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

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 2 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX  XXXX XXXX
Product: Student loan

SallieMae student loan $ XXXX, paid monthly payment terms ahead of schedule ; but their disbursements to the school were late and the school kept informing us that payment wasn't received- then when we called Sallie Mae we continued to get the run around. In XX/XX/2018 called Sallie Mae to see what the issue was and the customer service rep named XXXX just kept putting me on hold for several minutes supposedly while she looked up the account but each time she would come back on the line to stall and say that she was looking something up.
Product: Debt collection

I have accounts on my credity report that do not belong to me and I believe they are identity theft related. I called companies, sent letters but they have not responded or removed these accounts from my credit report.
Product: Vehicle loan or lease

On or about XXXX XX/XX/XXXX I the customers filed for the SCRA claim for my XXXX XXXX XXXX XXXX XXXX with Santander consumer USA. This process to three weeks to get a semi resolutions only to get a XXXX cent return on the statement of the company stating that we only receive this since moving to Louisiana in XXXX but the life of the loan is from XXXX being renegotiated in XXXX for the remainder of the due to deferential of the loan for a year.
Product: Payday loan

I was investigating the possibility of obtaining a loan for home improvement through ( XXXX ) your site and after submitting an inquiry I received a rejection notice. It also appeared on my credit report. I was only looking for the possibility of obtaining a loan and did not request one. Can you assist me in removing it?
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 ( Fair Credit Reporting Act ) Consumer 's Right to Maximum Accuracy : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to maximum accuracy on their credit reports. This means that credit reporting agencies like TransUnion have a legal obligation to ensure that the information they report is accurate, complete, and up-to-date. 

Facts of the Complaint : On XX/XX/year>, TransUnion sent me a secure letter confirming that the disputed item " XXXX XXXX '' was immediately deleted from my consumer file. 
On XX/XX/year>, TransUnion informed me that " XXXX XXXX '' was back on my consumer file and claimed to have verified the account. 
Issue : TransUnion can't verify an account that was previously deleted. Their actions raise serious concerns about their compliance with the FCRA and commitment to maintaining accurate consumer credit reports. 

Consumer 's Rights Violated : TransUnion 's actions have violated my right to a fair and accurate credit report as guaranteed by the FCRA. The reappearance of a deleted account and the dubious claim of verification demonstrate a disregard for the accuracy and integrity of my credit information. 

My last name is popular. I am not the XXXX who owns these accounts, and just calling the data furnished to verify a common last name doesn't ensure accuracy and compliance with the FCRA. The CRA is guilty of what they do to the general public.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX - Account # XXXXXXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX - Account # XXXXXXXX XXXX  XXXX - Account # XXXXXXXX XXXX - XXXX XXXX- Account # XXXXXXXX XXXX - Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX XXXX XXXX- Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX HAS ALL 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.

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 that 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 any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX DOB XXXX SS XXXX I am looking into buying a new property.. I need the credit freeze removed from my credit file ASAP. I have attached my updated information and my current address Please lift my freeze for 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of permissible purpose, no authorization was every given for private source data to be shared with a third party.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 states that I have the right to privacy.

Additionally, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish information about my account without my written instructions. Which I have not given Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I got behind on payments to credit card companies which I called and notified and asked for hardship help... I had been paying on time for years and even the credit card companies agreed that I had done whatever I had to do to make My payments every month on time until XXXX day that just suddenly stopped. I had been in a bad carwreck and that same night My Fiance ' suffered a XXXX and had some sort of clot in His XXXX and XXXX. I notified the companies, some of which I was protected by in case of which something like this happened, and granted help. XXXX was XXXX of the companies that closed My account and I believe charged it off, and just this week I noticed My paycheck was short and checked My paystub online and saw where My paycheck was being garnished without Me knowing or being aware in any way and didn't even know by who until contacting My employer. It was being garnished by a company that took over My account from XXXX. I am low income, XXXX, and receive SSD and do not even know if They are garnishing those payments from SSD. Can some one please call and help Me or tell Me of some one that maybe can help? Thank You so much! My phonenumber is XXXX. I live in XXXX, XXXX XXXX You are welcome to call Me anytime. Thank You so so much! XXXX XXXX XXXX
Product: Checking or savings account

