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

Apon reviewing my consumer report from Equifax consumer reporting agency I noticed there was a Inquiry from a unknown & uwarranted company... I didn't recognize nor request for the C.R.A to place this inquiry on my consumer report. Equifax was not given permission written or verbally from me to place this derogatory Inquiry on consumer report. This inquiry is not attached to any open account and should be deleted immediately .Equifax policy doesn't supercede federal law and my federal protected rights are being violated. This is my second attempt to address this concern.
Product: Student loan

1.I have never had STUDENT LOANS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) Any STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report that is not correct. There are several inquiries on my report that I did not authorize and should be immediately deleted. 

XXXX XXXX XXXX Line of Credit - Bank XX/XX/XXXX XXXXXXXX DEPT OF ED  Miscellaneous Government XX/XX/XXXX XXXX DEPT OF ED Miscellaneous Government XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX refused to accept my paycheck stubs for the month of XXXX when i was told just to call back and they would accept them and move forward with the process of keeping my home! my husband and i did everything they ask of us and when it was time to submit the new paycheck stubs they closed my case a month before I stated I would have them! I they lied to me! They also denied us of all loan forgiveness programs because of where we work, how much money we make, and my lack of understanding the process! They acted as if they were tired of me calling and she didn't care about me having children or my husband and i going through an hardship! I feel as though she didn't care because she assumed I was XXXX and lack the funds to keep up! This company is horrible. I was just meet with emotionless humans! I was turned done for loan forgiveness because I was XXXX and have children and my husband didn't have enough money at the time to pay there unreasonable " Payment plan ''! by me believing solely in XXXX and XXXX as my provider and seeing me through this, that wasn't good enough for them! they only cared about collecting there funds!
Product: Checking or savings account

I had a Wells Fargo account in college XXXX. The account was set to not let me purchase something if I didnt have funds in my checking account. I had plenty in my savings but would need to manually transfer to my checking account. Wells Fargo still charged me overdraft fees- many times, even though I was not supposed to be able to overdraft.
Product: Debt collection

I received a phone call from ERC, or Enhanced Recovery Company on XX/XX/2021. I didn't speak to them and hung up, found out they were a debt collector by XXXX their phone number, made a debt validation letter and sent it to them via certified mail. I didn't receive a validation letter with paperwork about the debt until XX/XX/2021. They were supposed to send me a debt validation letter within 5 days and they did not. This debt collection needs to stopped and deleted. I have attached additional information.
Product: Mortgage

I paid off my 5.5 % interest mortgage in XX/XX/XXXX with Bank of America. I never received a final reconciliation report so I called on XXXX XXXX and was told that the lien release would be sent shortly and that I would get a {$60.00} refund. I did get the lien release notice a couple of weeks later but have not received the reconciliation report or the {$60.00} refund. Sounds like B of A is up to their old tricks again.
Product: Credit reporting or other personal consumer reports

The following information is fraudulent and doesn't belong to me. 
I demand immediate removal and blocks from these accounts and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Product: Checking or savings account

I opened a bank account with everbank in late XXXX, ive been trying to gain access to the account since XXXX, and ive been calling repeatedly since XXXX. They kept saying they will call back. Today, XX/XX/year>, i called again and they stated the account closed and they issued a check in XXXX and notified me. I had deposited money in XXXX, not knowing the account had been closed, and had a total of XXXXXXXX XXXX deposited into the account. They said they will not reissue a check to me since i never received one, and kept stating they informed me the account was closing in XXXX, never got a call, letter, or email stating it. I only got letters and emails stating i had bank statements available on their website which i wasnt allowed to gain access to due to changing my phone number.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 a letter was sent to transunion advising there was incorrect information reporting to my credit about a few collection accounts and asked them to provide details on their method of verifying the debt that is being reported.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY REPORT BACK ON XXXX, XXXX XXXX AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCIES PREPARE A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT THE REPORT RELATES. 

I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS LISTED BELOW BECAUSE ( XXXX  XXXX OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( XXXX XXXXXXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE I GOT THE INVESTIGATION BACK NOTHING WAS MODIFIED OR UPDATED SO I REQUESTED A DESCRIPTION OF THE RE INVESTIGATION THEY DO NOT PROVIDE IT TO ME WHICH IS A VIOLATION OF 15 USC 1681i7 they are violated 15 usc 1681i ( 5 ) can you look in to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with EDFINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and EDFINANCIAL SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated that They verified a fraudulent account. This is illegal and I have supplied a Legal Affidavidt requestion A method of verification. See documents attached to this.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX. I added a XXXX $ gap insurance policy from XXXX with 72 month financing with TD Bank. When I tried to get a refund for the policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, told me that they sent a check to XXXX XXXX XXXX for the refund. 

I contacted XXXX XXXX XXXX several times about a refund before being given an answer. Today I talked with XXXX XXXX at XXXX XXXX XXXX and she said " I think I sent the check to you in the mail, let me check '' then came back and said " TD auto finance should issue you a refund, they charge us for gap insurance ''. 

So I called T.D. auto finance and talked with someone who explained that the gap insurance is part of the payoff amount. I have not been shown any record of the gap insurance being credited to my account and the amount financed at XXXX XXXX XXXX included the gap insurance as part of the amount finance. 

Further, I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX and also financed with T.D. Auto. I purchased a XXXX $ gap insurance policy for the XXXX XXXX and financed XXXX XXXX I've made one payment of XXXX XXXX On my online T.D auto account the payoff quote I'm given for the XXXX XXXX is XXXX XXXX This obviously does not include a XXXX $ gap insurance credit like they are claiming my XXXX XXXX account did. 

