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

PLEASE SEE THE ATTACHED DOCUMENTATION FOR THIS MATTER. THE ACCOUNTS LISTED IN THE DOCUMENTATION ARE EXPECTED TO BE PERMANENTLY DELETED WITH NO FURTHER OBLIGATION OR ACTION. THESE AGENCIES HAVE COMMITTED FRAUD BY REPORTING INACCURATING INFORMATION TO MY CREDIT PROFILE AND DAMAGING MY REPUTATION AS A CONSUMER. IN THE NEAR FUTURE I PLAN TO PROCEED WITH THE LITIGATION PROCESS ALREADY IN PLACE IN ORDER TO ENSURE AND ENFORCE ACCURATE CREDIT REPORTING FOR ALL CONSUMERS.

ALSO ... ..I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE HARD INQUIRIES THAT I HAVE NOT AUTHORIZED WITH ANY AGENCY. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION.

THE FOLLOWING HARD INQUIRIES ARE UNAUTHORIZED : XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX A Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date I WILL FOLLOW UP WITH EACH AGENCY TO ENSURE THAT THIS MATTER IS TAKEN CARE OF WITHIN 4 BUSINESS DAYS.
Product: Student loan

Dear CFPB, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments, XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, also XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX ( did not qualify on my subsidized loan but did count on my unsub loan ) and they, FedLoan Servicing never responded. 

I have never made late payments, yet it says I have 73 ineligible payments. If some count, they all should. I believe this error is because the loans have been sold/moved to different companies along the way. Initially, I was with a previous loan servicer, and now FedLoan Servicing. I am at a loss of what to do. They keep giving me the run-around and according to my calculations of payments I should have been done making payments toward PSLF. I have been an educator for 12 years with PSLF being my ultimate goal. This, what seems to be a never-ending run around for the last two plus years, has taken a toll on me mentally and made it impossible to take different steps towards my future and has brought unnecessary stress to my family.

This has caused I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXXXXXX DBA XXXX  ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX DBA XXXX XXXX ) is not reporting on any other credit report besides Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from XXXX  XXXX on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : Bad Checks, Collections, and Charge-offs I should have none of this reporting as I do not have any of those circumstances and they should not be shared.
Product: Credit reporting or other personal consumer reports

I have been trying to receive the accurate consumer reports with the correct and reflected information since XX/XX/XXXX of 2023. 
I have written and expressed my concerns. The consumer reporting agencies are damaging my right to a fair and accurate report. I have requested that the unauthorized transactions inquiries be deleted. These car have had enough time to obtain the the verification and the proof where I allowed them to report any and all late payments and adding charge offs when theres no late payments. 

I am in need of ALL the accounts to be updated to show as PAID IN FULL/ PAID ON TIME/ and Never late. 
I do not need any credit blanches to be reported as I do not consent to negative reporting. I have requested that the agencies KEEP all my accounts that are on the file as all payments made on time and I need all the payment history to remain on the reports as I need it for my credit files as I had a XXXX before and I was NEVER LATE and No collections as they do not have a a contract and all the consumer reporting agencies are in violation of the law as they have assumed a role that they have no right to. I am also having trouble logging into the app as they have not updated my information and followed the 30 day rule and they are not reporting all my auto loans as PAID in FULL and NEVER LATE. I never missed any payments and the credit card accounts are to be corrected and updated as PAID as Agreed and on time and I need the history to remain on the reports for the months that the account was opened till now if they are reporting it must be as I say and that is to be all current and no negative items. 

I also have marks and items that they are violating the law and each mark is XXXX where do I go to collect those fees for violating my rights and the inaccurate and damaging marks causing me harm. 

Violations Collections 15 usc 1692 Charge offs 15 usc 1601 late payments 15 usc 1666b Hard inquiries 15 usc 1602p I have attached the reports that need to be updated within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters and submitted complaints, the Credit reporting agencies have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting erroneous information on my Credit File that resulted from the Identity Theft. It has been drawn out into the open that the Credit Reporting Agencies are not blocking files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are reporting erroneously because of fraud, I will hand my records over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate action so if it's not too much trouble, comply with the law. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXX XXXX XXXX : {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Consumer Report Dear ChexSystems, I am writing to formally dispute certain items on my consumer report as provided by ChexSystems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Under 15 USC 1681 ( a ) ( 2 ), " consumer reports '' are defined to exclude reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. As ChexSystems did not establish a direct consumer relationship with me, the aforementioned events constitute private transactions and experiences solely between myself and my banking institutions. Therefore, these should not be reported by ChexSystems. Additionally, the financial institutions sharing this information with Chex Systems are non-affiliated third parties, and according to the FCRA, sharing consumers ' nonpublic personal information with such entities requires explicit authorization. I did not provide written authorization for the sharing of my banking records and history with ChexSystems, nor did I receive any prior notification regarding such disclosure. Furthermore, as per 15 USC 1681 ( d ), any consumer reporting agency must disclose to the consumer in writing the creation of an investigative consumer report. I have not received any such disclosure from ChexSystems concerning the creation of a report detailing my banking history and related transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION/CHARGE-OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSED. 
COLLECTIONS IS A CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMIT NO PAST DUE AND NO PAYMENT STATUS PER FCRA. INACCURATE DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED. ALL VIOLATIONS NEED REMOVING. 
1.XXXX  XXXX 2.XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX  Account # XXXX, 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

6 months ago I discovered that I was a victim of identity theft and therefore I disputed XXXX accounts with the XXXX major credit agencies. XXXX and XXXX did comply with my investigation however, experian has not. I am requesting that they comply with my demand under the fair credit reporting act. I have submitted a notarized affidavit, police report and my request to move these accounts.
Product: Mortgage