I got my account closed and informed nothing could be done. I made several calls but never given any reason or what i did that led to the closure. I do respect their decision and i have no problem with it. However, i got a mail saying that they might report me to XXXX XXXX and XXXX XXXX XXXX 
The day i got my account closed there happened to be a sudden deposit of XXXX $ and it could reflect on my balance. Then when i called the bank, they said they couldn't see such a transaction from XXXX. 
I wonder why i have to be a victim of all these while i never did anything. How i'm supposed to explain the sudden deposit and it's disapperance. The bank themaelves never gives any reason but keeps telling there nothing that can be done. 
What i'm supposed to do? Do i take responsibility for something i never did and i honestly have no explanation or any idea what happened? Do i take responsibility for something i never did? How i'm supposed to prove something i didn't do or something that i dont know?
Product: Checking or savings account

In conjunction with complaint XXXX. XXXX XXXX wrote check to me XX/XX/23 for {$8000.00}. Check # XXXX deposited XX/XX/23 into my checking account ( XXXX XXXX ) at XXXX XXXX. XX/XX/23 at XXXX XXXX  I was emailed to contact PNC Bank XXXX by XXXX XXXX  that day. I got home from work at XXXX XXXX  and called. The office closed until Monday. No other department could help me. So, they bounced the check due to lack of signature card on file. REALLY, people do work and can not access their emails. And you give me 6 hours ' notice you are bouncing a check for no reason? This is a new account due to PNC accepting a fraudulent check on our old account ( new acct ending in XXXX ). 10 checks had cleared on this account prior to the bounced check. I appeared in person at the XXXX, XXXX branch on XX/XX/23 and withdrew {$620.00} in cash. NO ONE EVER MENTIONED THAT WE NEEDED TO SIGN NEW SIGNATURE CARDS! Why would the signature cards from the old account not automatically transfer with the money?? So, I had another problem with checks that were going to bounce. I withdrew the money from another account to cover them. My XXXX XXXX XXXX XXXX father had to get his XXXX XXXX XXXX sister to drivXXXX him to the XXXX branch to resign a signature card after being a customer for 35 years. PATHETIC. This isn't a bank, it's a joke. You can call 50 times and you will receive 50 different answers to your questions. No one has a clue what's going on. I feel this was retribution for my filing the original complaint mentioned above. Surely they can not be this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS. 

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX - ATTACHMENTS BELOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX Account number XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

University of XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since 1998 and needs to be removed from the credit report because it is a clear FCRA Violation.
Product: Credit card or prepaid card

Hi, I started getting outrageous charges on my credit card with this company after so many of the charges happened, I was alerted and I called and let them know it wasnt me. ( as some of these were charges in other countries being made ) the rep that I spoke to said he would close that card and send me a new one and resolve the charges. I asked a number of questions as he couldnt give me any answer to or what outcome would be and just assured me it would be taken care of. Its been 60 days, I havent received a new card and I these charges are still appearing and Im being shown Im late on my payments and I cant get through to the company. Every time I call, I get a automated message that says thanks for calling sofi, were away from the phones right now. This is ruining my credit score and causing it to report over the limit. There are several XXXX dollars of XXXX charges that were never made by me so online items that say XXXX are there a few times. I dont know what else to do to get this resolved. I have tried calling every time, I have a spare minute when Im not working and I can never reach anyone through chat or by phone. I would like someone to reach out to me so this can get resolved. I really enjoyed sofi, but this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you
Product: Credit reporting or other personal consumer reports

According to the FCRA, all information on my credit report must be accurate, complete and verifiable. I believe the reporting of discharge off is in accurate and incomplete, for the following reasons charge is considered as income on the IRS rules a charge of may be considered income for tax purposes when the creditor writes off the debt and issues a form 1099C for the forgiving amount. This implies that the debt has been forgiven and should not continue to Impact my credit report negatively reporting this charge off without indicating that he has been forgiven, creates an incomplete and misleading picture of my credit worthiness. Section 611 of the FCRA, I am requested verification of accuracy of this charge off. Please provide documentation that confirms the legitimacy and accuracy of discharge off, including any form 1099-C issued by the creditor. If you are unable to verify the accuracy, incompleteness of this information, the charge off must be promptly deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Request for Investigation and Correction of Disputed Account - XXXX  XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account XXXX XXXX XXXXXXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Balance Owed : {$9000.00} ( TransUnion and XXXX ), {$9100.00} ( XXXX XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : TransUnion : Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : XXXX and XXXX report the last verified date as missing, while TransUnion accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and XXXX ( {$9100.00} ). 
Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices.

