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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

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

In accordance with the fair credit reporting act the following companies 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 instruction.

I have the following inquiries on my credit report, in which I did not authorize or have knowledge of. 

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

Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
Product: Student loan

I signed up to repay my loans on https : //myaccount.edfinancial.com/AccountSummary and linked my bank account, setup auto pay and paid off XXXX my loans in full. 

Unfortunately all of my loans keep getting refunded and I have contacted my bank and they said they never received any payment requests. So the loan provider not only did not accept my payments and they keep reversing the payment but XXXX claims that the provider never even sent a request despite having the correct routing number and account number. 

I have called both parties and need assistance with this as now I have missed payments on my credit history. Please help me
Product: Student loan

XXXX University XXXX - XXXX, Florida. I attended this school for my XXXX. and XXXX. degree. They lied about job placement numbers, lied that the degrees I was seeking would be get me the job I wanted, lied saying that my credits could transfer to any other school, and they were under investigation from the gov't at least XXXX time while I was there and that is why they changed the school name from XXXX University to XXXX while I was still attending. Since then, XXXX has numerous lawsuits filed against them for misuse of funds and for fraud, including another gov't investigation for the same allegations. They have filed bankruptcy and closed many schools, and the ones still open are no longer allowed to accept students.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an inquiry on a company that I did not authorize ; I did not understand that i was applying for credit with this provider.
Product: Mortgage

I applied for a refinance mortgage loan with Amerisave. Loan officer name was XXXX XXXX XXXX. He was very responsive and appeared knowledgeable in the refinance process. I paid the application fee of {$500.00} and he stated I would get that back at closing. My loan was sent to underwriting and was put on hold due to fraudulent reporting from he goes by XXXX. He stated 2 of our existing loans were paid in full and the underwriter wanted proof. The 2 loans in reference were not paid in full and we never reported as such. XXXX reported that info Im guessing to get an underwriter to take our loan and collect the application fee. The underwriter has put our closing on hold due to this information. I have attempted to contact XXXX twice in email with no response and filed a complaint with customer service also with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I love my citi card but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files thank you
Product: Credit card or prepaid card

I stopped by Ashley Furniture at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX back in XXXX 2017. I do not remember the exact date. I asked about a couch I wanted to buy and the salesman told me he could check my credit score to see if I qualified for financing. He asks me for my personal information. I oblige and am told that I would qualify for a particular amount. I ended up not buying the furniture, but later received a credit card in the mail that says " thank you, here is your credit card '' I do not remember requesting a credit card, though. I am positive this establishment misled me and forced the credit card on me, despite just saying they were just going to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to respond to remove error reporting XXXX XXXX XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bought XXXX ( XXXX XXXX XXXX ), paid via Bank of America XXXX payments ( {$250.00} and {$200.00}, sent separately on XXXX  ) to scammer 's XXXX XXXX XXXX XXXX account ). Seller initially listed phone on XXXX. Was not able to complete purchase because XXXX required additional documents from Seller - who later contacted me via email. 

Seller and her mother - residents of XXXX XXXX, Texas - lied and never sent the phone. They bought/downloaded USPS shipping labeXXXX so they could provide tracking # but never actually handed the package over to USPS. USPS tracking # shows " Label created but not in system ''. 

Filed complaint with Bank of America, XXXX Payment Dept. on XXXX Mailed hard copy of email exchange between victim and scammers to Bank of America, XXXX Payment Dept. on XXXX forming part of record of of complaint. 

Also filed complaint with XXXX XXXX  Texas XXXX XXXX. on XXXX On XX/XX/XXXX, XXXX XXXX XXXX called and advised me to ( 1 ) file formal complaint with FTC and ( 2 ) local Police Dept. FTC site also suggested filing complaint with CFPB - since Bank of America refused to refund scammed amount.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$29000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have accounts reporting on my credit report that is reporting incorrectly and inaccurately and I am requesting information to be sent to me for proof and validation of accounts and information for accounts that is being reported I will like them to be deleted for inaccurate information and I will be sending documents attached to this
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND XXXX. XXXX $ OLD DEBT PAID AND CLOSED PAST 10YRS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been taking my loan payment of {$1400.00} since XXXX of XXXX and I have never received any credit for on time payments on my credit report. This is not fair considering they hit your credit when you apply for the lease/loan. This may not seem like a big deal, but it makes a huge impact when you are trying to get loans or credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically:15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy. 15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization. 15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ). 15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate. Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/scrub>XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : NONE Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.
Product: Vehicle loan or lease

