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

I have filed a total of three disputes with XXXX and TrasnUnion for the removal of XXXX XXXX information ( totaling {$300.00} ) on my credit reports. Disputes were filed in XX/XX/XXXX ( online ), XX/XX/XXXX ( online ) and XX/XX/XXXX ( certified mail ). 

The collection account was tied to a workers compensation claim due to a work-related injury. There were numerous delays in the claim settlement and I was never responsible for payment of this account. The claim was paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX  of XXXX XXXX XXXX ( documentation provided ). 

I originally disputed this account in XX/XX/XXXX as noted on the current ( XXXX ) report. However, the account was not removed from my file as originally requested. In XX/XX/XXXX, I contacted the XXXX XXXX of XXXX ( XXXX ) to request the necessary documentation to remove the account from my file. XXXX sent the requested documents to XXXX and TransUnion on XX/XX/XXXX. I then filed a second online dispute with both companies in XX/XX/XXXX. 

After nearly 120-days the account remains posted to both reports. Whats more alarming is that XXXX has now listed that case twice, with a second ( new )  date of XX/XX/XXXX ( pg. 8 ). The legend indicates this is an open collection ( C ) with a report date of XX/XX/XXXX. This is inaccurate information and a duplicate reporting of the original account. This account needs to be removed from my files at both XXXX and TransUnion credit reporting agencies. 

Enclosed are copies of the documentation from the XXXX XXXX of XXXX and the original creditor, XXXX XXXX XXXX XXXX, indicating this account was settled and paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX of XXXX XXXX XXXX ( workers compensation ). I have also enclosed copies of both credit reports, in the exact format they were recently sent to both Credit Bureaus for the third dispute by certified mail. 

These inaccuracies are significantly impeding my mortgage application and lending rates, impacting my ability to purchase our first home. If XXXX and TransUnion are unable to resolve this issue in a timely manner, I plan to seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account is not reflecting correctly on my credit reports, XXXX is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year>, while traveling in XXXX, I attempted to use an ATM with my Chase debit card at a XXXX ATM. That ATM stated that the connection was lost and I should withdraw my card, which I did. I waited a few minutes to ensure no funds were disbursed, and none were disbursed. I contacted Chase within one hour of the occurrence because I noticed the transaction was " pending '' in my checking account for {$470.00} including banking fees. Chase asked me to try to obtain proof that no funds were disbursed, and I obtained a signed statement and a copy of the ATM spool from the XXXX XXXX  that owns the ATM which showed my Chase debit card number and next to it a statement " no service available ''. 

Despite repeated attempts to have Chase credit my account for what they debited, Chase keeps sending me AI or automated letters stating they " authorized the transaction '' so they are not refunding me the money Chase debited even though the XXXX XXXX  confirms that no service was available so no funds were disbursed. I feel like Chase is not treating me fairly and wonder if they are doing this to other Chase customers as well, which would be an easy way to increase Chase profits by charging customers for funds that were never disbursed. I hope a human being with a customer service orientation will review my case and reimburse my account for the non-disbursed funds. Thank you
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, stating, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is a financial institution by definition under that title. 

15 USC 1681, section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither the furnisher of information to credit agencies, nor the consumer reporting agencies XXXX and XXXX, have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 

15 USC 1681s-2 ( A ) ( 1 ) ( A ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting multiple HARD INQUIRIES on my XXXX app. 
1. XXXX 1 XXXX XXXX 2. Carvana XXXX. XXXX XXXX  XXXX 4 XXXX XXXX XXXX I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 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 an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my wife and I obtained a construction loan from XXXX XXXX XXXX XXXX  to build a home in Michigan. 

In XXXX of XXXX, we began the process of rolling the construction loan over to a mortgage. During this process, there was a delay in us receiving documents from the bank due to the processor not knowing which address to send the paperwork to. My wife and I currently reside in Florida and all prior paperwork was sent to the Florida address. 

In XXXX of XXXX, XXXX XXXX XXXX XXXX  reported a late payment to Transunion and XXXX. 

On XX/XX/XXXX, we contacted the bank and they advised it was their error and corrected it with Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the late payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX  reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that was previously removed, reappeared on our credit reports. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX  who again contacted Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the last payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed twice already, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed a dispute with Transunion. 

On XX/XX/XXXX, we notified the bank. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed three times previously, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed another dispute with Transunion. We did not notify the bank. 

XXXX XXXX XXXX XXXX  advised they corrected the issue with their underwriter and core system that reports to the credit reporting agencies. 

XXXX  appears to have fixed the issue on their end. However, the error reappears with Transunion every month when the mortgage payment is reported to them. Each time this occurs our credit score drops until the issue is corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Hello and thank you for your consideration. I have a Chase credit card that I have been using for at least 10 years. I have plenty of credit on the card with an outstanding balance of app. {$5500.00}. I have been paying more than TWICE the minimum to clear up this balance. Along comes the Coronavirus and my employment stopped. I work for XXXX/XXXX XXXX XXXX XXXX travelling throughout the country keeping the XXXX  XXXX  XXXX  and XXXX. The program shut down and I havent worked since XXXX. Things are very tight so I called Chase on XX/XX/XXXX and spoke with XXXX who said that I could skip XX/XX/XXXX payment ( due date ). I thanked her and asked about going forward after that date. She said to call again and that they would be able to help me after the next bill is generated. I wnr an email to Chase thanking them and outlining my call to XXXX. In my email I told them of my situation and asked what they could do for me. Their response was that I was to pay the minimum amount!!! Apparently there is nothing more that they will do for me. Paying the minimum amount has ALWAYS been " the rule ''! Once we are up and flying again my job will return. At that point I could pay THREE times the minimum amount. I just dont know how long we will be laid off. Its my only income and I am stuck. I can not make these payments. Please help me!
Product: Debt collection

