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

I would like to file a complaint with XXXX XXXX, XXXX, and Equifax credit burues. I have sent them now the 5th dispute letter todayXX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of 2019 - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XXXX19 in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.
Product: Debt collection

On  XXXX  I sent a written certified receipt lett er to JH Portfolio Debt Entity req uesting validation of this account showing my signature. They received this on  XXXX   XXXX ,  2017 , I received no response as of today. On  XXXX , I again sent a second written certified receipt letter to  JH Portfolio Debt Entity re questing validation of this account showing my signature. I received no response as of  XXXX . This account is now switched to closed account derogatory on some credit reports, without any validation from their end. It has been 45 days since they received my first correspondence.     Amount :  XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, Experian XXXX Bank XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXXXXXX  XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian XXXX XXXX Co XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank XXXX, XXXX The Bank XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged COVID-19 sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Equifax failed to maintain reasonable procedures to ensure the accuracy and validity of the information they are reporting on my credit report regarding four accounts related to XXXX  account numbers all beginning in XXXX.I submitted a dispute because the information reported is invalid and inaccurate. Equifax confirmed this information. I submitted formal request for method of verification to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation and it was received ( I have confirmation receipt which can be submitted ) on XX/XX/18. In compliance with the FCRA, this information should have been provided to me within 15 days and it has not been produced. Further, during this time, the accounts were indeed removed from my credit report and have since been re-inserted. I received no notification of the re-insertion of negative information as per my legal rights. These inaccuracies are hurting my ability to obtain housing.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Product: Credit reporting or other personal consumer reports

My student loans were discharged by the IRS via 1099-C, I have received copy B for debtor stating that I received this form because a Federal Government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. As a result, these loans should no longer be reflected on my credit report, as they are no longer applicable to my financial obligations. However, upon reviewing my credit report, I discovered that these discharged student loans are still listed, which is adversely affecting my credit score.

I have attached documentation supporting the discharge of these loans. I request that the inaccurate reporting of these loans be promptly removed from my credit report to ensure its accuracy and fairness.

I would like to highlight that this erroneous reporting also constitutes a violation of The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ). Enacted in 1974, FERPA is a federal law designed to protect the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. As such, the inaccurate reporting of my discharged student loans violates my rights under FERPA, and I expect that appropriate actions will be taken to address this violation.
Product: Student loan

I have been working full time with a PSLF-qualified employer and making qualifying payments since XX/XX/XXXX. When my loans were from transferred to XXXX, XXXX did not count all of the qualifying payments. A request to review my case was submitted by a fedloan representative XX/XX/XXXX, but my case has not been reviewed. Additionally, through the XXXX website, I am unable to access past PSLF employer certification forms I submitted and I can not access information on payments that were made during the year XXXX.
Product: Debt collection

After reviewing my credit profile on XX/XX/2024 I identified a discrepancy with the account listed under Caine and Weiner and validation was requested as this is an account that I did not recognize. The credit even called me for payment where I then requested validation it wasn't given. I reviewed my credit report again on XX/XX/2024 and the account continues to be reflected on my credit report and sent a letter to the company offically requesting proof. I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/XXXXXX/XX/year> there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Product: Credit card

I called Bank of America to cancel XXXX ( XXXX ) credit cards with XXXX balances and I was continuously transferred for 20+ minutes before someone actually canceled my cards. They try to transfer costumers over and over again in hopes that they hang up. I 'm 99 % sure that Bank of America might be the worst organization in the world.
Product: Checking or savings account

I deposited my check into Wells Fargos atm machine on XX/XX/year> and the machine committed fraud in XX/XX/year> and scammed my check for more than it was written for, their machine also did not provide an option to edit or cancel only confirm then spit me a receipt. Ive been calling it the bank since and got ahold of 2 representatives who both said Wells Fargo can do nothing about it. One escalation supervisor out on XXXX by the name of XXXX then abruptly disconnected the call to avoid the call and giving explanations. 
Wells Fargo was also stolen well over {$200.00} from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the following information of my file which are addresses and name variations. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX N. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Delete following name variations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX and is how it has to be on my credit file. I have one name not three names.
Product: Prepaid card

