23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Equifax that they could not provide my credit report due to technical difficulties. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' website also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them. 
Please note that I have filed a related complain with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my Experian, XXXX, and XXXX credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.
Product: Debt collection

In short a company ca lled ARM Solutions is trying  to collect a {$65.00} debt that they claim is owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The {$65.00} was paid months ago, but ARM Solutions keeps sending me notices.  <P/> Timeline  XXXX  -  XXXX   -2017 - I fil led for  XXXX  different service requests using my home warranty,  XXXX   XXXX ,  XXXX  for dishwasher and the other  XXXX  for the fireplace.  <P/> Within the next week - The dishwasher repairman arrived and fixed the dishwasher. I did n't pay him the {$65.00} deductible because I did n't have any checks or cash and he said I could pay the home warranty company on their website.  <P/> Within the next week - The plumber arrived but said that fireplaces were n't covered by my warranty. My spouse paid him {$65.00} in cash for the deductible.  <P/> Within the Next week - I complained to  XXXX   XXXX  for sending a technician and charging me for a service that they did n't cover. They agreed to refund the {$65.00}.  <P/>  XXXX  -  XXXX  -  2017 - I receiv ed a notice from ARM solutions that {$65.00} was past due.  <P/> I called first american, they said they had n't issued me the refund yet because they were waiting on an invoice from the plumber for financial backup. I asked them to apply the refunded {$65.00} from the fireplace to the dishwasher deductible, they agreed and we settled the matter.  <P/>  XXXX  -  XXXX  - 2017 - I  received a second notice from ARM solutions that {$65.00} was past due. I contacted them and left a voicemail explaining the situation and offered to provide them written proof from  XXXX   XXXX . No one ever called me back.  <P/>  XXXX   - XXXX  - 2017 - I re ceived a third notice from ARM solutions that {$65.00} was past due.  <P/>  XXXX   XXXX   -2017 - I re ceived a fourth notice from ARM solutions that {$65.00} was past due.  <P/> I 'm now informing the CFPB so that I might receive help in getting ARM to stop sending me these notices. Not only are they a nuisance, but I am concerned they will notify a credit agency and it will affect my  credit score err oneously.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

battling ID theft for over 7 years seems like its getting no where all the banks are deny me b/c of my ID theft sent over ftc and police reports from XXXX and XXXX county
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : Sunrise XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. 
Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

Amerassist has been negatively effecting my credit by inaccurately reporting that I owe for a bill that was resolved with the original creditor XXXX XXXX Ive disputed with XXXX XXXX but it still remains on my credit report. This is a violation of my rights 15 US Code 1681 A4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. XXXX  XXXX did not make any of my trays correct and cancelled my order when I explained the issue. Amerassist has no right to report on my credit report. Amerassist should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Amerassist is in violation of contacting me and has a different amount on the statement they sent me {$1500.00} and a different amount on XXXX XXXX XXXX which under mines me is harassment and abusive practices.
Product: Vehicle loan or lease

XX/XX/XXXX purchased vehicle advised 14 % interest due to medical billing ( XXXX treatments ) on credit report, payments at {$660.00}, maintained payments, was granted a reduction in payments but they added time to agreement. Filed chapter XXXX XX/XX/XXXX, Santander closed my online account and refused to provide my account statements or access to my online account. Due dates changed I called in to make payments amounts went up, company reps advised that they wouldn't supply any correspondence since I filed chapter XXXX, would laugh and tell me that I would have to pay amounts they directed requested bankruptcy department, disconnected or told my account wasn't available. Paper statements and account ceased, payments went from {$660.00} to over {$700.00}, told that it was late fees as due date was now XXXX ( each call it changed ). At risk of losing home to foreclosure due to amount of vehicle payments. Other vehicle was totaled in an accident so this vehicle was reliable transportation need help to reduce payments and interest have paid for vehicle {$26000.00}, tried to, process settlement arrangements please assist. Thank you for your time and consideration
Product: Credit card

I have a BofA checking account and had a BofA credit card. Credit card charged off XXXX. A {$150.00} offset was charged to my checking account on XXXX. They claim I called on XXXX to set up monthly auto pay from my checking account to pay credit card. I cancelled auto pay on or about XXXX, via BofA mobile app, I have Direct deposit from XXXX XXXX  ( XXXX HOURS PER MONTH ). I am on fixed income, student, pay rent and car note. I immediately called and got transferred XXXX different depts and refused to refund the {$150.00}. I have attached proof via bank screen shoots
Product: Credit reporting or other personal consumer reports

XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX The following personal information is incorrect. Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Scams has taking advantage of many identity including mines. Many accounts has been open under my indentity using my credentials which needed to be resolve and cleared
Product: Credit reporting or other personal consumer reports

