXXX XXXX performs administrative and support services for XXXX XXXX. We expect to expand the customer base of XXXX but for now, the primary client is XXXX XXXX. 

Shortly after depositing the check from XXXX XXXX, Chase sent us a letter stating that they have suspended the funds and wont release them because they claim that their fraud department can not verify that XXXX XXXX XXXX is a valid entity. XXXX and XXXX met with the Chase branch manager and gave him XXXX XXXX XXXX XXXX XXXX, the letter from the IRS assigning an EIN as well as bank information from XXXX XXXX bank that the check was written from. XXXX XXXX XXXX is also easily found on the Wyoming Secretary of State website as a valid entity. Despite all of this proof, Chase still claims that they can not verify the validity of XXXX XXXX and will not release the funds. We have provided more than sufficient proof that XXXX XXXX XXXX is indeed a valid company in good standing. The branch manager claims that there is nothing that can be done. They will not even send the funds back to the account that made the check. They have taken our money with no possible resolution to release the funds. 

The branch manager admitted that we are not the only customer that this has happened to and that the system that Chase uses does not work, but there is nothing that he can do.
Product: Debt collection

XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was LVNV Funding LLC over a debt from XXXX in XXXX. I have never had anything in collections from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts within 4 days : XXXX XXXX bal. {$24000.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX {$210.00} XXXX XXXXXXXX {$3700.00} XXXX XXXX {$610.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX {$640.00} XXXX & XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 or other personal consumer reports

Transunion is reporting XXXX Account Number XXXX  as a charge-off. 

My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk. 
Given that the original creditor has charged off said account on their taxes as a loss, received credit for said loss, and reported to the IRS as my income ( via the 1099-C that I never received ), they are reporting my income ( not a debt ). Reporting income is not compliant with the FCRA and is a massive invasion of my privacy. 
Due to the charge-off on my report, a recent loan and charge card application was denied. Additionally, I'm unable to purchase a home or car and this has caused extreme emotional distress.
Product: Checking or savings account

I used a CardTronics ATM XXXX XXXX TG XXXX ) at the Target store located at XXXX XXXX XXXX XXXX, XXXX PA XXXX on XXXX XXXX, XXXX at approximately XXXX. I attempted to withdrawal {$300.00} from my Capital One checking account. Mid-transaction, the ATM machine re-started itself XXXX pictures attached XXXX. As the re-start process took place, which lasted upwards of XXXX minutes, I logged into my checking account on my phone because I was n't sure what happened. My checking account showed a temporary transaction of a withdrawal of {$300.00}. I immediately asked a Target employee for help, and was informed it was n't their machine so they ca n't do anything. They suggested I call the number on the ATM, so I then contacted CardTronics and spoke to a representative, who informed me they could see the transaction and the error. They told me to speak to my bank, who would initiate the proper procedure to reverse the transaction. I called Capital One and they took down my information, including the XXXX phone number and terminal number. I was informed by Capital One that they would investigate the matter and reach out to me if they had any additional questions. In the meantime, my account was given a temporary credit of {$300.00} and a follow up letter stating the same arrived at my house. On Friday XXXX XXXX I received a letter from Capital One ( dated XXXX XXXX ) that they would be denying my claim because " we checked our ATM records and they do n't show an error for this amount. '' I never received the cash from the ATM, and I would imagine a transaction log within the specific ATM machine would show this. The cash remaining in the machine when it was restocked would not have corresponded with the transaction ledger.
Product: Credit reporting or other personal consumer reports

The old balances from my XXXX college were discharged through the the federal governments recent forgiveness program. The old accounts were discharged, and are still showing a derogatory status on my credit report. 

Secondly my current student loan balance is showing {$78000.00} on both my Ed Financial and Student Aid.Gov.

My student loan balance in my XXXX account is showing {$180000.00}. This inaccuracy is severely damaging my credit report, and has caused my credit report to drop over XXXX points. 

I am trying to buy a house, and I can not, due this error. I have repeatedly contacted both Ed Financial, and XXXX  to request them to update this, and they tell me that they are reporting every month. 

I am furious that these companies have the power to keep these errors on my report. 

Please assist me. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

They add insurance for the vehicle Motor and transmission that I did not ask for. Also 5 years paint and fabric protection with XXXX company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still reporting debts owed, XXXX XXXX XXXX Account XXXX in amount of {$140.00} and XXXX XXXX XXXX Account XXXX in amount of {$12.00}. Amounts paid by XXXX XXXX cashiers checks XXXX and XXXX on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

After researching my report, I discovered multiple discrepancies with how the credit reporting agencies are reporting the following accounts without my written consent and authorization in accordance to the practices outlined in the Fair Credit Reporting Act. 

