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

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get the credit report online in XXXX & other credit websites, also tried to apply CreditCard in bank websites, but i am getting the response as " Your personal information doesn't match with credit bureau records '' .. I strongly believe that my Credit information is missing the Credit Database.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did TRANSUNION verify this?????? TRANSUNION has failed to do a proper investigation. I demand that TRANSUNION provide the method of verification under section 611 of the FCRA or delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

mortage settlements in attorney general website were my homes ande now im the exe4cutor for XXXX XXXX banks XXXX XXXX college fraud and students stealing i have no statue of limitations they made law its legal to murder me by XX/XX/2022 and i withgout funds car home and have zillions each county
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting XXXX collection accounts from XX/XX/2017intentionally damaging my credit history with reporting incorrect information of accounts that does not belong to me, not only that they refuse to investigate the accounts under fair credit reporting act causing me financial hardship due to their negligence. 
XXXX XXXX XXXX XXXX # XXXX FOR {$270.00} XXXX XXXX XXXX XXXX # XXXX FOR {$860.00} XXXX XXXX XXXX XXXX # XXXX FOR {$500.00} XXXX XXXX XXXX XXXX  XXXX for {$1200.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company is breaking the long by filling to provide proper validation details as required under 12CFR 100634 ( b ) ( 5 ). despite this, they added a collection to my credit report Ive already tried to resolve this issue. Please help me delete this from my report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX that was still showing open after I had paid it off, I sent a letter to equifax and the paid off letter from XXXX XXXX so they can show it as closed paid off. 

Instead of them updating the account they remove it completely, I have sent multiple letters and spoken to multiple people about replacing it and they ask me to follow the same steps over & over just not to replace this item back on my credit report,
Product: Mortgage

I applied and received a conventional loan from Mortgage 1 Incorporated dba XXXX XXXX XXXX XXXX in late 2015 for a Manufactured Home. This was a conventional loan and at the time was pleased with my experience. I am now in the process of selling this home and had made the decision to purchase a new home with the intent to sell the manufactured home. 

The issue I am now faced with is that according to HUD regulations I should not have received conventional lending for this home in 2015 due to the manufactured home having been moved to a secondary location. We were in the closing process with a buyer when their lender and title company brought this to our attention. I have talked to at least a dozen lending institutions, some of which specialize in Manufactured Home loans, and they all have said that I should not have been able to receive a conventional loan on this manufactured home. Due to this coming up during the week we were to close with the buyer they have decided to pull out of the offer. This is forcing us to put the manufactured home back on the market at a discount in the hopes of finding a cash only offer or someone who can qualify for a higher rate personal style loan for the home. If I am able to sell it at this discounted price I will have lost {$20000.00} between the first buyer and any potential buyer. 

Additionally, had I known we would have had re-sale issues we would not have made the decision to purchase a new home at this time or possibly never purchasing this Manufactured home in the first place.
Product: Checking or savings account

An online checking account was opened with Wells Fargo with my social security number. That Wells Fargo account was then linked to my legitimate XXXX savings account and 3 transactions occurred to electronically transfer money from my savings account and moved to the illegitimate checking account with Wells Fargo. 1. {$1900.00} 2. {$2300.00} 3. {$340.00} I called XXXX XXXX on XX/XX/22 to explain and confirmed the account was created online with my social security number, name and address however the phone and email address did not belong to me. Wells Fargo contirmed the transactions were attempted however canceled and never deposited into the Wells Fargo account. Wells Fargo closed the account and waiting for confirmation documents in the mail. 

I followed up with XXXX where the transactions were flagged as fradulent however the money was taken out of the savings acccount. As of XXXX the fraud department of XXXX XXXX  was in the process of reimbursing the {$4600.00} back to my savings account.
Product: Debt collection

I am a victim of identity theft. I did not authorize these accounts, please help.
Product: Student loan

