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

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options.

I thank you in advance for your assistance and response.
Product: Credit card or prepaid card

XX/XX/XXXX, received NetSpend Visa Prepaid Card as a gift XX/XX/XXXX,  contacted company to activate card. After going through the long process to activate, I was told that if I used the card as a " debt '' which I would have to, they would charge me {$2.00} for putting my pin into the machine. If I used the card with a " signature '' which I did not understand since you have to put a pin in for a debt card I would be charged {$1.00}. So this {$20.00} gift I received would only be worth {$18.00} or {$19.00} dollars. My benefactor had to pay {$2.00} to purchase the card and then I would not get the full benefit of her gift because the company would be taking fees. I told the company that I wanted the {$20.00} and they said they could send me a check in 7 to 10 business days. 
XX/XX/XXXX, I contacted the Department of Banking and Insurance in New Jersey and was told I have to contact the Federal Trade Commission and I asked for a telephone number. The number I was given was for a drug crisis center. Thanks, New Jersey. 
XX/XX/XXXX, I contacted the CFPB and was treated with respect and kindness. Thank you CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONVERGENT OUTSOURCING {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried fixing this issue with all three bureaus on this account because account status reports as close with a balance of {$2200.00}. they last reported along with date last active has been re-aged.Payment history is reporting data by XXXX and Equifax yet missing data on date of last payment. I have not received any documents stating that this account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. this account is reported as closed with a balance yet account is still reporting payments on the payment history not possible. I previously wrote to Bureaus asking to verify or delete immediately because account is reporting incorrectly. Theres no way that account can be closed and yet reporting payments on a dead account account is a total mistake
Product: Checking or savings account

Subject : Account Closure Inquiry Unable to Provide Account Number Due to Account Lock I am writing to formally document the recent developments concerning my Marcus by Goldman Sachs account. 

Background : Account Opening Date : XX/XX/year> Current Status : Locked and closed as of XX/XX/year> Timeline of Events : 1. On XX/XX/year>, I attempted to access my account via the Marcus mobile app and received a message indicating that my account was locked, requiring me to contact customer service. 
XXXX. I called Marcus customer service on XX/XX/year>, and spoke with four representatives. After discussing the issue, I was transferred to a specialist who informed me that a business decision had been made to close my account. The reasons provided included possibilities such as fraudulent information or illegal activity, but no specific details were given. 
XXXX. Unsatisfied with the initial response, I made a follow-up call on XX/XX/year> and spoke with a specialist named XXXX. I requested to speak with a supervisor and was informed that supervisors are available XXXX  through XXXX, and a request for a call-back was submitted. 

Concerns : Lack of Transparency : I have not been provided with specific reasons for the closure of my account, which is concerning. This lack of communication has affected my trust in the institution.

Financial Impact : The closure of my account without prior warning or notification has the potential to impact my financial standing. 
No Prior Warning : I did not receive any warning or notification before the closure, which is not only unsettling but also unfair. 

Requests : XXXX. I am requesting a detailed explanation regarding the closure of my account, including any specific activities or information that led to this decision. 
XXXX. Please provide written confirmation of the account closure and the reasons behind it. 
XXXX. I also request the full refund of my {$500.00} deposit, as previously mentioned by your representatives. 

I would appreciate a prompt response to this letter, ideally before my scheduled supervisor call. This will allow me to have a more informed discussion and seek a resolution effectively.
Product: Checking or savings account

I received an email on XX/XX/XXXX and a letter on XX/XX/XXXX from what appeared to be Chase bank saying I had an account opened, even though I did not. I called the customer service number, and it was very realistic, so I gave them my social security number and they said there was an account in my name and put me on hold. On hold, I decided to double check that the Chase customer service number was the same but it was not. I called XXXX instead of the real customer service number. I immediately hung up and froze my credit but now I know my information is out there. No money was stolen to my knowledge but I am very concerned.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Debt collection

We received a collection letter form Caine & Weiner Acc # XXXX, Amount due : {$120.00}, This amount due is wrong, I ordered from XXXX : XXXX : {$6.00} and XXXX cups : {$1.00} date XX/XX/2016 and I never ordered anymore from them. 
After that they never sent me billing statement for payment I only received a post card which showed amount due : {$67.00} and have to pay online, It is wrong due amount. 
I can not pay online amount $ XXXX {$1.00} which I owed them. I try to call customer service but only machine answered and wait for long time. 
Now I want to fill out customer complaint and request the XXXX sent to me a billing statement due amount {$7.00} plus tax that I owed and willing to pay for that amount.
Product: Student loan

When I graduated from college, I was made aware of a government student loan program called, " Public Service Loan Forgiveness ( PSLF ) Program. '' Essentially, if a college graduate obtains employment in the public/non-profit sector, then the college graduate remaining Federal Student Loan balance is forgiven after 10 years of full-time employment & 10 years ( 120 payments ) that are paid on time & in full. I have never missed a student loan payment and have been employed and currently employed with the XXXX XXXX XXXX for over 10 years since XX/XX/XXXX. I started paying on my student loans in XX/XX/XXXX. 

To my surprise, the payments that I made to my Federal Student Loans for the time period of XX/XX/XXXX-thru-XX/XX/XXXX were not counted as " qualifying payments '' of the 120 payment requirements due to being assigned the wrong repayment program. the PSLF Program is not the easiest program to navigate & I felt that for the time period of XX/XX/XXXX-thru-XX/XX/XXXX, I was making my student loan payments in the correct repayment program under PSLF program in good faith. 

