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

Thank you for correcting some of the misleading information in my credit file. However, I am not satisfied that the guidelines of the Fair Credit Reporting Act have been fully met. The account still requires proper action to ensure maximum accuracy in my credit file. Therefore, I am requesting another investigation of the account listed below : XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$2100.00}. If your investigation can not confirm the validity of the account 's information that I believe is inaccurate, please update it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address listed below.
Product: Debt collection

Theyre violating 15 usc 1692 ( a, b ). This company is also committing ID theft. Theyre also violating 15 usc 1692 c ( c ). Invasion of individual and family privacy. Last I want them to provide a written contract between me and the party listed on my credit report.
Product: Student loan

The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt. Due to XXXX 's fraudulent practices I was deceived into taking out private loans from Sallie Mae in the attempt to pay for my education. I attended XXXX XXXX XXXX in XXXX, VA from XX/XX/XXXX to XX/XX/XXXX within their XXXX XXXX XXXX XXXX program. Prior to me enrolling into XXXX XXXX, I had met with a recruiter who guaranteed me that they would place me onto a job ( because they had exceptional job placing rates ) and that their accreditation would carry over into other schools if I had decided to transfer my credits. These details alone attracted me into enrolling into this for-profit school. After I was enrolled and had attended classes for a couple of days, I remember being called down to the office from class as my tuition needed to be secured. The officer, I do not remember his name but he was a young XXXX  male with glasses who had just started working there a few months back. He explained to me that my ONLY option were to utilize private loans for my education. They did not offer work aid, any federal loans, or any other financial programs that would assist with paying for tuition. They told me my options were limited! At that time I was XXXX XXXX XXXX, was pressured to take on private loans and was literally backed into a corner. I took out private loans for the remainder of my schooling. Fast forward to the time of graduation, they set me up with 1 job interview and that was it! I did not get that job and after I graduated they literally washed their hands. I did not have any other interviews and it seemed like after I was no longer a student, they did nothing in the attempt to place me anywhere else. This completely contradicted how they advertised their high job placement rates. About 6 months after graduation I still did not have a job in my field as XXXX provided no job placement or interviews. It was time to pay my loans and because I was not working my only option was to consolidate, to somewhat attempt to lower my payment. I did consolidate but due to my high interests the payment was still high. Later down the road I had to enroll into a University and none of my credits from XXXX transferred over. So now, that two years that I spent at XXXX has obtained me nothing but astronomically high debt and zero accreditation from my credits. With all their schools closing down, jobs will not look at their education as something to be obtained. The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$740.00} XXXXXXXX XXXX  XXXX XXXX XXXX - {$2300.00} Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Product: Credit card or prepaid card

Someone applied for a credit card at USBank in my name and was successful. This all started around the last week of XXXX. I received the credit card in the mail with a {$8500.00} limit. I called them immediately but they said that the acct had been closed and could not discuss any other details. I received a letter dated XX/XX/XXXX, they notified me of my credit score. Then I received a notification that my address had been updated. A letter dated XXXX was sent saying my account was closed due to either fraud, false statements, or I would not live up to obligations under the card member agreement. None of this was approved by me- all fraud. I have been unsuccessful in reaching someone to get further information or a letter stating that it was in fact a fraudulent application. I put a security freeze at all 3 credit burrows. When I pulled my credit, it looked like there was a {$25.00} charge to the USBank card.

Someone also tried to use my information for an account at XXXX who I already bank with. I have notified them but have to call again during business hours tomorrow. I keep getting correspondence saying that they received a duplicate application. I put additional security features on my acct and changed passwords.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Early Warning Services to immediately send and mail me a complete copy of my Early Warning Services Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.
Product: Credit reporting or other personal consumer reports

For the last three years, I have disputed a bankruptcy reported on all three credit reports ( Experian, XXXX, and XXXX ). I haven't received any correspondence from the reporting agencies about why it can't be removed. I understand it is a public record, but I did not permit for the credit reporting agencies to place it on my credit report. I have a letter from the United States Bankruptcy XXXX XXXX XXXX of Tennessee stating they did not permit the bankruptcy to be reported to all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, shown as XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX  Financial, shown as XXXX # XXXX XXXX XXXX XXXX XXXX as XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, And XXXX  # 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 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

This debt is over 4 years old which is the statue of limitations in Texas. Loan least been charged off by XXXX bank but a 3rd party has started calling my cell phone and my son 's cell phone leaving threatening messages. I want them to cease contacting XXXX numbers.
Product: Mortgage

I have been significantly impacted by COVID-19 as a restaurant worker. My last day worked was XX/XX/20. I called US BANK Home Mortgage a few days later and waited patiently on hold for 2.5 hours to speak to someone. Once I reached a person, I worked with her to create a deferment arrangement and was told I would have no payment due for 6 months and that I would be connected to a " relationship manager '' to help me along the way. 

Fast forward, I get a letter in the mail stating that my deferment is not actually a deferment, but a modified payment ( which I also can not afford ). I attempted to call my " relationship manager '', XXXX XXXX at XXXX ext XXXX many times. Every time I have called, the voicemail is full. 

I sent two emails, both have gone unanswered. 