The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent.

Request for Action : Correct the payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to reflect an " OK '' status across all bureaus. 
Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review. 
I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.L
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting late payment history for XX/XX/year>, i was not able to access the account because it was on a " fraud lock '' I never gave my permission or written consent to allow this reporting, which is of false nature. I disputed with the company directly, but they didnt respond.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received funds to my Venmo account. I tried to transfer to my account. Venmo froze my account and has been holding my {$1300.00} hostage. They claim my funds will be held for 180 days then said 90 days. Its no reason for loss prevention to hold funds because its no disputes.
Product: Credit card or prepaid card

On XX/XX/2019 American express abruptly shut down down my account and to date has not provided specific information as to why they shut it down. 
I was told only in general terms '' " because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I have asked them a number of times on the phone, via fax, and via chat for the specific transaction that they feel was not used for its intended purpose and they refuse to answer.
Product: Credit reporting

Equifax continues to report a XXXX credit card on my credit report as an authorized user. I want this to come off my report as I am not responsible and not an authorized user of this specific XXXX account. I have requested this twice over the past XXXX months and this account is still showing up under my report. 
There should only be XXXX XXXX Bank Credit Card on my credit profile and not XXXX! XXXX is mine and my obligation while the other is NOT my obligation and should be removed ASAP.
Product: Credit card or prepaid card

American Express must consult XXXX XXXX XXXX and XXXX Identification Tools because are more accessible ( economical ) and XXXX Business is other option but I think it is more complicated and expensive than the previous ones. Remember while a business is starting is not recommended invest too much paying for this tools.
Product: Debt collection

This debt is from XXXX I closed the acct due to a move In XXXX I called them to return the equipment. They sent me a XXXX label I returned the equipment via the XXXX store on XXXX XXXX in XXXX I've tried to contact XXXX cable company several times over the last couple of years about the amount they are reporting on my credit reports The amount is incorrect and all equipment was returned via XXXX in XXXX. They still have not changed the amount owed {$1300.00} which is causing an issue on my credit reporting. I've even disputed with the credit reporting agency with no assistants. I should only be charged for one month of service with XXXX. 

I've contacted XXXX several times for them to notify me that my account is un-locatable or they can not pull the XXXX information or as recent as yesterday I'm not in there system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT IS LISTED AS MY ACCOUNT WHEN I HAVE NEVER SIGNED OR APPLIED FOR THIS ACCOUNT.
Product: Checking or savings account

XXXX around XXXX I brought in a check from the IRS thaXXXX was for {$4700.00}. When I made the deposit, the clerk who is also a personal banker informed me that there may be a 10 day hold because of the dollar amount. I then went to work but before I clocked in, logged online through my personal banking phone app and seen that it was pending. When I got off I traveled on the bus and realized I was somehow locked out of my account. I called and was transferred to the fraud department who told me that they were closing my account immediately for fraud, they were not willing to verify the check with the IRS, and they would not give my check back. I got off the bus and took an uber to the bank and called the police. The police arrived and they said they will try and validate the check and of they cant in 7 days they will release the check or create a new one. However they changed their mind again and demanded a XXXX form from the IRS. I retrieved the form and submitted it to the banking center and the XXXX department said they will not accept it from the IRS. The personal banker said the fraud dept is breaking the law because they can not withhold government funds. The fraud dept said they will not give me he check back or cash it. They will report it as unclaimed and use deception by reporting that I never claimed the money. Now I am stuck without the check and the IRS said they can easily verify it. They have a normal process they can follow that they are choosing to not use.