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

NATIONAL CREDIT SYSTEM Original creditor : VXXXX XXXX  XXXXXXXX XXXX {$3500.00} Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2015 Account type Collection I have spoken with this company and was told they would send me proof of this contract as I am not aware of this collection and this needs to be removed from my credit report and have not received a written response over 30 days as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Fraudulent Account XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX. XX/XX/XXXX Fraudulent Inquiry Above is a list of fraudulent accounts and inquiries being listed on my credit report by your company. I did not give authorization to the above creditors to open and account nor pull my credit file ... Please remove the above items from my Equifax credit report ...
Product: Debt collection

I switched from XXXX to XXXX XXXX XXXX XX/XX/XXXX -. XXXX later took out {$1400.00} from bank account XX/XX/XXXX. I had access denied online to view detailed report of account to see what I was charged for. When I called XXXX directly they said to just go through my account- Which i stated i did not have access as i no longer had an account. They stated I owed the money- I said please send an itemized description by mail to show what the debt was for. They began to tell me over the phone and i stated again, please send this in writing. They said ok i will receive within 7-10 business days. In the meantime, I disputed with my bank on the charge. I never received documentation from XXXX on a detailed itemized list of what the charges were for and my bank after 45 days also did not receive any communication from XXXX stating it was my debt so my bank closed the dispute and I was able to keep the {$1400.00}. A month later i began to receive emails stating i still owed XXXX with the amount of {$1400.00} and only that amount. Nothing else shown as to what the debt was for, no itemized list. They then charged off the account and sold to third party XX/XX/XXXX who is now trying to have me process for a payment of 40 % less to settle. I still have not received any documentation of what the {$1400.00} is for and why I was charged for this amount.
Product: Vehicle loan or lease

I am trying to negotiate for a used car loan through Bank of America. They have preapproved my loan XXXX. I requested a Truth in Lending statement from them. Their reply was that I would receive one AFTER I closed on the loan. This isn't legal, is it? If it isn't, it should be. In either case, make this a major complaint because I am not permitted to do some other financial things related to the loan that requires that I present a Truth in Lending statement. I will lose money because of this. Thank you.
Product: Credit reporting or other personal consumer reports

New investigation as you can see from the attachments my SSN was included in a recent date breach I would like a full investigation on the accounts listed below : In the last letter you sent to me, you stated that you already processed my dispute and that the grantor has verified its accuracy. You also quoted the law and stated that you will not reinvestigate the same dispute again at this time. Well according to the FCRA, if I have new and relevant information, the credit bureaus must start a new investigation. Im I right with this one? I dont know the laws like you do, but I do know how to look on the internet to make sure my rights are not being violated. You told me to contact the grantor, well I did that. Take a look at the letter I sent the grantor.

I sent the letter attached disputing the accounts listed and disputing the accuracy, but the grantor never responded to me. 

If they did not respond, then they can not continue to validate and report inaccurate information. Because of their violation of the law, this would constitute new and relevant information for you to start a new investigation. 
Now that you know that the grantor is not following the laws put in place to protect me and others, you must do your part and follow the law now. Please delete the account stated above. If you send me another letter like the one you sent before stating you wont re-investigate, I have no problem with filing complaints with the Attorney Generals Office and Consumer Financial Protection Bureau. I will also be seeking legal advice if you violate my rights. 

I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 
For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity again Currently I am reinstating my dispute. 
The following account is inaccurate : SEE ATTACHED DOCUMENTS I DO NOT FEEL COMFORTABLE PUTTING THEM HERE
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 3 years to access my free Equifax portal after their data breach and have never been able to be provided a score or my report, preventing me from accurately checking my credit report and disputing items from identity theft or inaccurate items per 15 US 1681.
Product: Mortgage