Hello my mother passed away and I had a XXXX XXXX  and is in the hospital but they are transferring me to the behavioral health unit where I won't have a phone or anything to the outside world. I don't know how long I'm going to be in here I am asking for help with my car note for about two months give me until XXXX so I can get the help I need and go back to work my mother use to help me with my bills I'm in college so I was only working part time I don't have any income coming in at this time I call this company basically begging for help and the rude girl didn't even acknowledge that my mother was dead. I have never had any problems before and this is why I am writing company I spoke to XXXX and she said I needed to make a payment i advise her I can't pay I don't have money this company is very insensitive and not understanding at all this is one of the reasons I'm in the hospital stressing I'm stressing over my car
Product: Debt collection

i worked for a the XXXX and was under a contract for a term or 8 months where i worked XXXX, XXXX. On my final month out, i was routed back to my home XXXX in XXXX and was neither given a reason why nor a return day to work. i contacted my dispatch the following day and was given no return day. This took place in the last week of XXXX XXXX i applied and currently work locally in XXXX and was not contacted by the company until 2015 where i received a letter that they would like me to return to work for them. i do not wish to return to work for a company that decided to abandon its employee nor do i have the luxury to abandon my current post just to serve a couple days that i would have finished back then. they wrongfully and with no good reason sent me home and are now trying to charge with a ridiculous amount of money for training they never did. i served my time and made them plenty of money. i wish for them to remove whatever debt they claim i owe
Product: Checking or savings account

I have had accounts with this bank since 2015. All this time I have had online access to my accounts with no problems. Now Capital One has added an additional security feature that I can not comply with. Because I can not comply with its new system Capital One has blocked my online access.

I have pointed out to the bank that it can not impose a requirement on me that it did not have when I opened the accounts. Such an act is a breach of contract as well as a breach of the depositors ' agreement in effect when I opened the accounts. 

Please prevail on this bank to restore my online privelages.
Product: Student loan

I am a XXXX yr old military spouse living overseas. I work for a credit union and teach college part time. I 'm educated, and proud of my education, but have a huge issue with my final student loan ( I 've paid off 5 others ). The purpose of this email is to call out student loan companies and how they gouge students in the repayment process. Example, my student loan is through Great Lakes. The details are below. 
Original Loan amount : {$18000.00} Amount Paid : {$11000.00} Remaining Balance : {$20.00}, XXXX Those numbers might not mean a lot to you -- but when this loan was taken out in XX/XX/XXXX and it 's now XX/XX/XXXX -- it 's more than disheartening and sickening on how much I 've paid vs. how much is still owed. While my husband and I do ok for ourselves, imagine the younger generation being stuck with a loan such as this after years and years of repayment. Yes, I went into deferment twice, yes I delayed once -- but have been paying solid for several years. You can see that just by the amount that has been paid back. It makes me ILL knowing they are allowed to do this and my balance is not even XXXX penny lower than when I took out the loan now nearly 11 years ago. If anyone needs I would be MORE THAN happy to provide statements for the past several years. 
I 'm not asking for a hand out, I will pay my debts. If I do n't pay -- I 'm at fault. When I 've paid that much toward this loan that only rises ... it 's simply not fair. Imagine if car companies, credit card companies, home lenders were allowed to do this..but for my student loan it 's ok?? 

Thank you for your time,
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attachment for my direct deposit check stub from XXXX XXXX XXXX XXXX XXXX. Be advised all of my creditors was payroll deducted. Wage earner was {$130.00} a week. Health care was payroll deducted, flexiable spending. Please notice my net year to date at the end of the year was only {$330.00}. My gross at the end of the year/year to date was only {$650.00}. Yet I made {$20.00} an hour end of the year of XX/XX/XXXX. And you tell me my identity was n't taken as a human being. This company was taking everything from me. Taxes was n't being reported to the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I Have hard inquiries on my credit report that I do not recognize in I sent and disputes and no responses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me