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

In accordance with the Fair Credit Reporting. 
Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1691 section 602 A. States I have the right to privacy.

15 U.S.C 1691 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX NA XXXX XXXX XXXX, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX FL XXXX THIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX GA XXXXTHIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME I NEVER WORKED FOR XXXX OR XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECIEVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that Equifax takes immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my Equifax consumer credit report within XXXX business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within XXXX business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts, collections, hard inquiries and addresses were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ) & ( # XXXX ). I expect that Equifax will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XX/XX/XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX XXXX
Product: Student loan

Two issues with Conduent, but they both apply generally to all student loan servicing companies.

I pay my loans, more than is needed. No problem there.

My issues are what the servicing companies are allowed to do : ( 1 ) Unilaterally changing service providers. This happens often and fundamentally affects my ability to communicate with the servicing agency and keep track of balances. Can I unilaterally give my debt obligations to someone else that may or may not pay, the way the servicing companies are allowed to shuffle loans around at will? I didn't think so.

( 2 ) The " TO PAY OFF YOUR ENTIRE LOAN '' amount placed on loans. Good through some imaginary 10 day time period. This is a complete fiction. No one mails in payments and if someone did and the USPS delayed delivery the servicing company would tack on more interest. Right now my loan says to pay it off I need to add XXXX   dollars worth of interest. But if I click on the interest accumulated today there is only one dollar of interest. This is a complete scam to trick people into overpaying. Is anyone monitoring the amounts of interest overpayment when people make one time payoffs? Small fractions are easily millions of dollars. The servicing companies should be required to list a " PAY IT TODAY '' amount. I am shocked this system has been in place for so long when today the internet alllows simple same day payments which I would guess accounts for >95 % of all payments processed by Conduent.
Product: Student loan

In XXXX I was attending XXXX XXXX of XXXX XXXX. I had to take withdraw because of high risk XXXX and had daughter at XXXX weeks. I had been hospital bedridden since XX/XX/XXXX. 

Then they said I owed even though it was a medical emergency. Later they kept saying it was in forbearance until last year at tax time they took my whole refund causing financial hardships and making it difficult with credit scores, trying to get back into school etc. It seems the amounts change so drastically even when I made the payment required from my tax refund. This has so much strain on myself and my XXXX child who is XXXX. It 's too much.
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

This account has been on my credit since XX/XX/19. I have made repeated attempts to get this account off of my credit, but the company keeps stating the account meets FCRA requirements when in fact I have never had dealings with this company and the account is a result of identity theft!!! PLEASE REMOVE FROM MY CREDIT IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

Subject : Escalation of Inquiry Dispute Lack of Verification Provided Dear TransUnion Dispute Department, I appreciate your response regarding the inquiries on my credit report, but the explanation provided does not resolve my dispute. The inquiries listed below remain on my report despite my assertion that they were unauthorized, and you have not provided any evidence to support their validity. 

Disputed Inquiries XXXX. XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> XXXX. XXXX XXXX  XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> Violations of the FCRA 1. Failure to Verify Authorization ( FCRA 1681i ( a ) ) Under the FCRA, you are required to conduct a reasonable reinvestigation and verify whether these inquiries were authorized or had a permissible purpose. Your response did not include any such verification or documentation. 
2. Burden of Proof on the Furnisher ( FCRA 1681b ) A company must demonstrate a legitimate business need or permissible purpose to access my credit report. Without providing documentation or proof of my authorization, these inquiries should not remain on my credit report.

Requested Actions 1. Provide Verification Documentation : If these inquiries are valid, I request documentation proving my authorization ( e.g., signed applications, account details ).

2. Immediate Deletion of Unauthorized Inquiries : If such proof can not be provided, these inquiries must be removed immediately. 

Supporting Documentation 1. A copy of your original response ( dated XX/XX/year> ) referencing this matter. 
2. My original dispute highlighting the unauthorized inquiries.

Your Responsibility As required under the FCRA, you must resolve this dispute within 30 days and provide a clear resolution, including either verification of the inquiries or confirmation of their deletion. Failure to comply may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or legal proceedings to enforce my rights. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX Hacks XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Debt collection

This dept is old. I live in the state of Maryland and any dept over three years can not be collected/requested for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit card accounts. While the accounts were not established the applications did result in fraudulent related inquiries on her credit reports. Several official disputes were made with the creditors as well as the credit bureaus in an effort to remove those inquiries however, Equifax is still reporting two of the fraudulent inquiries while XXXX and XXXX have removed the data as fraudulent. The inquires remaining are XXXX and XXXX/XXXX XXXX.
Product: Mortgage

My husband and I own a six unit property in XXXX Florida which we pay M & T Mortgage the mortgage payments. On XX/XX/XXXX we called M & T Mortgage to inquire/request about what M & T website calls a ( Construction Financing ) loan but was told by an M & T representative ( XXXX I believe the name ) that we would have to go inside the branch to apply. I stated that you do not have an M & T branch in XXXX Florida to physically walk in to. She stated Oh thats right, so you can not apply for a property financing loan. It is clear that they are using the excuse that if you can not physically walk in a branch, you do not get the option to apply for any type loan. I stated to the M & T representative that we have been ( and still ) paying a mortgage to M & T for approximately ( 12 ) years and stated to her that the M & T website offered different types of commercial financing loans to M & T property owners, etc. The below Financing Option is what we were trying to request. As stated on M & T website : https : //www.mtb.comXXXX Our Portfolio of Real Estate Financing Options Due to our outstanding credit culture, M & T has achieved a reputation of excellence for providing quality products and superior service. We can work together with you to find the financing option that fits your needs. The Number given on website ( XXXX ) Construction Financing Apply for financing with new construction or the renovation of your investment or  business property. <P/>Within that same conversation she told us that ( XXXX was the mortgage company ) and [ M & T ] is just the Servicing Company so they could not assist us with Construction Financing from their M & T Commercial Property website anyway. So we told her we will call the XXXX XXXX. On the call with the XXXX XXXX ( we spoke with a male employee ) and explain to him what M & T stated, that to call them because they are our mortgage company. The XXXX XXXX told us that they were just servicers to us also and that the servicing ended in XX/XX/XXXX. And stated that M & T Mortgage became our Mortgage Servicers at that time. To add, M & T mortgage and XXXX have been interchangeably, over the years, calling themselves ( in a back and forth way ) our servicers whenever it appeared to be convenient for one or the other. This is the answer my husband and I would get when asked who owns the loan. So we would like to know ( 1 ) Why M & T denies being the servicer/company of the loan when it states it on their mortgage statement in XX/XX/XXXX ( mortgage transfer statement ). ( 2 ) Who owns the loan that we have been and still currently paying, which has been M & T Mortgage for approximately the last ( 12 ) years. ( 3 ) And is it against banking laws for M & T to place financing information on their website for their mortgage holders, etc. and deny those mortgage holders options for financing loan ( s ) because a physical branch is not in your city or other nearby city. Note : I do have a letter stating that XXXX ended servicing our loan in XX/XX/XXXX. And M & T granting it. M & T Mortgage General Customer Service XXXX Attachments M & T and XXXX XXXX statement copies
Product: Debt collection

For over two weeks ( today is XX/XX/XXXX ), my husband and I have been receiving phone calls, day and afternoon, and evening, from a company called Portfolio Recovery Associates. Sometimes, it is several times per day. They do not leave a message, or when we do pick up the phone, there is no one there -- it 's just dead space. I have called one of the numbers back ( this company has a lot of different numbers ), and I have gotten a person. This employee of Portfolio Recovery insisted on knowing my name, which I refused to give to her. WE HAVE EXCELLENT CREDIT RATINGS AND NO, NO, NO DEBTS IN ARREARS, EITHER NOW OR IN THE PAST. I told her this and demanded that our phone number ( a land line ) be taken off their list. ( I had called their number, XXXX, prefacing it with XXXX, so they would not see our names in their caller ID. ) She could NOT tell me my name, and I kept saying that several other people had had our new phone number ( before we obtained it, three months ago, XXXX. ) She said she would 'take your number out of our system. '' I said that if she did not, ourlawyer would be getting involved. I know that I will be getting more calls from these unethical people. I have read horror stories about this company and others, who harass people such as us who DO NOT HAVE ANY DEBTS IN ARREARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX and there is XXXX XXXX  XXXX XXXX # XXXX XXXX, IL XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting

I have contacted Experian multiple times to review my credit report after being denied credit -- which is my right. I only get denied credit when a company pulls Experian and I want to know why because to my knowledge there should not be any new collections. Up until two weeks ago I was able to view online, but it would not let me dispute debt that was not known to me. I 've written letters to Experian with dispute information, contacted the collection companies and have got absolutely no where. At the time it would no longer let me do anything online, I called the XXXX number. Unable to speak to anyone, I was able to request a copy of my credit report to be mailed to me. After receiving, I went on the Experian website to dispute information that was not mine using the confirmation number. It still would not let me. It basically says I 'm blocked. How am I supposed to do this? There 's no one to speak to, they do n't acknowledge letters and I 'm blocked from viewing my report online. It is totally unfair to hold my credit hostage. This should not be legal!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Remove the following accounts for improper usw of my credit report.The payments history shows a continued reporting a charge off after these account was closed.This is detrimental for me and my family. 

XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX.
Product: Checking or savings account

On XX/XX/2021 I went into my local First Horizon bank the address being XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX, to inquire about why I was charged a XXXX dollar overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the two dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law. 


This was the original complaint. They didnt comment on the fact that XXXX did indeed agree it was against policy to charge that especially without my consent. The teller didnt have authorization to print the form. Without authorization from me, it was indeed against policy. So what policy was she admitting to you guys breaking? I didnt authorize the printing of any form. So you are twisting the story to fit your intended outcome. Im not ok with this. Its not lawful or constitutional.
Product: Student loan

In calling in today to Key Bank regarding my student loans services by XXXX XXXX ( last four SSN : XXXX ) after being advised on multiple occasions by both the lender ( Key ) and the services, XXXX XXXX XXXX, that I had available time on my loans for COVID-19 forbearance, I was advised they are unwilling to assist me with anymore time. During this horrific time, during which I am unemployed due to COVID-19 as well as two Natural Disasters in XXXX XXXX ( wildfires from XXXX - XX/XX/2020, and an earthquake in XXXX, respectively ), is remain in dire need of forbearance for these loans, as previously promised by the servicer. My employment was shut down due both to COVID-19 and the described Natural Disasters. 

This matter remains time urgent, and Key has been very abrupt in their dealings with me and unrelenting in assisting me during this horrific time both financially and medically, as I continue to battle medical issues during this crisis. 

I require immediate assistance with this matter, to ensure my loans are placed back into a Disaster forbearance as previously advised me. Please urgently contact me to resolve this matter. Thank you kindly in advance, and I look forward to speaking very shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2011 with a balance of {$12000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.