Around XXXX of XXXX I entered into a mortgage forbearance plan with US Bank due to a decrease in income related to XXXX. When my forbearance plan ended last year, US Bank offered me a loan modification. After submitting the notarized loan modification forms to them several times, each time they returned the papers with vague reasons why they were unable to accept them. Finally, they said that too much time had passed and I would need to reapply for mortgage assistance, which I did. 
After several weeks they again sent out loan modification paperwork which I then took to XXXX XXXX in XXXX XXXX XXXX to be notarized. Per tracking information from XXXX, these papers were received on XXXX, XX/XX/XXXX. On XX/XX/XXXX I received another packet from US Bank with a letter stating that they could not accept my paperwork and new loan modification paperwork to complete by XX/XX/XXXX. Today at XXXX XXXX my wife and I called US Bank to speak with a loan modification employee regarding why they could not accept the papers that were sent to them ( yet again ). The employee named " XXXX '' ( unsure if spelled exactly correct ) stated that it was either due to the notary not signing a paper, or that I signed in print ( I am unable to sign in cursive ). He was unable or unwilling to tell me what paper the notary did not sign correctly, and also stated that the loan modification forms MUST be signed in cursive even though I do not know how to write in cursive, and my initial mortgage papers were signed in print without an issue. 
At this point I am VERY concerned that I may lose my home to foreclosure due to the constant refusal of US Bank to accept notarized paperwork. Every time the papers are submitted, there are different excuses why they are unable to accept them. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) 29 potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX XXXX XXXX XXXX - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXXXXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX/ - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

I submitted my initial complaint in late XXXX stating that this debt was placed on my credit report without written notification. This company is violating my right to dispute a collection before it is placed on my credit report. In addition, this company hasnt provided validation that this debt belongs to me.
Product: Bank account or service

I was involved in an automobile accident where XXXX. I contacted my insurance agent to find out what my options were as far as repairs were concerned. They told me that my comprehensive coverage would pay for the repairs and my out of pocket expense would only be {$50.00}. When I picked up the vehicle for the repair shop, I was told that it was covered under my collision coverage and not my comprehensive. Therefore, I had to pay {$250.00} out of pocket instead of the {$50.00} my insurance agent told me. 
I contacted the claims office and they notified me that under my policy, this was correct. If I had hit a deer, dog, or other animial, it would have been {$50.00} but because I hit XXXX at no fault of my own, I had to pay out {$250.00}. I was lied to and misled by XXXX and the people I pay each month to know my insurance policies inside and out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After reviewing my credit report, I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 
Please delete ALL accounts from my credit report immediately!
Product: Student loan

Mohela has mishandled my student loans. I was transferred from XXXX to Mohela. XXXX approved my XXXX driven repayment plan for a cost of aproxiamtely $ XXXX. Upon the transfer to Mohela, Mohela " lost '' this application and informed me that I now owe {$390.00} a month. I reapplied for XXXX and uploaded supporting documents from XXXX and applied for forbearance. I called Mohela on XX/XX/XXXX. After nearly XXXX hours on hold, a representative told me " you did everything right '' and my forbearance would be approved by Monday, XX/XX/XXXX and I would not need to pay. 

Mohela 's auto debit system failed and did not bill me the ( again, incorrect ) amount of {$390.00}. Instead, Mohela put my account into delinquency and when I called again today ( Wednesday, XX/XX/XXXX ) Mohela 's automated phone system warned me that a collections agency would gather information to use against me, despite XXXX XXXX 's so-called " on ramp '' of not reporting delinquent payments to creditors. 

Additionally, my XXXX has been denied, despite the fact that I only make {$39000.00} a year after tax. 

I do not know if I still qualify for XXXX XXXX XXXX XXXX. I just resubmitted an IDR application with documents attached ( which are not required ) and Mohela is showing that I applied for REPAYE when I applied for XXXX. 

I have been on hold for an hour again.
Product: Checking or savings account

I called into fifth third bank to dispute planet fitness monthly charges for XXXX and the rep was very nasty and rude to me. A si was trying to explain to her why I was disputing the charges she was already implying to me how the charges were valid before she even let me finish my statement to My dispute. Then she further said that she had no way of looking up transactions at all. The fifth third app was not working either to allow me to easily search for the transactions either.
Product: Checking or savings account

eTrade froze my savings account ( XXXX ) because of a " suspicious '' transaction where I electronically transferred money into the eTrade account on XX/XX/22 and then transferred the same amount of money out of eTrade on XX/XX/22. They were not able to say what was actually " suspicious '' and they were not able to tell me their rules for moving money into and out of their savings account. I thought that a savings account by definition is a liquid account where you put money in and take money out. The eTrade rep was XXXX XXXX. My account is completely frozen, I can not even move the money into my eTrade brokerage account. Secondarily, I have to call the to resolve this, but was on hold for over XXXX minutes and never reached an agent. They did have someone call me several days later.
Product: Mortgage

