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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these accounts ( A ). It is not permissible to fail to block these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

under the FCRA and EFT Act I do not have an " account '' with these people. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I was terminated from my job since XX/XX/23. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/23 and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES ( XXXX, a XXXX, and Transunion ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I NEVER received " a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. '' Which is written in law, along with any statement from Ally Financial, so I am demanding that they remove all late payments associated with my account and issue a refund for all the late payments associated with my account. 

So update all three CRA 's to PAID ON TIME NEVER LATE Immediately. 

Account # XXXX
Product: Debt collection

Everyday other day I receive a called since XXXX XXXX from CONVERGENT OUTSOURCING this is a account that doesnt belong to me I provided them My police report advising that the account was opened and does not belong to me
Product: Mortgage

I contacted XXXX XXXX mortgage loan cordinator of XXXX XXXX who represented rhe lender Sun West Mortgage Inc. After prequalifying and going through the process up to the appraiser, is where things became very fuzzy with continued descrepancies from XXXX XXXX and appraiser. Appraiser claimed he couldn't find comps, when he did get them, he had issue with the business/residential ratio, fixed that, then estimator had issues with contractor 's bid saying it was too low. Had to trump it up to XXXX dollars more. Then the appraiser results finally came after refusal to complete the appraisal, some curiously long delays, dissapearances, and after reluctantly agreeing to complete the report. Finally his appraiser 's report came in 100, 000 plus dollars above the property value. Just about what they had me raise the contractor 's bid to. Then still trying to find a way to work it out, I called the lender 's agent XXXX XXXX, who delayed returning my call for days prior. And finally XXXX XXXX admits to me that his boss flat out didnt like the property and wasn't going to back it. Then weeks later I recieved a letter saying the loan was denied because I lacked collateral. Something that was never asked for in the transaction and never was in any document. The reason they said I didnt get the loan was simply not true. This out and out misinformation confirms what I already had come to believe. That I have been redlined by the mortgage company.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent inquiry on my credit report, as I am a victim of a data breach and identity theft. According to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to maintain its accuracy.

Please remove the following unauthorized inquiry from my credit file : XXXX XXXX  Date of XXXX : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

following accounts are incorrect, and they are adversely affecting my livelihood. 

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 XXXX
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that i dont recognize XXXX XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 Equifax XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX*Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I received money through metlife, a third party and deposited my checks mobile. The funds have been cleared but they are wanting to hold my money until I can provide a 'verified number ' for XXXX to them. I've given them all the numbers I have and they said none work and they will close my account and hold my funds until I can produce a number to them. I have spoken to multiple people over a week and spoken to metlife who has no idea what is going on and has given every number available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts on my XXXX  credit report that belongs to another person multiple and XXXX  says they will remove and has not removed it. It does not belong to me. Im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the status of the loan ( ID : XXXX ) that I got from Affirm. 

On XX/XX/XXXX I disputed the loan to XXXX  since I did not receive the purchased item from the merchant that I used the XXXX  loan for. In this case I was hoping to use the resources that XXXX had on their website to resolve the issue On XX/XX/XXXX XXXX closed the dispute in favor of the merchant, and immediately made the loan past due. Up to this point, I did not receive the product that I paid for, and the merchant refused to refund, or to replace the item. From that point, the XXXX of XXXX XXXX immediately reported to the credit bureau that the loan was 30 days past due, despite freezing the account for 55 days and not allowing for a payment. 
Website : XXXX XXXX XXXX From website : ( After reviewing the evidence, we'll notify you of a decision within 15 calendar days ( it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction ). 
While your purchase is in dispute, you're not allowed to make payments on your loan. )
Product: Debt collection

A company called " XXXX '' keeps calling me. The just say they are trying to get more information to collect a debt. They don't actually specify what the debt is or if it is even mine. They are calling about 2-3 times a week. I have receieved no written notice of ant debts and have no knowledge of any debts I owe. When I searched the company online It looks like it may have been dispanded. And I can't find any actual information on it.
Product: Checking or savings account

I tried to dispute transaction made by XXXX on my Bank of America business debit card. Transaction totaling a {>= $1,000,000} cent. It started with a lower amount. As XXXX kept charging my card/account with out my authorization.I called Bank of America and disputed the transaction. Bank of America did not honer the claim. They said I did not do it in a timely manner.. it was within the 60 days of the transaction being mad.. I tried to fix it with the merchant and I got no where. The bank recommended I contact the merchant. And I did. Once I couldnt get any where I contacted the bank, thats Bank of America and now they denied my claim and my business is at risk. Im at risk of losing everything. I cant check the status of the claim, so when I called in today they said that they came to a conclusion that I did not report with a timely manner. Bank of America kept telling me that I will get a letter in the mail, and they can not send me anything else via email. Only tell me over the phone what the notes stated. That I did not file in a timely manner.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I wrote XXXX, Equifax, and XXXX asking if they could look at the bankruptcy # XXXX it did not look right to me. On XX/XX/XXXX they respond back saying that the account was verified as accurate and remains. Attached is a letter that I received from XXXX on XXXX XXXX explaining that the account was deleted from my file. 

If the account is verified through XXXX, according to XXXX, Equifax and XXXX that mean my consumer report needs to be updated to math my credit file. 
please remove from credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Checking or savings account

I AM EXTREMELY DISTRAUGHT!!! I WENT TO YOUR BRANCH/STORE AT XXXX XXXX XXXX!!! I WAS TOLD BY THE YOUNG LADY IN CUSTOMER SERVICE, MY DEPOSITED CHECK FOR OVER USD {$4500.00} WOULD BE AVAILABLE TODAY. I THEN WENT INTO MY ACCOUNT, SAW THE MONEY AND DECIDED TO PAY MY BILLS!!! ONLY TO SEE THAT I AM OVERDRAWN FOR OVER USD {$1300.00} DOLLARS!!! THIS NOW ALLOWS TD BANK TO CHARGE ME FOR OVERDRAFT FEES!! I CALLED THE CUSTOMER SERVICE WHO YESTERDAY, WAS UNABLE TO VERIFY MY VOICE, THROUGH AND EQUALLY INCOMPETENT VOICE RECOGNITION SYSTEM RESULTING IN MY ACCOUNT BEING LOCKED OUT!!! WHAT IS HAPPENING!!! THIS IS A SCAM!!! TD BANK WILL NOW CHARGE ME USD {$35.00} PER TRANSACTION WHICH AMOUNTS TO 6 TRANSACTIONS, WHICH I CAN NOT REVERSE!!! FOR DOING THE RIGHT THING TD BANK WILL CHARGE ME USD {$210.00} IN OVERDRAFT FEES!!
Product: Student loan

I have been trying to get my student loan servicer, XXXX, to process my XXXX XXXX education award for four months now. I submitted my payment on XX/XX/XXXX, and was told by multiple EdFinancial agents that it would be processed by their finance department in 14 days. This did not happen. I would wait on hold for up to 4 hours, or wait for a call back and never get it. Every agent has told me something different about timelines. In XXXX of 2023, EdFinancial told me I needed to upload proof of payment, which was not told to me by any other agent up to this point, there was no location to upload proof of payment, but I uploaded it to a few other document spaces and emailed, and I see it in my Edfinancial account inbox as having been sent in. I also saw an update on XXXX end ( they have done everything correctly and in a timely fashion, unlike EdFinancial ) that it was accepted by the Institution ( this was over 3 months after my XXXX submission ). It said the payment was accepted by the Institution on XX/XX/XXXX. On XX/XX/XXXX, I had called ( as usual, about every two weeks to check status ). I was told that they would escalate my case to emergency status, and it would take 10 business days to process. Nothing changed. I called again, and asked if I would need to make my monthly payments to avoid credit score impact. They told me nothing would impact my credit score, and that I did not need to pay. I would get no warnings. However, in XXXX my payment was labelled delinquent. I paid because I was nervous about my credit score and financial standing. I talked to a supervisor. She said I didn't need to pay. She said she would submit the emergency request ( which was never filed, although I was told by the agent in early XXXX it was ). She would also submit a forbearance request. Neither of these have processed, now a month later. Every agent says they can't talk to finance, and finance can choose when they want to process the payment. I have been responsible, and XXXX and I have submitted all proof. 

I would like to file a complaint based on misinformation I was given on timeline. I was promised 6-10 days processing. Then 10-14. Then 30 - 60 days. Then 60+ days. Finally on XX/XX/XXXX I was told I was " misguided '' and that there is no processing turn-around time. Finance has no deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent Trans Union all the proper paperwork to have these fraud accounts remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Product: Mortgage

I asked this mortgage company back in XXXX to not pay an insurance invoice cause the premiums changed and they will get a new one in a week. They sent both out of escrow. So they showed I had 2 insurances on my home. I get an escrow analysis and it says my payments going up XXXX dollars a month. Been calling and on the phone every week for a month to get an answer. After I receive a check from 1 of the insurances and pay it back into escrow, they tell me that it shows my insurance is going up XXXX dollars still and thats why my escrow is negative. My insurance is XXXX a year and doesnt need to be renewed till XXXX. But they still show in going up to XXXX. But only they see it. Not my insurance company or the insurance department for the mortgage company themselves. Cant get a clear answer on anything.