Original letter sent via certified mail on XX/XX/year> requesting a cease and desist and consent of privacy while investigating account. Notified them they had XXXX  days to provide information ( original contract, account number, etc ). There was no response. I sent another certified mail on XX/XX/year> stating to remove the account because it had been over XXXX  days and no response was sent. I received a letter dated XX/XX/year> with debt validation and response that letter they received was dated on XX/XX/year>. I sent my final letter on XXXX asking to cease collection activities, remove negative account credit reporting, and to provide confirmation. All letters have been sent certified mail with signature request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My taxes has been taking out for the last the 5 years as a result they stated that all funds where being paid to the department of education which it is still showing negatively on my credit report and it should be removed.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX and 30 days late payment on the date XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

Refused to let me make payment to my sister for mortgage.Apparantly sending her money triggers some security alert. 
I have also sent my sister XXXX XXXX $ and she cant recieve it from XXXX because they locked it. Even though she did all the necessary security steps. This was XXXX XXXX. 
I can make payments but cant recieve them. I accidentally click someone phone number XX/XX/year> sent money to wrong person & its gone no claim can get it back in the amount of XXXX XXXX 
XXXX scared all my information is at risk. There is a lot of fraud going on and I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 5. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 6. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 7. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices Account XXXX : XXXX As a consumer by law this account must be deleted immediately 8. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

I attended XXXX  XXXX XXXX  Fall XXXX to XXXX XXXX, received Masters on XXXX XXXX, XXXX. I worked at XXXX at the time in a leadership role. The company paid for my education to attain the Masters Degree Program in order to develop my career. I have filed Chapter XXXX twice and the 1st time XXXX. XXXX XXXX told me that they were paid off after the 1st chapter XXXX. When I began to get more notices for student loan debt, they began to garnish my check. I filed chapter XXXX again to gain help from legal regarding student loan. I did not succeed and I dismissed the chapter XXXX in XX/XX/XXXX. I contacted ECMC and began a payment plan of {$770.00} each month as I am in fear of them garnishing my check. My identity has been stolen more than once without my knowledge or permission. I did not attend school in XXXX. As the ECMC accused of disbursing {$400000.00} to me for expenses incurred at the XXXX XXXX XXXX. No, I did not get these funds.
Product: Money transfer, virtual currency, or money service

I was permanently suspended from Zelle for no absolute reason. I was a loyal customer of Zelle, never had any issues nor was told the reason for my ban. I am banned under the phone number XXXX. Please fix this, I am a single father trying to make ends meet and the only app I trust is Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????
Product: Credit reporting or other personal consumer reports

Earlier today, I came across some incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed inconsistencies that werent present before. Thinking it might be a browser issue, I refreshed the page, but the inaccuracies persisted. Due to this situation, I request a detailed review of the documents I submitted to ensure I wont have to deal with this concern again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesXXXX, Experian, and XXXXregarding one of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report
Product: Credit reporting or other personal consumer reports

I received an phone call from a Lender in reference to RE-FINANCING my Mortgage. 
Next thing I know there was an INQUIRY on my CREDIT REPORT from XXXX XXXX XXXX. 
I DID NOT AUTHORIZE THIS INQUIRY.
Product: Mortgage

On XX/XX/2018 around XXXX XXXX I called quicken loans to make a full mortgage payment over the phone on the last day of my grace period due to unforeseen circumstances. I was advised by two quicken loans managers that they could not process my payment in full today because we were paying from 2 separate XXXX XXXX accounts. I was told that quicken loans had to split the payments and process one today and one tomorrow. In doing so that scenario would automatically generated a XXXX dollar late fee because one of the payments would now get posted past my grace period because of the way their payment process system is set up. That is not my problem! and I shouldn't be penalized for your payment system or IT department not being able to figure out how to process different types of payments to the same account on the same day. And the worst part is having the audacity in charging me a XXXX dollar late fee due to your limited customer service payment processing shortfalls I'm demanding a refund. I felt i was being gouged scammed into fees that were designed to pad your companies bottom line, The question is how many other innocent borrowers that didn't speak out that have also been taken advantage of by your so called split payment system. 
XXXX Dollars times Ten million borrowers let 's say makes a nice profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTUM OF IDENITY THEFT
Product: Student loan

On the FSA website ( XXXX XXXX XXXX XXXX XXXX ) it states, " any payment you made during the administrative forbearance period ( XX/XX/2020, through XXXX XXXX, 2020 ) can be refunded. '' On XX/XX/2020, I sent an email to FedLoan Servicing asking for a refund on the payment of {$800.00} that I made on XX/XX/2020. I never heard back from them. It is now XX/XX/2020. I sent them a second email today as well.