I've called the XXXX XXXX department several times. A couple of times I called because my amount due was showing double what I thought I should owe ... .I called and was advised the website was wrong and that my XXXX payment was all paid up. I found out today after calling again that is not correct. I've had a HUGE number of expenses - literally {$1000.00} or more each expensive happen in the last several months. I don't see this being an issue long term- but I also can't fathom any way I can catch this up. I'm scared, I'm stressed, I really just want to start afresh in XXXX with my regular XXXX payment so I can get back on my feet. I'm completely fine with them adding the missing payments on to the end of my loan. I'm just desperate to get out of the hole I'm in. I'm always diligent about paying on time - as tight as my budget is. But after all the huge unexpected events lately - I just can't even begin digging out of the hole I'm in. I'm currently in a bankruptcy, but my lawyer said there's nothing they can do that would assist me on their end. I desperately hope you can help.
Product: Debt collection

Hi, today I got notified that a collection account related to a medical bill has got reported to my credit history. The collection agency contacted me ~6 months ago and informed me about unpaid balance and immediately took action and paid the entire bill to the SERVICE PROVIDER and then sent the receipt of the payment to the collection agency. They told me it will take 2 weeks for their records to get updated and they will remove the claim as soon as they confirm it with the provider. After that I tried multiple times to contact the collection agency to resolve the issue but they kept saying the account is under review. The service provider name is " XXXX XXXX XXXX XXXX ''. As per attachments you can see that I have already made a payment of {$68.00} on XX/XX/XXXX to the service provider. In order to prove that the transaction has actually gone through, I've attached my XXXX card statement for XXXX for your visibility. 
For the past 6 months, I've made multiple attempts to resolve the issue by contacting RentonCollections but I keep hearing the account is still under review. Today I got informed that this account is actually reported to my credit history. I immediately filed a dispute and send RentonCollection an email to remove this account from my credit history ( again ). But no action is taken yet. I feel I'm being financially abused and they are intentionally delaying the review.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report, and noticed Transunion and XXXX are still reporting inaccuracies on my report. I disputed the items on XX/XX/2024, Transunion sent me back there response stating that they investigated the item and the account is complete and accurate. However I looked at my report and noticed everything is still the same. I sent another letter to both Transunion and XXXX asking for proof of verification because they are reporting inaccurate information and according to the FCRA I believe they have laws that these companies are supposed to follow yet they are ignoring the laws and penalizing me for there inaccuracies. XX/XX/2024 I sent my letter to XXXX asking them to reinvestigate the inaccurate account : XXXX XXXX XXXX, here 's the tracking number : XXXX XXXX XXXX XXXX XXXX and on XX/XX/2024 to Transunion for the same XXXX XXXX XXXX XXXX  tracking number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX sent me back the same thing stating that they investigated the account and its complete and accurate. Transunion sent me the the same response one week later. How are these accounts complete and accurate when they are reporting that my last payment was made on a date that is considered a C/O. I consulted with my lawyer friend and I have proof of all the inaccuracy also the lawyer stated that by law they are supposed to remove any inaccurate account from my report. My lawyer friend also stated that after any reinvestigation according to 15 USC 1681i 5 " ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed, 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. Also according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Transunion and XXXX really did not investigate or reinvestigated the account, they lied on an official document saying they did something they did not do and I have evidence to prove my case. XXXX deleted the item I disputed and Transunion and XXXX continue to lie about they're investigation. Why do we have laws, rules and regulations if they are not following it???

I've attached all of my proof.
Product: Debt collection

This XXXX XXXX company just started reporting on my credit report an amount of {$1200.00} on one and the other of {$490.00} I don't know what these are for, they state is for XXXX College a college that closed its doors and is currently in a court case due to XXXX  student loans and they are claiming balances that has nothing to do with the student loans that I have thru the school. It is hurting my credit and I never received letters or anything from them explaining what those balances where for
Product: Checking or savings account

a check was deposited into my account without my knowledge and my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( 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.