What I've gathered from talking to these three companies is that I paid XXXX XXXX XXXX XXXX $ for gap insurance that is refundable but that refund goes directly to XXXX XXXX XXXX. My account was supposedly credited XXXX $ for the unused policy in my payoff quote, but there is not a tangible record of that happening and seemingly the only entity receiving a refund for the gap insurance is XXXX XXXX XXXX. Had I known that the gap insurance policy wasn't actually refundable to me I would not have purchased it in the first place on either of these vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rediscovered 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 Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting on my credit report. all data listed is illegal an reported incorrectly. this has been an ongoing issue that needs to be resolved. ive listed all items In question to be removed. please review an delete all information listed to correct my credit report asap.
Product: Credit reporting or other personal consumer reports

Letter to : XXXX and XXXX I am writing to express my frustration with the inefficiencies in your credit freeze system. After successfully creating an account and freezing my credit, I attempted to log in again only to find that my credentials were not recognized. This is unacceptable for a service that is supposed to protect my financial security. 

Furthermore, the phone number published on your website is entirely unhelpful for resolving this issue. Instead of reaching a human representative, I am forced to interact with an AI bot that is insufficiently programmed to handle my request to unfreeze my credit. This lack of direct, human customer support is both frustrating and alarming. 

My request is simple : unfreeze my credit immediately. I demand to be restored to the position I was in before attempting to use your service. I would rather risk exposure than continue to be manipulated by a system that leaves me helpless and unable to access my own financial information.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX  kept sending me offers for loans which was then transferred to Net Credit. The representative with Net Credit advised me that the cash advance would only be a one time fee of {$300.00}. Since then I have made 3 payments and of {$230.00} twice a month and half goes towards fees. I feel like this is predatory lending. I feel de wives by XXXX bank.
Product: Student loan

I was charged interest on loans when I was under XXXX XXXX Bankruptcy protection filed in XXXX. DEPT OF ED / XXXX All balances from today 's report XX/XX/XXXX : XXXX. ) XXXX {$5900.00} High balance of {$4200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$11000.00} High balance of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5800.00} High balance of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5700.00} XXXX XXXX of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$1100.00} High balance of {$750.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$3900.00} High balance of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$610.00} High balance of {$2600.00} from XX/XX/XXXX to XX/XX/XXXX These accounts now have over $ XXXX in interest that has been added after I filed for XXXX XXXX protection in XXXX which STOPS and doesn't allow interest accrual. 

US Department of Ed transferred loan servicing to NELNET in XXXX.
Product: Debt collection

The company called me at XXXX XXXX on XX/XX/22. This is well after hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion ha d two glitc hes in their system where inquiries were removed from the credit report betwee n  XX/XX/XXXX  and  XX/XX/XXXX  and again in  XX/XX/XXXX  . They did not notify me about adding them back onto my credit report within 5 days which is required by The FCRA rules. I called and requested to speak to United States Representative and I spoke to  XXXX  who claims to be a supervisor in special handling. They have been known to say that consumers were not affected by the glitches and that is exactly what she told me. I know that I was affected by the glitches in the system and there are inquiries on my credit report that should not be there.
Product: Credit reporting or other personal consumer reports

You are now out of the time frame to " update '' or fix the account this is a deman of deletion. 
If I am misadvised or the laws that I attached aren't withholding please using other laws explain to me how XXXX  is still appearing on your report after : I showed the company ignoring me and immediately closing out my complaints ( see attached ) I showed you where the supervisor said he will personally look into the case and get back with me and as of XX/XX/year> up until today I got XXXX response ( see attached ) I even showed you guys proof of my new agreement due to disaster a deferment was set up allowing me to change my due date you guys said you validated and updated the account but ( see attached ) as of XX/XX/year> this account hasn't been updated I went over every single violation and found I'm also due monetary relief correct? I demand accountability and the removal of this account immediately. ( see attached list of laws )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( Transunion, XXXX, XXXX ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage through XXXX XXXX and they said my report included my dads credit cards and mortgage. I dont own any property and have no XXXX or XXXX credit card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} These 2 companies have fraudulent collection accounts on my XXXX XXXX experian and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature
Product: Credit card

On XX/XX/2023 I booked a hotel for a stay on XX/XX/XXXX through XXXX using my Citi Card ending in XXXX for {$160.00}. I tried to cancel the reservation with XXXX within the allowed time for a full refund which is before XX/XX/XXXX and no response was provided by XXXXThis notice was sent on XX/XX/XXXX through email. I then tried calling XXXX and resolving and they could not find a record of this and then would not refund. 
On XX/XX/XXXX I submitted a claim to Citi to dispute this charge based on the above information. 
On XX/XX/XXXX Citi resolved the dispute in favor of XXXX based on information provided by XXXX not acknowledging that I tried to cancel before, only stating I called asked to refund after the cancellation date. 
I did not stay at the hotel, and tried cancelling before the XX/XX/XXXX date and was not able.
Product: Credit reporting or other personal consumer reports

I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my XXXX XXXX account. Despite submitting an official police report, FTC Identity Theft report, and contacting your fraud department multiple times, you have failed to adequately investigate or validate {$310.00} in charges made without my authorization. 
Not only have you reported inaccurate, unverified information to credit bureaus, harming my creditworthiness, but XXXX continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring your urgent attention. 
Your simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 
I am officially demanding complete statements itemizing all account charges and expect XXXX to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 
I have already suffered serious financial and emotional harm due to XXXX mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions.