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

I have requested 3 times that Transunion and XXXX investigate inquiry 's on my reports. They refused to do it and say to contact the people who ran the credit. These are not my inquiry 's so when I call to ask the company 's they never send anything to me. I have tried to get it resolved with Transunion and XXXX with no results. So the credit agency 's are not removing these inquiry 's. These are Transunions : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are on XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting or other personal consumer reports

ISSUE Improper use of your report In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Inaccurate Information on my credit report, 15 U.S CODE 1681s-2 A person shall not
Product: Student loan

I am the XXXX y/o father of a student who graduated from college in XXXX. I co-signed for many of the loans. Some of the loans have been paid off and others are receiving payments. Navient is XXXX such creditor. The XXXX loans with Navient originated with XXXX XXXX. Due to our financial difficulties XXXX XXXX agreed, by phone, that we would be able to reduce our payments to {$300.00} per month for all XXXX. 
We have since filed bankruptcy and are living on Social Security. Our attorney filed a Cease and Desist order on Navient. On the XXXX of XXXX XXXX I was told at XXXX hrs by Navient representative XXXX ( XXXX XXXX ) that there were programs that Navient could tell me about that would help me with the loan but first we ( my wife and I ) " can only take advantage of reduced monthly payments and other assistance only if we void the Cease and Desist Order. '' When pressed for information Navient would not reply. I ended the conversation and continued to make the payments. 
Today, the XXXX of XXXX at XXXX hours I received another call from Navient saying that the caller was in a special department and could help me. I was informed they had only so much time available to help me with a proposal to reduce the balance and that my request for a written proposal would probably result in the time to make a decision expiring. With no chance of receiving hard copy of any loan information proposal, I hung up.
Product: Debt collection

Papers left on apartment door with court date, state being sued from a third party debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

TAKE NOTICE ( XXXX ATTEMPT ) COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY REPORTING UNAUTHORIZED INFORMATION. ON XX/XX/XXXX, IN WRITING, I SENT COMPANY AN OPT OUT NOTICE. COMPANY IS STILL REPORTING NON PUBLIC INFORMATION ACCORDING TO CREDIT REPORTS. 

COMPANY IS IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF XXXX -CODE OF FEDERAL REGULATION TITLE XXXX CHAPTER XXXX SUBCHAPTER C PART XXXX PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE XXXX UNITED STATES CODE XXXX XXXX OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION
Product: Student loan

I recently spoke to a rep to lower my payment and made it clear with a break down of my bills : mortgage, daycare, utilities, auto, insurance, groceries and XXXX  children I could not afford payments over {$150.00}. I was told my payment would not be over {$150.00}. I just received a notice today that my payment will be {$230.00} and now my balance is over {$60000.00}. Mind you, I didnt borrow over {$30000.00}. I am not even sure how its over {$60000.00} But this is a nightmare. I can not afford this. It will cause me hardship. I am the sole earner in my home. I have emergencies that come up. I can not struggle. I dont want to struggle. I asked for payments that would be comfortable but my requests were clearly ignored and now I am up at XXXX feeling stressed, exhausted and defeated. I regret getting student loans because it's become a nightmare I feel I will never awaken from
Product: Bank account or service

I withdraw {$500.00} from Atm Machine located at the Citibank branch of the city of XXXX CA XXXX on XXXX XXXX 2016 around XXXX. I realized the ATM gave me just {$200.00}, I called Citibank customer service to report this incident, They gave me conditional credit toward my account pending investigation without showing any proof they reversed the {$300.00} credit given, I spoke with a Supervisor on the customer service department I told him, I need some type of proof as a video of the transaction because while after completing their investigation Citibank has not provided me proof of such the money given by the ATM just they said as stated on the letter 'they cant XXXX honor my request '' That 's why I 'm reporting this issue to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been inaccurately reporting a child support that was charged off a balance. 'first of all it wasn't charged off and second it was paid and there is no balance. I have asked for 4 months to have it corrected to report accurate and it still is wrong.
Product: Student loan

I have applied for the SAVE plan so that I can make payments that count through PSLF as I am a XXXX XXXX XXXX They said that my documents were denied. They asked for my tax documents from the prior year, which isn't when I started teaching. I can't upload a tax document for 2023 because it isn't out yet. I can not get in touch with anyone, especially during working hours.
Product: Money transfer, virtual currency, or money service

I lost my phone and they said they will not be able to refund me
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I have given the credit reporting agencies over 60 days to investigate and fix their Inaccurate reportings on my consumer report. Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. I demand removal of the attached accounts and inquiries at this moment. 
Thank you.
Product: Vehicle loan or lease

At the end of XXXX, Santander consumer USA repossessed my car. During this time, I have made effortless tries to try to get my car back from Santander. Every time I would call I would get a different quote or something completely different from what I was told by another representative. I have made several attempts and Still no luck. I have no idea where my car was taken too, I was never told where I could pick up my belongings, I was never notified of anything regarding the car. I know I have a right to know where the car is and at least get my belongings. I have confidential information and belongings in that car and still, Santander refuses to release information or at least my property. As a consumer, I have rights that were abused and not respected by this company. It has been a stressful process with no help. I have called multiple times with solutions and trying to come to a compromise or at least a solution. I have tried to work with Santander and have had no luck. It is XXXX and I still do n't know about my car or my belongings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 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

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My credit card from First Progress with an account number that ends in XXXX was stolen in 2019. The account was closed due to the card being stolen and fraudulent purchases being made on the card. 
I just recently realized a couple of months ago that the account is being reported as a Charge Off ( CO ).

This is incorrect, the account should be closed only and not have a " Charge Off '' associated with the account. 

When I try to call the company to discuss the charge off they can never find my account so I'm never able to discuss the incorrect reporting with them. Even when I speak to supervisors they aren't able to find the account as well. 

Whenever I try to dispute the account from a credit bureau they refuse to delete the charge off status, but anytime I call the company to inquire about the account they can never find it, even after providing my SSN, full legal name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2021 Account type Auto Loan Payment summary XXXX  XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/2021 Original balance {$23000.00} Monthly payment - Last payment date XX/XX/2021 Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in several disputes to XXXX, XXXX, Transunion disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.
Product: Checking or savings account

My direct deposit has not been credited to my account for several days. The bank, Capital One, has said that theyre having technical issues but that was sent to me via email yesterday evening and the problems began on the second. They claim theres a power outage and that I would have received my direct deposit by Friday morning. Its now XXXX XXXX XXXX and I still have not received my direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This account balance is incorrect. This account is currently under litigation. Please remove and delete this account from my credit report. 

Account Number XXXX Medical : XXXX Current Balance {$460.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

I noticed three accounts from the XXXX XXXX on my credit report. The original creditor was XXXX. 
I wrote a letter to XXXX last winter and informed them that I had been a victim of fraud ; my now ex-husband sent his new girlfriend into grocery stores and wrote checks for food. I asked them to please work with me, as the bank has been doing until this goes to court. My certified letter was ignored and immediately the XXXX XXXX started reporting these accounts. 
When I was first made aware of the situation, I filed a fraud report with the credit reports and thought my files had been frozen until this can be resolved in court. 
I am protected under the FCRA from this being done to me with these accounts and have jumped through every hoop possible to get it resolved.