To Whom it May Concern, I applied for a lease in XX/XX/XXXX with an apartment complex ; The Academy on XXXX, and signed it in XX/XX/XXXX before knowing that my university would cancel in-person classes nearly six months later. I never paid a security deposit, never paid first and last rent, never paid a single dime to the landlord ; all I did was sign the document. Exactly 30 days before the lease would start on XX/XX/XXXX, I told the landlord over their messaging portal that I want to exit my lease ( despite there being no exit option ). He told me no, and I said I wasn't going to pay it. I got no response back after that. Two months later at the end of XXXX, he sent me an eviction notice and charged me the full 12 months of rent ( which is illegal under Maryland 's rental code ), selling the debt to BYL Collections. I got their written notice a month later around XX/XX/XXXX, responded by certified mail that I was disputing the debt, asked them to verify it, and verified that they received it. This month when I got my monthly credit report, my score had dropped over 100 points due to their inaccurate debt collection. 

XXXX XXXX on XXXX and now the illegal collection attempt by BYL Collections are taking part in an illegal move to circumvent Covid19 restrictions handed down by the very university which acts in accordance to federal oversight and mandate for social distancing in response to the pandemic. 
Furthermore, I had acted in good faith before the pandemic and can not be held accountable for the pandemic itself or the aftermath of such a devastating ordeal. While I do not argue that I filed out the application I never paid a cent, never took possession of the property and was never evicted by anyone for any reason. Everything that has transpired has done so on paper by a company intent on bilking me of monies certainly not owed and holding over my head the ruination of my consumer credit files. 

Furthermore i am including in my documentation the code of Maryland which it is my belief and position that the landlord and by extension BYL Collections is violating, this over and above all the restrictions and federal guidelines in the application of Covid19 safety guidelines and Covid19 consumer abuse. 

I am asking that this agency intercede on my behalf, review the information and documents and contact the companies mentioned in my complaint, assuring that this issue which they have clearly not taken seriously, is rectified under the supervision of this agency. I am available to speak further on the matter and to provide any other information not provided in this complaint if any.
Product: Debt collection

On XX/XX/year> I send a Certified Mail to LVNV Funding LLC requesting proof that the alleged debt was mine and that they had the right to collect the alleged debt. I requested copy of the Original Contract or the Purchase Agreement of alleged debts they are trying to collect and the were unable to provide that to me. All I got was a letter of them saying that they are in charge of collect the debt and bank statements of this debts, but no Contracts or Purchase Agreements. 
Can this matter be review? and please removed from all of my credit reports. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has recieved on many occasions over the past 12 years to change my name and address to the correct information. I have sent copies of court orders, passport, drivers licenses, tax information and this problem seems to be impossible to resolve without me getting an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a validation letter to bank of the west via certified mail asking them for validation of debt thats showing on my credit report, but they never responded back even when I know they got the letter because I got their signature on return certified mail. They are still reporting negative information on my credit report violating my rights under FCDPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud
Product: Mortgage

In the month of XXXX I had a death in the family and needed some time off from work so i needed help with my monthly payment on mortgage for the month of XXXX so i called wellsfargo and asked them what i could do so i didnt miss a payment. They suggested a Loan Modification and told me not to worry about making the payment for XXXX that it would be put back into the loan once i was approved i called her several different times and asked her if i should try and make some kind of payment and she told me not to worry about it if i didnt have have the full payment cause it wouldnt apply till i had full payment so i didnt make any kind of payment and then found out that they had denied me for the loan modification and told me i had to come up with both monthly payments. I can not afford to make XXXX payments in 1 month that is why i asked for there help in the first place they refuse to help me and keep charging me late fees every month. I payed the month of XXXX on the! XXXX and instead of them applying it to XXXX they applied it to XXXX and now saying i owe XXXX by XXXX! XXXX i have tried to contact the home preservation manager and left him messages to contact me and i have yet to hear anything back. If they would have never told me not to make that payment i would be up to date on my payments and not getting forecloser letters. It took me 2 years to buy this home only for them to take it away from me. Wellsfargo is doing nothing to help me on any level.
Product: Student loan

I filed my XXXX paperwork and it was processed on XX/XX/XXXX. MOHELA never notified me. I consolidated all my loans into XXXX  loans with XXXX so that they would be ready to transfer to MOHELA once my XXXX paperwork was processed and it was determined that I was eligible. I was deemed eligible for XXXX, but my loans still haven't transferred ( as of XX/XX/XXXX ). Whenever I call MOHELA and ask to talk to a supervisor, I am placed on hold for a long period of time. For example, as I am writing this, I have been on hold for XXXX hour and XXXX minutes. I have yet to reach a supervisor, and the call center folks just keep repeating the same lines such as " it takes time for your loans to transfer. '' I understand this, but it has been almost XXXX months, and they have tried to do a XXXX transfer XXXX times. When I talk to XXXX, they tell me they haven't heard from MOHELA and they can't do anything to help with this process. I recently discovered that MOHELA was reaching out to XXXX to get my loans sent over. When I questioned them as to why they were reaching to XXXX, they couldn't tell me why. XXXX has never been my loan servicer. So over the past XXXX I've called both MOHELA and XXXX, and listened to each of these services blame the other. When I suggested we do a conference call, with a supervisor from MOHELA and XXXX, I was assured that that would not help resolve the situation. I also asked if I should resubmit the paperwork, but was told that is not the issue. Yet, when I ask them what the hold up is, they can't seem to pinpoint the issue, and, therefore, we seem to be at an impasse.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer report.