However, I was recently informed of a Student Loan Forgiveness program called : " Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ), which was created under the Consolidated Appropriations Act, 2018. 

I believe I qualify for the Temporary Expanded Public Service Loan Forgiveness opportunity & it's important that my submitted request is processed as soon as possible. Because TEPSLF has limited funding of {$350.00} million, which means it will be proved to a limited number of applications on a first come, first served basis. 

I just received by formal denial of my PSLF Application on XX/XX/XXXX, which I'm happy to receive, because I have to have a formal denial of my PSLF due to non-qualifying payments to qualify for the TEPSLF Program. I have submitted my request for the TEPSLF program per XXXX  Instructions to XXXX & have not received a response that I'm being considered for the TEPSLF program since I submitted the TEPSLF request on XX/XX/XXXX. I know there is only a finite amount of funds available under the TEPSLF program, & I just want to be ensure that my name is correctly placed on the TEPSLF list for funds.
Product: Mortgage

I 'm in a high interest only loan with Bank of America and I am in the process of refinancing. When we called for a payoff they had late fees and inspection fees and a random fee of XXXX . I have sent in all bank statements to prove none of the fees are correct. XXXX XXXX said if I could get here my bank statements faxed to her she would take care of it by XXXX on XXXX/XXXX/2016 as I needed the payoff to close on my refinance. That never happened and I never received a return phone call as she promised and she will not answer my phone calls, So every time I call I get a different person who ca n't help and have put over 50 hours on the phone with them. My refi did n't happen and still has n't happened due to them not resolving this issue. They also reported me 30 days late for XXXX claiming I did n't pay XXXX. So now that is affecting me from being able to refi. I produced a letter asking that to be removed. In the meantime it 's causing a hardship to be held in the loan. This loan has increased and I can not afford it.
Product: Mortgage

I looked at XXXX ads online in early XXXX to find the best rates to refinance my mortgage. I was contacted by several mortgage companies including XXXX XXXX from Sovereign Lending group who sent me a written guarantee they would beat any other quote or send me a check for {$1000.00} for rate quotes on the same day. I received a quote from XXXX on XX/XX/2020 which I will attach for 3.625 %. I also sent them a better quote also on the XXXX of XXXX for 3.375 % from XXXX XXXX and it went to XXXX XXXX another agent at Sovereign. XXXX didn't respond on the same day but sent a quote the next morning that was still higher than my quote from XXXX XXXX. I politely asked that since they were unable to beat the XXXX XXXX quote that they forward the promised check which they use as an advertising tool. They have refused to send a check and do not answer emails and calls regarding this. I sent two emails to their support site asking for a manager and explained what happened but they do not respond. I was continuing to get contacted by numerous agents asking to provide loan quotes from Sovereign. Each time I explained I was going with a different firm and that they didn't honor their promise. Finally one of them connected me to a manager XXXX XXXX at XXXX who I thought might finally take care of it. But after two conversations he has not returned my last 6 phone calls. I find this whole process to be deceitful, with false advertising and totally unprofessional from all those I have been in touch with asking them to honor their certificate of {$1000.00}. I was hoping they would have the best rate but they didn't .I just ask that they do the right thing. It's not hard.
Product: Checking or savings account

On XXXX I received the text message regarding my mailing address being changed, when I opened the Wells Fargo Apps it showed {$5400.00} stealer transfer my money to their account but still pending, I called to Wells Fargo Customer Service Center to STOP/Cancel the payment they told me needs to 10 days for investigation, next day XXXX they withdraw another {$33.00} so I walk-in to nearby Wells Fargo Branch ( XXXX XXXX CA ) their banker told me needs to make an appointment for it, finally I call the Claim Department again they told me they will full reimbursement back to my account and stealer 's account will be suspended/canceled but they didn't any auction taken ( they recorded out conversation ) at the end they refused to pay me {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

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 use 1681. 

XXXX XXXX XXXX # XXXX XXXX  child support enforcement # XXXX, # XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX  - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} acct # XXXX SeQuium XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX  XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the information concerning any public record is correct with this credit report bureau. The record on file is not mine and XXXX refuses to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize AMERICAN HONDA FINANCE Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have Honda Finance remove all inquiries appearing on my credit history.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Trans Union has my count locked. I never requested this information on report. Please have them remove
Product: Credit reporting or other personal consumer reports

I initially wrote to Equifax on XX/XX/23 asking for them to remove an account that included multiple inaccuracies, per my FCRA rights. They did not remove nor update the information. I then, filed a complaint here on the consumer finance site and waited for the investigation. As of today, XX/XX/23, Equifax responded that they updated the account to reflect all correct information for the account but they failed to do so again. I contact XXXX XXXX XXXXXXXX whom now holds the XXXX XXXX XXXX account and confirmed that the balance is {$42000.00}. Equifax is still reporting {$5100.00}. This account should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX 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

Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw two new hard inquiries Syncb/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX   XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is " XXXX XXXX XXXX '', I am sending this request myself for you to seek your help and assistance about the flaws reporting on my Equifax Report. I am not linked to any credit company or any of its kind. I have been sending letters and reaching out to Equifax, asking them to address my concern and for them to furnish me with any legal documents that validate their judgments. However, my request has been neglected. I haven't heard any reply from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the inquiries Equifax failed to verify : XXXX/XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX  XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021