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

Springleaf merged with One Main. One Main and XXXX have been and are reporting inaccurate information on my credit report. One Main and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main and XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both XXXX and One Main asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX and One Main of  their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX :  XXXX. Certified mail sent to ONEMAIN on XX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date XX/XX/XXXX
Product: Bank account or service

I have XXXX savings accounts and XXXX CDs at Synchrony Bank. Interest for all accounts in credited on the XXXX of each month. My account statements also cut off on the XXXX of each month. I view my statements online at the bank 's website, Synchronybank.com. The bank has not been able to produce any statements for the month ended XXXX XXXX, 2016. The activity for individual accounts can be viewed online. The CD accounts show a credit dated XXXX XXXX with the caption " Transfer Int to Acct '' but the amount has not been added to the account balance. There are no entries for the transfer of that interest to my savings account as is the normal process. The bank blames the problem on a new system that is not working. They continue to ask for patience. I have too much money deposited at the bank to continue to be patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Here is the list of inaccurate items that were found 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. l received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/2021 Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX ( XXXX ) XXXX Is reporting a debt of {$130.00} on my credit report and I am unaware of ever incurring this debt. I want proof that I signed for this debt or be removed from my credit report.
Product: Student loan

XX/XX/XXXX I dropped down to part-time at the hospital where I have been working since graduation in XXXX. I have submitted regular ECF throughout my employment all previously have been approved for the PSLF. 

In XXXX I submitted two ECF to account for the period between XXXX XX/XX/XXXX and XX/XX/XXXX in which I was still a FULL-TIME employee and from XXXX to present to indicate my current PART-TIME status. FedLoan Servicing incorrectly deemed the period of XX/XX/XXXX to XX/XX/XXXX as unapproved employment and failed to count this period of payments towards my PSLF. 

I have contacted the company three times regarding this error which has been " in review '' since XXXX. After my XXXX inquiry I received an email saying that it was STILL in review and I would be contacted when that has changed. It is nearly XXXX and I still have not had this matter resolved. 

It is concerning to me that FedLoan can not accurately account for a simple status change which is labeled clearly on the paperwork I submitted. How can they be trusted to handle more complicated situations in which a person has two part-time employers counting towards PSLF. 

This error which resulted in me not being credited for 9 months of payments towards my PSLF must to addressed and resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX  is reporting no late payments and Equifax is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Checking or savings account

I was searching for a work from home job. A company I applied with sent me a check for {$1800.00} and wanted me to purchase XXXX products for company software to do the job. 
I deposited the check on XXXX. 

Before I purchased the items, I contacted my bank, via my mobile app.to verify that the check was legitimate. I hit the " contact us '' option which directed to their virtual chat " XXXX '' She assured me that the check had cleared and the funds were there. I triple checked asking questions " Are you sure the check is legit? '' " Can they reverse the check at any point? '' If it is a bad check, am I responsible for the money? '' To all my questions, her response was that the check was good & the funds were there. 
Having confirmed with my bank that the check was legit, cleared & the funds were there, I proceeded with the job requirements. 
On XXXX I was notified by my bank that the {$1800.00} was a " Return item, chargeback '' & they had taken money out of my account to cover it. 
I called my bank to question as to why & how this could happen because I checked & then checked again with them to make sure the check was legit & I would not be held accountable for the money if there should be an issue with it in the future. Multiple times they reassured me that it as a legit check & the funds were there. 
They said that the check turned out to be fraudulent and that I was responsible for the funds. 
They should NOT have told that the was legit and the funds were " safe ''
Product: Credit card or prepaid card

Issues with making payment due to current Covid environment resulted in an insufficient funds fee. Barclays customer service was not willing to refund fee. Very disappointing that Barclaycard is not helping-assisting people during this difficult time.
Product: Mortgage

I have written at least 15 CFPB complaints about the Servicing Mortgage Company, and no action has been taken. I received a Certified Letter dated, XX/XX/2018, from XXXX XXXX XXXX XXXX, XXXX XXXX, Assistant Vice President informing me that a copy of my complaint has been forwarded to SPS Inc., and that SPS will provide me with a separate response. 

This issue was elevated by me to XXXX XXXX XXXX XXXX, XXXX, after numerous written attempts directly to Select Portfolio Servicing., Inc. , ( SPS ), for them to provide me with written proof of Real Estate documents, reflecting the Sale/Transfer of the property from XXXX  XXXX XXXX , as the XXXX County Georgia Superior Court records only show XXXX  XXXX as the owner. 