I finally called again and waited another two hours on the phone. The person I spoke with stated " I see here that you have no payment due. Oh wait, I also see that you have a modified payment arrangement. '' I asked her which it was, no payment or a modified arrangement. She said she couldn't tell. I asked for the supervisor of XXXX XXXX. I left a voicemail with a person named XXXX XXXX at XXXX. To date, I have received no return message. 

I continue to receive threatening letters about losing my home, yet I can not speak to anyone about it. The most recent letter I received states, " the longer you wait the harder it will be to find a solution. '' This is insulting. I have tried numerous times to resolve this and can't get anyone on the phone or anyone to email me back. 

Today, I gathered the money to make the modified payment ( according to the deadline XXXX ) but when I logged in to make a payment, it states that I am unable to make payments, that I need to call the same number I have called many times and either waited on hold for exorbitant amounts of time or reached a full voicemail box. 

I have the money to make a payment today, and no way to make the payment. I am tired of receiving threatening letters and being unable to reach anyone. This is a pattern with US BANK. Last time I needed mortgage assistance because of XXXX, I was told that if I missed payments they would work with me to get me into a program. I did everything they said to do, and then waited patiently, only to call back and be told that my information was never entered into the system. I have proof that I sent it. I go ahead and send it all again and then the next communication I get is that I need to make a {$2900.00} payment or my house will go into short sale and they gave me two weeks to act on it. I was under the impression they were going to *help* me, as they stated. This was no help at all, in fact it was the exact opposite. I could have managed to make at least part of my payments if they would accept late payments online. They won't even accept a payment one day after the 30 days. How can you be expected to keep up with your payments if you can't ever get caught up because they make it impossible to make payments as you get the money? Trying to call has always been a nightmare. This company is severely mismanaged.
Product: Consumer Loan

To whom it may concern : I HAVE A CAR LOAN THRU SANTANDER CONSUMER : I went to check my mail on XX/XX/XXXX, i rec 'd my credit report from XXXX and took it to my credit consultant, she showed me where Santander Consumer has reported me XXXX ( 2x 's ) to the credit bureau. My car payment is set for the XXXX of each month, i understand about XX/XX/XXXX, ok, but XX/XX/XXXX, im NOT, if we are just on the XX/XX/XXXX how is it that i am reported for ( 30 days late XXXX XXXX for {$420.00} ). When i called the XXXX # the rep named XXXX got rude and i asked for the Supervisor, it was XXXX, when i asked why was i reported for XX/XX/XXXX for {$420.00} she said i was not that i needed to call the credit bureau, but i explained that i am holding my report printed on the XX/XX/XXXX which i will be uploading to this and still she could not explain SO CAN YOU TELL ME WHY IM BEING REPORTED AND DROPPING MY CREDIT SCORE THAT IS HURTING ME FROM MOVING FORWARD TO HELP BETTER MY CREDIT??.
Product: Debt collection

XXXX XXXX XXXX, purchased my " debt '' in XX/XX/XXXX.  I NEVER received a written notice that, A i owed the debt, and B that they owned my debt in the amount of {$610.00} In XXXX my parents received phone calls stating that I owed debt and that they where liable to be sued for the debt even though they had ZERO attachment to said debt. When I called in to find out what was going on, they said either we sue or pay a balance or settle. I told them I was never informed about said " debt ''. Never received a letter stating anything even after that phone conversation. Then in XX/XX/XXXX, XXXX XXXX XXXX filed a civil lawsuit against me for the total balance of {$610.00}. I was served in XXXX of that same year.
Product: Credit reporting or other personal consumer reports

I thought I had resolved this issue with XXXX XXXX Credit Card company, I had gotten legal assistance to resolve this issue, it was removed then reinserted on my credit reports which has been nightmare and I am trying to get employment, etc. I made the mistake of requesting monetary compensation from them and I told the attorney that represents them that I still want this RESOLVED and REMOVED from all reports. They continue to LIE about the being sold, it was before but the third XXXX XXXX XXXX XXXX released the account back to them and the attorney for Upgrade had me sign an agreement with them to remove the accounts FROM any and ALL credit reports along with any records.
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. AS CONSUMER, I AM REALLY SO FRUSTRATED THAT NO ACTION IS BEING TAKEN BY THE FOLLOWING BUREAUS : EQUIFAX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) and ACCOUNT NAME AND NUMBER must be removed.. 


XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information ACHIEVEPL Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S.

Code 1681s-2 ( a ) ( 1 ) ( B ) and { ACCOUNT NAME AND NUMBER } must be removed.

5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S.

Code 1681s-2 ( a ) ( 1 ) ( B ) and this account not mine must be removed XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S.

Code 1681s-2 ( a ) ( 1 ) ( B ) and this account not mine must be removed
Product: Debt collection

am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ XXXX XXXX XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I need XXXX XXXX XXXX  to be delete
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy. 
Account name XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX 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 consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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 person knows or has reasonable cause to believe that the information Is inaccurate. 

Accounts Disputed Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the three credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXXXXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts and Id like to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and seek your immediate intervention to rectify it. The companies associated with these accounts confirmed the errors when I talked to them via phone call and assured me they will correct my accounts. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or information from me to expedite this process, please let me know. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX