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

The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid XXXX pandemic is still active and in place. XXXX XXXX XXXX  for the months of****XXXX  and XX/XX/XXXX are reporting XXXX late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Student loan

I believe that I am a victim of predatory lending and bad business practices. I was promised a superior education that was to be followed by a dedicated staff that would stay with me through the hiring process when I enrolled at XXXX XXXX of XXXX XXXX in 2006. I was sold a dream that did not exist and pressured into signing for loans that I did not understand. Once it was found that I would not be able to fund my education completely through XXXX form of federal loan I was informed that there was another type of federal loan. They proceeded to tell me that all I needed to have in order to guarantee funding was XXXX individuals with poor credit that would automatically get denied and their permission to do a credit check so that I could benefit from the other loans. This is what we did. We used my mother and sister as potential cosigners and once they were denied the financial aid office told me I was eligible for full funding. Within a few minutes they had whisked me away and had me sign paper after paper. I started to become hesitant and it was at that point my recruiter began to give me a speech about how I was older than the traditional college student and that I needed to jump on this opportunity now if I ever wanted to amount to someone who could provide for my family. She told me it was extremely hard to make it through life with a lower class job and that this may be my one and only chance to get out. At no point did they ever tell me that the loans I was signing up for were private loans that would not follow the same deferment guidelines as the federal loans. From what I understood all of my loans were federally funded. 

Obviously I signed up to be a student and during that time ran into many roadblocks that made me regret choosing XXXX. It was't until much later when I decided that the school was a fraud that I was informed my credits would n't transfer. I only decided to stay because I was informed that my degree WOULD transfer and that I could obtain my XXXX at another school. Upon graduating I found out that was a lie. None of the state universities would touch me. The only schools willing to look my way were other high dollar schools such as XXXX and University XXXX XXXX which cost up to $ XXXX out of pocket. Now today I am stuck with $ XXXX in debt ( will be $ XXXX by the time interest is paid ) and a degree that I can not use. Payments are expected to be around {$700.00} a month but who can afford that and live? This story can be heard from victims all over the nation and something needs to be done. 

My loans were originally through XXXX XXXX but are now handled by Navient. I believe XXXX XXXX was aware of the bad lending procedures at XXXX and other for profit schools and turned a blind eye. They did not have to provide XXXX with the ability to provide funding to students but they did and now students everywhere are drowning.
Product: Credit reporting or other personal consumer reports

I have submitted documentation as a XXXX  of XXXX XXXX that my adverse information be removed from my file and i have yet to receive any update or any changes made to my reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> EQUIFAX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone permission to access my credit but the following companies have accessed my credit report. Someone else has been attempting to get things using my personal information. Please delete all the inquiries listed on my identity theft report.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address Fraud on their Platform, leaving my account Vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these Violations.
Product: Money transfer, virtual currency, or money service

XXXX was negligent because they didn't have consumer protection warnings in place and I was put at a major risk to lose my money because they didn't do their due diligence. This violated the Electronic Transfer Act. According to FDIC they aren't in compliance.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting

My complaint is with the Emergency Room Hospitals in XXXX Florida. I went to the ER and was admitted, bills were submitted to XXXX and paid. However, a doctor in the ER did not submit his billing until a year later and due to my move, 2 years later ( this week ) it was on my report. XXXX was contacted and they never received the bill. This has happen numerous times and now its on the report. In addition, TransUnion put it on their report XXXX and now I am denied housing. XXXX is going to pay as soon as they contact the hospital. This is unjust to the consumer/patient when you provide the information and all these doctors you have no knowledge of bill years later!!! I was at XXXX XXXX Hospital in XXXX, FL. XXXX XXXX XXXX Hospital also billed separately but I was still located at the same address and was able to resolve it with XXXX. Finally, on the report it states I have another name of XXXX XXXX This is not my name and never have I used this name. I want it removed.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is being reported inaccurately. This account is incorrectly being reported as a charge-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account per 15 USC 1681.
Product: Debt collection

Received a call from XXXX XXXX ( XXXX ) XXXX a company claiming they have been looking for me to serve me with court documents. They asked me to call XXXX XXXX at ( XXXX ) XXXX where I spoke with an extremely rude man by the name of XXXX XXXX. I explained the item was charged-off and I was still asked to pay. After redial I was told Id be sued in court. I asked for his name and he hung up. I called back and was blocked after speaking with another man that refused to provide their names. I finally got through from another phone and spoke with XXXX XXXX. She provided the first guys name, but said she didnt have record of another person accessing my record. After explaining this to XXXX she requested the dismissal number. I told her to locate it themselves since I dont appreciate their tactics to get me on the phone and to they to intimidate me. She confused to speak loudly and did not let me talk further backing her colleagues by justifying their actions. No one at this company recited the XXXX and were extremely rude and attempted to be intimidating. Please contact the following agencies to file a formal complaint : XXXX FTC, FCC, State Attorney General, and your original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was contacted by XXXXXXXX XXXX about suspicious charges on my XXXX XXXX XXXX Approximately, {$14000.00} was fraudulently charged. I verified with XXXX that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with XXXX that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call XXXX 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called XXXX because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my XXXX account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.
Product: Debt collection

I am writing to formally dispute the inclusion of my information on your credit report and to assert that I have not provided written consent for any entity to access or furnish my personal and credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ), my permission must be obtained before any third party can access my credit file.
Product: Credit reporting or other personal consumer reports

I submitted a request to take a derogatory mark off my credit report that was not me, during the attempt to take it off it has been over 45 days. XXXX XXXX XXXX amounting in XXXX dollars was fraudulently put on my report and I want it off. According to 15 USC 1681 you can not defame me and cause damages to my report.
Product: Vehicle loan or lease

The finance company sell a car that was having mechanical problems ( I notified several times ). They called over 10-15 times a day ( even before XXXX ) and that's including my references. In addition, I provided the address to repossess the car and they never show up and now they are treating me to file a stolen car report ( which is false ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute when XXXX and Experian. I did not ask for a pay for deletion letter or any negotiation as I articulated that they BOTH have violated my consumer right s- willfully. I just tried to dispute errors on MY OWN CONSUMER REPORT and Experian said that I couldnt dispute it. ITS MY REPORT- NOT THEIRS. They are a non affiliated third party that NEVER had my permission to report ANY activity good or bad on it. I have precipitated this to both the CRA AND the creditor and they refuse the delete this account. How can Experian tell ME what to dispute! This is egregious!
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} 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.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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.
Product: Debt collection

I recently discovered an entry on my credit report that I was unaware of. There was no prior communication indicating that I could dispute it, and I haven't received any correspondence regarding it. The last reported date was XX/XX/2024. Despite requesting verification from the relevant party, I have yet to receive any documentation. XXXX has also not provided me with any information to verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balanced {$2100.00} CHILDSUPPORT XXXX Balanced {$4700.00} XXXX XXXXXX/XX/year>
Product: Checking or savings account

Significant fees were charged on a number of different dates while account was low. I had money in one of the other accounts I have with the bank and I'm usually given a short grace period to transfer funds. Not on this occasion. When I spoke to the rep on XX/XX/30, she said that i had funded the account within the grace period, but another ACH hit the account so that makes the account eligible for all the previous fees. I asked why that wouldn't restart the grace period clock for the ACH and she replied that it would. I challenged her on the circle talk and she got defensive.
Product: Debt collection

XXXX comenity bank for XXXX XXXX said I owe XXXX which this is fraudulent. I didnt open an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit, I noticed that there were some things that were wrong on my report, so I contacted the credit bureaus to ask them to verify the information and they failed to verify it. I have contacted them on multiple occasions and they are not following by the guidelines of the FCRA and are violating my rights by failing to investigate and by reporting misinformation without providing proof. I want this erroneous reporting removed from my report as per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

The contract related to this account is unverifiable canceled and or has been paid by insurance by law I am not liable for any third party debt collection as the original creditor has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX told my ex husband that I would be removed as a co-signer from his mortgage when he modified the loan without me post divorce. He waited per their request to submit the finalized divorce paperwork along with the modification so that he could stay in the house on his own as he was previously. I was removed from the mortgage ( attached ) and I was removed from the deed. XXXX, however continues to keep their account on my credit illegally. Nothing has my name on it any longer and I have no responsibility to the home anymore. XXXX has refused to offer any assistance and continues to report as an open account on my credit causing me additional financial harm and emotional distress. I consulted an attorney and I was told that it was a mistake and they need to correct it. I have attached all the paperwork I have.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I spoke with XXXX and had them place a FRAUD ALERT onto my Credit file. The reason for doing this is because, On all credit reports, there are numerous out-of-state addresses as well as names that are not related to me at all nor have they ever been. There are also a lot of misspellings of my name as well as the name of an entirely different person that I do not even know. In addition to over XXXX addresses being listed alone on XXXX and XXXX name variations, numerous phone numbers aren't mine, and also XXXX employers that need to be removed as well from XXXX. XXXX was very helpful and I think that we got everything addressed on their report as far as the personal information goes. I am still waiting for Equifax to provide me with a report because they are insisting that I have online access, when I enter my information details, however, I continue to get error messages saying that the login details have failed. I figured that it would be best to get my personal information corrected and updated on all reports first and foremost, before I begin to start to dispute actual accounts. I thought baby steps would be the best bet. However Equifax is fighting me tooth and nail on this matter, I simply need a credit report provided from them so that I can address issues and get the ball rolling and address the issues with this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my credit report on XX/XX/2019 that i did not authorize company to look into my credit, I did not apply for any type of credit.
Product: Debt collection

Called bank of America when I had the cash to pay the debt couldn't find the account.