According to 15 U.S. Code 1692g - Validation of Debts, this is the Federal Law, and SPS is not complying with the law by not providing me with that inmformation.
Product: Credit reporting or other personal consumer reports

They are reporting misleading and fraudulent information with payment history and the amount of monthly payment. I have to lease in another state for employment during work days. I travel back home every week for 3 days off every week. It hurts my opportunity to rent and it causes high interest rate for credit resources and it causes my auto insurance rate to be high due to poor credit rating.
Product: Payday loan

I was checking my credit report with XXXX, and I l seen an hard inquiry that was not done by me ... Rise is the name of the company, I have disputed this inquiry several times with this company and they still refused to take this inquiry off of my credit report. I have fax letters and also told them that I have identity theft on my report. They still have n't shown me proof of me signing anything in my own hand writing. I have applied for several jobs and was turn dwn because of this hard inquiry. All they say is that the hard inquiry is mines base on my name, and address ... I want this inquiry DELETED/REMOVED off my report ASAP. Thanks
Product: Debt collection

XXXX XXXX and Equifax is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that XXXX XXXX validate the debts they all reporting to Equifax and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. XXXX is reporting a total of XXXX debts of which some appear to be repeating to Equifax. I have requested by letter and phone that XXXX XXXX provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on XXXX  ears by both XXXX XXXX and Equifax. As stated to XXXX XXXX this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.
Product: Mortgage

My name is XXXX XXXX. I have been a loyal member of the Pentagon Federal for about 10 years. I initiated a mortgage refinance in early XXXX. My loan processor XXXX XXXX has been extremely unresponsive to date. I have been feeling neglected throughout the entire loan application because XXXX has spoken to me via telephone 1x through this process. My estimated closing was yesterday XX/XX/XXXX. On XX/XX/XXXX I received a forwarded internal email stating something to the affect of my property was not eligible for the refinance due to XXXX XXXX  guidelines. I immediately requested a call from a manager on XX/XX/XXXX for clarification but have not heard back to discuss further. While awaiting a callback from a manager I did my own research and reviewed the XXXX XXXX guidelines and found multiple exemptions to the guideline. The XXXX XXXX  links were sent to my loan officer and processor for consideration. After forwarding the information I have not heard anything from Pentagon Federal. 

Again I have not been able to speak with XXXX XXXX nor a manager to discuss any additional programs within XXXX XXXX guide or options to help me as a valued member. 

This has been the worst service Ive received in my life. I do hope that Pentagon Federal understands the severity of this as we are currently in a pandemic, I have been working to decrease my expenses due to this pandemic. I feel Pentagon Federal has not assisted me with my financial goals and I feel abandoned by Pentagon Federal.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to XXXX XXXX  against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed writtenconsent.
Product: Debt collection

XX/XX/2021 Dear XXXX XXXX, Lvnv Funding Llc has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX. 

Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you. 

We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment. 

If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible. 

Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor. 

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Current Creditor Account Number : XXXX Total Balance Due : {$910.00}
Product: Debt collection

I received notification via a letter that was mailed to my new home in MA that appears to be a scam but I can not tell for sure. The notice came from CBCS supposedly, and has my old address as a service address for a XXXX XXXX XXXX XXXX charge but no company is listed and utilities were included in that place of residence where I lived for the entirety of my time in XXXX. I also have not lived there since 2013 and this is the first notice I am receiving. I want to verify that this bill I received for {$30.00} is a scam and report it if so.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Product: Mortgage

I have been paying monthly mortgage payments to Rushmore Loan Management S,ervices on a regular basis for years. Recently I have used XXXX online payment service for this purpose. Rushmore claims that they have not been getting the bank transfer funds and threaten me with numerous phone calls at all hours. My bank records show valid fund transfers. I am unable to talk to reliable Rushmore employees , usually their phone numbers do not answer. I do not want to jeopridise my mortgage, but do not know how to proceed. Please advise
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent over an hour on a 2 different occasions waiting to get through to someone to cancel my credit reporting service with no success. On a whim, i called the number to get through to someone about starting the service and was connected in about 5 minutes. I even sent an email to the customer service email. 

I want to cancel my service as it is not needed or desired.
Product: Debt collection

Diversified consultant XXXX is reporting on my credit and I have never received anything from them. I do not owe XXXX anyways because back then we got XXXX & we paid our final bills. I don't even know what this is for and the last time we had sprint was well over 4 years ago so this debt is past the statute of limitations also. 
XXXX should have no charges for me under the XXXX.