I have eight " Gift Card '' debit VISA cards that I purchase a few years ago. They were in a file cabinet drawer. I forgot they were there and found them yesterday. They were issued by U.S. Bank National Association. When I went to check the balance of them all but one were not accessible. The number and pin had be hacked and used by someone else. One was still accessible and had a {$100.00} balance which I promptly used to reload an XXXX card I have. I have had this problem before and it is a nightmare trying to get the money back. It's made worse due to the passing of time and credit card bills stored away from home with our tax returns. If it was an easy process I would due it. They make it very difficult and time consuming.
Product: Mortgage

I have tried to resolve my delinquency with Chase since the contract to sell my house fell through over a year ago. Once the contrast on my home fell through in XXXX of XXXX. I was told that because of my change of circumstances, I could apply for mortgage assistance again, and I would be evaluated for a modification so that I could keep my home. I applied and followed the steps exactly as told. My application was denied for a modification in XX/XX/XXXX. However, I was offered a short sale or deed in lieu option. I appealed the denial decision, requesting Chase to take an additional look at revising my mortgage. However, the appeal was denied, and I was told the only option now was to liquidate. I finally came to terms with selling my home again. I obtained a purchase contract on my house on XX/XX/XXXX. However, Chase immediately set a foreclosure sale date for XX/XX/XXXX. I have requested a postponement of the sale date because we will go to settlement on XX/XX/XXXX. I need XXXX more days to complete the sale of my home. I escalated this matter to Chase and was told they would not grant the postponement and gave no reason. I believe I am being taken advantage of and being stripped of my equity. If postponement is granted, I could pay Chase off in full and make a profit. Which I desperately need.

I firmly believe Chase has been misleading, and Chase is not looking out for the customer as they state they claim they are attempting to. I believe I am being discriminated against because of my age as commitments have been made about my age and what I should do with my home. I also believe Chase has violated the law that prevents Dual Tracking. Chase provided me with alternative options other than foreclosure and did not allow me the time to explore those options before setting and attempting to force a foreclosure sale.

Please help me ; I am a minority senior citizen who is being taken advantage of. Please help, me to get my sale date postponed, so I can sell my property and leave with some dignity, please!
Product: Credit card or prepaid card

I was in a locked down XXXX XXXX  from XX/XX/XXXX to XX/XX/2022. I have proof of this and IT WAS SENT to Direct Express. Between those dates my card was completely drained of all money. I have proven beyond any doubt that I could not have made any purchases nor did I give anyone permission to do so. They still haven't refunded my money. I have been left XXXX due to this issue. I am considering seeking an attorney.
Product: Credit reporting or other personal consumer reports

Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this XXXX wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Also one late payment was removed last year and now I have two late payments on my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXx has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX XXXX XXXX has violated my rights and section 15 USC 166B
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, EQUIFAX AND XXXX Credit reports. In XX/XX/XXXX EQUIFAX Reopened my XXXX Accounts and added an Fraudulent account with XXXX OF XXXX For the same amount as the fraudulent XXXX Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information on this, and the company went ahead without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry Portfolio Services is reporting a collection account to all 3 credit companies in the amount of {$650.00} this account is not mine I have been disputing this for a long time account dated XX/XX/2012 ... I need written confirmation that this is my account. 

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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SEction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX Original creditor : XXXX Balance {$920.00} XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I started with Lexington Law in XXXX to get my credit repair and I paid them for 2 years and my credit was never repair so I cancel them after that.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I have made several attempts to have my account with Ally Financial, which is 6 years old reflect as closed with both Ally and with the reporting agencies to no avail I was not able to do so and was told by Ally that they can not /will not send any documentation reflecting the status of the account. Then as recent as XX/XX/2020, two years after it was last reported to the credit agencies, it was again as a negative. It would greatly appreciated if you can please review my issue to see if you can help resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did an unauthorized credit check on my TransUnion report. This Account XXXX XXXX is unrecognized by me. It's fraud, I don't have no account or did any online credit application. 

This matter needs to be addressed right away.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX