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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}, XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00}, DEPT OF COMMERCE XXXX XXXX Balance : {$18000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I filed disputes with each credit agency ( XXXX, Experian and XXXX ) regarding the student loan balance with XXXX 
My XXXX loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.
Product: Credit card or prepaid card

I received a debit card from USBankreliacard. I understand this card is issued to provide unemployment benefits. I did NOT apply for unemployment benefits. Someone has used my identity to get unemployment benefits. I have tried to contact USBankReliacard to deactivate this card and I have been unable to talk with them. I understand this is a fraud situation and I would like to have some reasonable assistance in correcting this obvious government problem and how they distribute unemployment monies. Why would the government have a contract with a bank-in this case USBank who takes no responsibility for the products that have their name on it??? and why would the federal unemployment department set up a program that can be so easily compromised. 
I want some help to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account which belongs to XXXX XXXX child support services with Equifax Credit reporting Agency and they claim they had verified the info i had called them previously regarding this and they did not do anything about it I had called XXXX XXXX and they told me it should fall of my report asap but its been almost 4 months since my case was transferred over to XXXX XXXX child support services. so now it says i owe money to XXXX XXXX which is XXXX and owe money to XXXX XXXX around XXXX
Product: Credit reporting or other personal consumer reports

Experien have late payments and charges off on my credit report 15 usc 1681 I have the rights to privacy I would like all late payments and charge off delete it form my credit report.
Product: Debt collection

USAA Reroutes me to Collections blocking my access with my current account for a very old debt that was discharged VISA XXXX XX/XX/2013 Statute of Limitations in Florida State I live is 4 years USAA HAS NO RIGHT TO COLLECT THIS DEBT They are not above the law And they have no right blocking my current account to collect this 7 year old DISCHARGED DEBT This is done in retaliation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in doucmentation to remove the fraud alert and security freeze off my report Equifax refused to remove the fraud alert and security freeze I am being denied credit because of this
Product: Credit reporting or other personal consumer reports

These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from my credit reports. 
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
Product: Mortgage

We spoke with Pennymac about mortgage rates and got a quote that sounded better than the one we had and were working on ( in the application process ). <P/>The first thing the guy wanted was our credit card for the appraisal. We did n't even have an application or Loan Estimate from them. But he said this was required before other steps could proceed. We gave him our credit card info. <P/>It was days before we got any other information from him, and we decided not to go with him because we had an uncomfortable feeling dealing with him. The Good Faith Estimate had fees that had jumped way above what he had quoted us. When we next spoke to him, he did n't speak in specifics but more in vague generalities and this put us off. On the evening of XX/XX/XXXX, our real estate agent emailed us saying he was unaware that we had swapped lenders. We told him that we did not change our lender. Although the Pennymac guy had sent us links to his application but we did n't sign it. Because of our deep discomfort with this guy, we did not commit to using Pennymac. A few days later, he called to ask what was up. We told him that we were going with another lender. At the end of this conversation, he said something about our calling to stop the appraisal - or something like this. The gist was that we had to do something in order to stop an expense to us. My wife 's recollection is that he had said that he would pull it, or void it or cancel it. Before I could ask more about it, he ended the call. <P/>On XXXX XXXX, 2017, we got an email referring us to a website from which we could download the " Property Valuation ''. This was a big surprise. The next morning, I checked the credit card and saw the Reservation of {$450.00} made on XX/XX/XXXX, but had not been " collected ''. We did not follow the link to the website to the point of accessing the " Property Valuation '', as this might have " accepted '' the service that we had n't pursued. <P/>My wife is very upset about this transaction. She ca n't understand how a bank would proceed with charging us for an expense without a signed application. She is only grateful that we backed out of dealing with this guy.
Product: Student loan

To Whom it May Concern, I'm XXXX and waiting for XXXX XXXX  XXXX, I have a hearing on XX/XX/XXXX. XXXX XXXX has been denying requests for payment arrangements. I have XXXX XXXX XXXX XXXXXXXX. I am immunocompromised, and had been working 10-15 hours a week just to survive, to not lose my home. 

My federal student loans have been forgiven because of my XXXX. 

Ive contacted UAS since XXXX, I submitted information multiple times and each time I was told that I did not submit the information required for a payment plan. They have denied all forbearance and one account is a {$370.00} a month. I don't even make that in two weeks. Last month I had to make a payment on a credit card and this month I'll have to do the same, otherwise they will report my credit and lower my credit score significantly. 

XXXX XXXX has been showing predatory loan practices with me for years now. My original student loan balance was {$25000.00} and it is now at {$40000.00}. I graduated from university XXXX of XXXX and was diagnosed in XXXX and XXXX of XXXX. While waiting for XXXX they have been stacking interest and fees that will make it impossible for me to pay back. 

My home is all I have left and I guess they have the loan secured by my home, which I never authorized. I really need help. I currently can't even use my right hand, as I developed XXXX XXXX XXXX over the holidays. 

In short, XXXX has been delaying a payment plan and it is forcing me to pay and amount that is over 50 % of my income and they are actively ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

Im getting calls at my work for a debt that supposedly my wife has. We already paid any debts through a debt consolidation company and have confirmed that the debt is taken care of. However this callers is informing me without confirmation or collecting any info and is calling daily even after I told him not to call my job both my wife and I have never used my jobs number for anything. The caller is telling us that the client is willing to settle the collecting with a payment {$400.00} and we have to act in the next three hours. I told him that he needed to call my wife and he said he already did and that he was going to tell the client that they needed to go ahead and do aggressive measures. The next day he said that he didnt say that and that we could make the payment.
Product: Mortgage

Specialized Loan Servicing received my loan payment check in XXXX, 2020 but never applied it to my loan. At first they told me that they did apply the payment to my loan stating that it was applied to " principal only '' but more recently they are now telling me that they never applied my payment to my loan at all. The company is now charging me late payment fees when the company received my payment in advance back in XXXX, 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX Payment amount : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my Equifax states I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits
Product: Money transfers

A woman in XXXX XXXX advertised a house for rent in XXXX XXXX. 
I responded, wanting to rent for the month of XXXX 2016. Her " husband '' handled the initial exchanges, including a contract, certificate of ownership, etc. I filled out an online application. It was all done online. 
After I sent the {$1000.00} security deposit he requested, his wife texted me saying he had died XXXX. She wanted the rest of the payment - {$1500.00}. 
At this point I realized I was in deep trouble, so I refused. I got to MoneyGram Inc only 1 hour before she picked up the {$1000.00} and blocked it. I now have my money back but do not want this woman to scam another person. Thank you.
Product: Credit card

I received a credit alert from XXXX XXXX ( XXXX ) that I had been reported twice ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) for a delinquent account by Macy 's. After speaking with Macy 's customer service ( XXXX/XXXX/2016 ), I was told they had not reported me. I believe this relates to a previous account that was closed due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed on an auto loan for with my daughter but when it came time for the payment my daughter never received the bill. It was sent to my house under her name so i didn't open it. I never received a bill either so the payment was not made.When it became time that it would be 30 days late no one knew about it and my daughter or i never received notice. Not in the mail or a phone call. A 30 day late payment was put on my credit report because of this error on their parts about our mailing addresses to no fault of ours or mine. If I would've known it was due i would've either had my daughter pay it or paid it myself. I have tried to get it removed with the company due to their mistake but not had success. Please help as i am unable to get the interest rate i deserve because of this. Thanks
Product: Credit card or prepaid card

I received a letter online that I'm sure is not really from Chase. There is a link in the email to click on ( which I didn't ) and it says it will explain the issue further. I logged into my account through the normal portal and there was no issue with my account. They are pfishing for people 's information and it makes me so mad!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would constantly get pre approved credit offers and guarantees bring approved and always running my credit which lowered my score and never gotten approved for anything more times than know
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with Navient with the original balance in XX/XX/XXXX showing as XXXX. I received a letter that same date from XXXX, XXXX, and XXXX stating that they would be drafting {$60.00} from my account to begin repayment on this debt and were assuming the debt from Navient. From XX/XX/XXXX till XXXX of XXXX I consistently paid to the aforementioned debtor in an effort to satisfy this debt. I later found out that this payment was not being credited towards the loan from Navient and Navient stated they showed no record of having sent this loan to an outside party. During this time, I received several late payment reporting on my credit report which significantly impacted my ratings. Additionally, my credit report currently shows a past due charged off balance of {$3700.00} and the account is closed and has reopened with a new account balance of {$9200.00}. I would request that the late payment history be removed from any existing opened and closed reported accounts associated with Navient and that the account be updated to reflect a current payment status with no past due/charge off balances.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was notified by Cashapp Visa debit that a purchase in the amount of XXXX was made with XXXX XXXX at XXXX. At XXXX I immediately went on the Cashapp app and submitted that the purchase was not made by me and it was a fraudulent transaction. I also submitted that the card was stolen and used for the purchase with XXXX XXXX. At XXXX I called XXXX merchant services and had the card cancelled so that no other purchases were made. I then contacted XXXX XXXX and notified them that my card was used to make a purchase and that I did not authorize the charge. XXXX XXXX was very helpful and immediately cancelled the pending purchase and told me it would take between two to three business days to refund the money back to my Cashapp Visa debit card. To this day I still have not received my money back nor is Cashapp doing anything to put the refunded money back into my account.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 30-day 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  XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX NA Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous complaint regarding the failure of my credit bureau remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of the Credit Bureau may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.. I am a victim of the XXXX XXXX breach i have submitted documents to show some of the damages I am currently facing and there's more so I request 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Debt collection

Equifax Credit Reporting Agency has a collection on my credit report stating {$1300.00} is still owed from a collection debt. However, this debt has been paid, settled and resolved yet Equifax is still reporting that a collection debt is owed.