As such, I would like to file a complaint that the credit reporting agency is in violation of the Codes 15USC 1681 - Section 602A, 604A section 2, 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 1 ) in the reporting of the following accounts on my credit file : Account # XXXX - XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

i checked my account and theres was MULTIPLE transactions i did not do, I filed claims with my bank ( bank of america ) and they just did denied it in a matter of 4 days. I am sick all of my money is gone
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, Equifax announced a data breach that exposed the personal data of hundreds of millions of people. The company agreed to a settlement to help those affected by the data breach. I filed a claim with Equifax on XX/XX/XXXX. I have proven I am a victim yet it has been XXXX  months and they still have no t compensated me. I have sent them multiple communications asking them what I can do to expedite the process and they provided no legitimate answer. I asked them why it has been taking so long, and they have provided no legitimate answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXXXXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about Equifax. Trying to determine which correct website address for Equifax to login to my personal account. XXXX has more than 15 different links to search for the Equifax website on their search engine. This is not security. This is very confusing to consumers. This should be fixed due to security concerns for consumers.
Product: Debt collection

I received a letter from a debt collector, XXXX XXXX XXXX, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to XXXX XXXX XXXX via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.
Product: Vehicle loan or lease

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Of the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$10000.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX
Product: Mortgage

I called and asked for a skip a payment for the month of XXXX on XX/XX/XXXX from Carrington and was told by XXXX in the loss mitigation department of Collections, that I had to fill out the mortgage assistance program XXXX  form in order to receive a deferred payment but later I found out this was a lie. She walked me through step by step how to do it and where to go online in order to apply and upload documents. I then called back on XX/XX/XXXX and spoke to XXXX then she transferred me to XXXX XXXX in the Collections department, the supervisor that ensured me that Carrington doesnt offer deferred payments for mortgages since XXXX when the financial mortgage crisis happened and the mortgage assistance program was to restructure my loan and ask for a new interest rate and all kinds of other things I was not told about by XXXX or anyone else for that matter until XXXX XXXX me. 
Therefore I told him to cancel this application for mortgage assistance and XXXX said he cancelled it during that call. He said I would get a letter to my email in XXXX hours, I have not received this letter and today is XX/XX/XXXX. He gave me his email to which I sent an email to him to verify what he told me, that he cancelled the mortgage assistance application and there would be no further action I just needed to pay the payment. I will include that email to him. XXXX XXXX, Collections Supervisor. XXXX also said he can not email me outbound and can only call me once per week per the CFPB regulations/restrictions and he doesnt blame me for not wanting to change it because I have 2.625 %. I said yes of course I never wanted to change anything I was lied to by XXXX to get me to apply for this and I didnt even want that to happen. 
I then called back the next day XX/XX/XXXX and spoke to XXXX a customer service representative to verify it was cancelled and was told it was cancelled by XXXX on XX/XX/XXXX and I should wait XXXX business days for the letter to be emailed and generated to me. Today is Sunday XX/XX/XXXX and I just went online to my Carrington online portal and now I can not see my loan at all. I was the mortgage assistance was cancelled by XXXX, the supervisor in Collections and by XXXX, the customer service representative. Now I can not see my loan. Something isnt right please help me in verifying that Carrington has cancelled my request for mortgage assistance asap. I am a XXXX veteran and they are clearly trying to mess with me on purpose because they think I can not defend myself and they think I dont know how to contact the CFPB if they do something wrong. This was very misleading. I should have been told they do not offer deferred payments, not some lady showing me where to apply, walking me through it and misleading me every step of the way, then pushing me into doing it even though Im being told they cancelled the request by the Supervisor. This was deceptive and I dont appreciate being treated this way by my mortgage company. Thank you.
Product: Credit reporting 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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Student loan

I currently work as a XXXX  and am working my way towards the ten years of Public Service Loan Forgiveness. I had been making payments steadily. While I was attending school for my XXXX XXXX XXXX, FedLoan servicing automatically put my loans in deferment. This is normal procedure, but then my payments don't count toward pslf. I requested that they not put my Ioans deferment for future semesters, and they said that they had put it on my account so they wouldn't do that. 

They did it again the next semester, and then again the semester after that. When they removed the deferment, they put my loan in 'paid ahead ' status, even though it wasn't. This caused five of my payments to not count towards the pslf program. They entirely admitted it was their fault and that they would correct their error. 

I submitted a review in XXXX. That review took over a year to complete and they did not correct their errors. I submitted a second review in XXXX of XXXX, upon recommendation from a FedLoan servicing employee. I was told this review would take three months to complete. I called back in three months. I was told it would take another three months. I just received the completed review after almost 2 years of struggling with them, and it still is not counting the payments I made during the time of company 's error. 

FedLoan servicing has said on many occasions this was their error and they would fix it. This makes a difference in thousands of dollars for my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im really disappointed! I pulled my credit report ant I see no changes! I sent you complaints before that I have no idea where these accounts came from! Im sure that someone hacked my personal information
Product: Debt collection

In 2018 I filed bankruptcy, during the process I received a call and was threatened not to go through with it. I had a loan with Consumer Portfolio Services who contested the bankruptcy. After the fact, I began experiencing following by strange cars, missing mail, general harasssment tactics. It has escalated to online cyberstalking, contacting employers in attempts to collect debt they know I do not owe contacting landlords. These attempts to collect phantom debt or distabilize my life to where I am back in debt has become a burden on my life. I have reason to believe Consumer Portfolio Services have either employed or hired private investigators and have used that to further smear my name. I owe no debt to this company.