I refi last year with XXXX, at COE they stated on there title that the 2nd partial claim would be removed, closed escrow. Now tried to go back and lower rate and finding out that XXXX, which is underwriting by XXXX, is showing the 2nd is first position now putting us in a position of not being able to get any at shellpoint to help us out, the 2nd is also now showing in first position but title insured only shellpoint on the property in first position. This is causing us to have to possibly sell our property due to this huge error. 
Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX SOLD XXXX DEBT TO COLLECTORS TO WHOM VIOATED THE DOOD FRANK ACT .XXXX  EXPIRED AND STILL FALSELY REPORTING AS S UCH
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XX/XX/2023. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Payday loan, title loan, or personal loan

In XXXX of 2017 I received a disaster relief loan from XXXX XXXX XXXX XXXX. They advertised this loan as one that did not depend upon credit worthiness and had a low interest rate. I had problems from the beginning and based off of conversations with other consumers who received this same loan, their unfair treatment towards me was racially motivated and they were biased. Without my permission they pulled my credit and denied the loan initially. I had many a heated conversation with employees and finally managers about XXXX pulling my credit without my consent. A high level manager approved the loan and told me they would be removing the inquiry from my file immediately. That never happened. I am fighting now for two reasons. 1. They need to remove the illegal inquiry from my account immediately! The agreed to do so during the process last year, but have yet to do so. 2. They are in violation of the Fair Credit Reporting Act and other laws at this time. I became ill and unable to pay my bills for a few months. Instead of following the law, this evil disgusting vile company has been reporting inaccurately on my credit file making it impossible for me to obtain housing! I have tried relentlessly to work with them, even offering to pay all of what is owed or pay many bills in advance and put the rest on an automatic withdrawal system so I can get housing. They have refused. They are the ONLY company that has refused to work with me. This is a DISASTER RELIEF loan! My credit was not used to get me the loan. They can not legally report. Looking back, perhaps this was their plan all along. If people are in need of disaster relief perhaps they may fall behind and this was their illegal way of making sure it got paid. XXXX had no interest in helping people. They were interested in getting money! At any rate they only treat their customers of color in this manner and I want justice ... Immediately! Thank you.
Product: Student loan

I submitted my forgiveness application for PSLF to XXXX on XX/XX/XXXX. I received a denial on XX/XX/XXXX. 
XXXX had previously certified that I had 108 qualifying payments certified through XX/XX/XXXX. On my loan detail before I submitted my forgiveness application, my anticipated eligibility date was XX/XX/XXXX. 
Along with my forgiveness application, I submitted PSLF employer certification through XX/XX/XXXX, which would have brought my total number of qualifying payments to 121 total. 
I received a denial of PSLF forgiveness on XX/XX/XXXX. Although XXXX determined that my employment was qualifying and my payment plan was qualifying, they gave me credit for only 8 additional qualifying payments. My loan detail now shows 116 qualifying payments through the period of XX/XX/XXXX. 
XXXX offered no explanation of why my 4 or 5 other payments made between XX/XX/XXXX and XX/XX/XXXX failed to qualify. 
I was employed throughout the period by the same employer, working full time, and enrolled in autopay for my loan payments. 
I have now spoken to two XXXX supervisors who told me they can identify no basis for me being denied credit for all 13 payments I made between XX/XX/XXXX and XX/XX/XXXX. They have allegedly requested expedited processing from the PSLF reviewers but have told me there is nothing that can be done until the reviewers act. 
Last year XXXX failed to act on my employer certification to give me credit for the 108 qualifying payments until I filed a CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 A. states I have the right to privacy. ( Especially when theres been fraud and incorrect information concerning my account. ) 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My bank keeps taking out funds without my authorization. I know if it is below XXXX they will take out an administration fee plus a XXXX dollar paper fee. Then this is done on the XXXX of every month. I had XXXX put in over XXXX months ago, with miscellaneous illegal fees. It is with PNC bank. Could you please help me with this transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Prepaid card

Amex blocks merchants with no reason, told me to keep trying different merchants, the merchants I am trying to use the card on are blocked, even though they accept Amex. Amex told me to use XXXX, but i do not shop at XXXX. I should not be directed where I may use the card, my funds are basically being held XXXX
Product: Credit reporting

I have requested in XX/XX/XXXX/XX/XX/XXXX that permanent blocks be placed against certain creditors on my Experian Credit Report, due to the accounts being fraudulent, which has already been reported through FTC and police report to credit bureau. Not XXXX, but XXXX were recently added back on, and now I have been denied credit. Therefore, I am requesting that the creditors be permanently blocked on my credit report. Also, I want to a phone number to my fraud alert, and the company is not available by phone. ( Creditors are XXXX, and XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my father XXXX opened up a loan under Mariner Finance. I XXXX noticed that there was a Mariner Finance loan ( {$3200.00} ) that I never had. I contacted them in regards to it and spoke to my father. The company wouldnt answer the phone and tried their best to rush me off telling me your information is on it so its your loan. Once my mother went to the store they gave her a printed out copy of the check without having to show any sort of identification. They also informed her that it happens often here when she asked how could they mix up information. I disputed the account but Mariner Finance continues to state that its mine after I expressed to them that I never walked inside of a Mariner Finance and that my father told me that he indeed signed and cashed the check.
Product: Credit card or prepaid card

I transferred XXXX $ from my checking account to my charge card through the Bank of America app.on XX/XX/19 I received a text and email on XX/XX/19 from bofa stating that my payment had posted. On XX/XX/19 I received notice that my payment had been returned. I have already filed a complaint against them for closing my checking account and they returned the payment into that closed account and I have no access to the money and now they are reporting my payment as late. I transferred cash, payment was accepted and credited, bofa is ruining my credit and discriminating against me. All this is WRONG!!!