My loans transferred to FedLoan Servicing because I am contemplating PSLF in the distant future. I didn't want this transfer to occur, but that is the Dept. of Education process. I was informed by email by FedLoan Servicing on XX/XX/20 that my loans were being transferred. When I called them, I was told by a FedLoan Servicing customer service agent that I would need to re-request for an income driven repayment plan in order to keep the plan I had under the previous servicer ( XXXX ). I requested on XX/XX/20. My online account and mail communication said I would receive an answer back by XX/XX/20. I did not have a payment due in XXXX XXXX XX/XX/20 should have been the due date ) because in this transfer process they applied a forbearance of some sort without asking me. I made a normal payment equal to my previous months on XX/XX/20 to FedLoan Servicing. I did not receive any notification about my request by XX/XX/20. I called to inquire and was offered that they could expedite the inquiry into the request and that would take 10 days. By XX/XX/20 I still had heard nothing back about my original request or the expedited inquiry. I was no showing a balance due that was over 10 times larger than my normal payment. I called on XX/XX/20 to try to get to the bottom of this. From initial call until the end of the interaction was 2 hours and 54 minutes, the vast majority spend literally waiting with hold music and I also waited for initial call back. Over an hour of this wait was just because the person who answered my original call literally can't answer anything about income driven plans. Once I was connected to an appropriate agent ( XXXX ) her computer promptly froze and she booted me back to the queue. Over 30 minutes later she was the agent that picked my call back up, and again, conveniently, her computer froze. Because there was only 30 minutes left during their normal hours of operation, I asked to speak to a manager. This manager at least had a working computer and seemed twice as competent as anyone I have every spoken to at FedLoan Servicing. It turns out they never expedited my inquiry into my income driven repayment request ... instead they sent an inquiry about whether my XXXX payment could be counted as a qualifying payment for PLSF. This manager acknowledge to me that they never should have given me a huge bill for XXXX because my existing plan wouldn't have reset until XXXX anyways. She put in an expedited inquiry regarding my original request from XX/XX/20. She advised me that I probably shouldn't pay the full amount due because I should never have been billed for the much larger amount that was not consistent with my original income drive repayment plan. I made a payment on XX/XX/20 that was equivalent to what I have been paying for months. I don't have an estimate of when they will process my income driven repayment request at all. I assume in XXXX I will now be billed for 10 times what I had been paying each month, despite my income only rising a few percent in the past year.
Product: Student loan

On XX/XX/2019 I noticed my loan payment had not been taken from my checking account. I am on what they call a reduced rate program and they auto debit my account each month. I checked to see that my account was overdue and called to find out why the money had not been taken. I was told my program ended and I was responsible for the full payment amount. 

I had not been provided correspondence of the end of my payment program. I was told that information was available on my monthly statements. When I rechecked my statement there was no information about the end of my program date.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Product: Credit card or prepaid card

I purchased what was described as 2 calfskin leather purses, being sent from XXXX XXXX. I purchased them from a vendor on XXXX. I payed using PayPal credit. The amount was {$640.00} on XX/XX/2021. When the items arrived, they were plastic, horrible smelling knock off bags sent from XXXX. The vendor had closed their on line store through XXXX so I was no longer able to reach them. I disputed it through XXXX, who did confirm it was fraud. However they said bc I purchased through PayPal I had to deal with them. The first people I dealt with at PayPal said yes, it looks fake, and to return the items. But the return address they gave me had only a city and province in XXXX. No address or name. PayPal customer service kept telling me to just send it, as long as I have a tracking number it doesnt matter. But the post office cant send a package with no name or address. They even made me get a note from the post office saying that. Then they passed me off to the credit department, synchrony bank. They closed the dispute twice stating, you didnt return the items. I kept saying you guys refuse to give me a return address! So I opened the dispute for a third time. I never get any of their correspondence mailed as they are supposed to, but I just got a delinquent notice emailed. I opened it to see that they denied my dispute again stating the seller sent in his policys and it says I was to deal with him. I have no contact to reach him, the on line store was closed! So how could I reach them? Further this was already deemed as fraud by XXXX and PayPal ( when they said I just needed to return the items ). Synchrony banks response also said that the proof given by the seller was attached, but it wasnt attached. PayPal/synchrony bank has the sellers contact information, has never provided it or asked for a correct return address. This has been the most ridiculous experience. I have spent so many hours over the months on the phone trying to deal with it and ultimately end up sobbing because Im so frustrated. I will happily return the garage merchandise, I need an actual return address, but I refuse to pay over {$600.00} for plastic garbage from XXXX with paint all over it.
Product: Credit card or prepaid card

Hello, Reference case XXXX. I have new information. 

NFCU has no respects for your agency and even less for a consumer like me. I submitted case above on XXXX XX/XX/2020. When the systems said NFCU was still looking into it. I took it as truth and waited. 

NFCU had already made their decision XXXX XX/XX/2020 which I wrote a response to their decision on XXXX XX/XX/2020, before I filled the complaint. See attachment 'Letter to NFCU. 

On XXXX XX/XX/2020, I inquiry on the status of the dispute. See attachment 'NFCU response ' screen capture from their messaging system. They don't allow things printed from their messaging system. They have made up their mind but have not updated your system. They have made up their mind back in XXXX XX/XX/2020. 

NFCU has collected money for a merchant who charged me for things to this day I do not have. The proof the merchant provided to NFCU was an invoice for items not sent to me but an address I don't know and signed by someone I don't know. I never authorized it sent there nor received by this person. Yet, this bank thinks that it should collect money for this merchant and have me pay for it. 

V/r,
Product: Bank account or service

I think Synchrony Bank needs to be investigated. For XXXX the late fee they charge is astronomical its around {$30.00} and I see some fraudulent and deceptive business practices. I 've seen that other customers are being treated unfairly and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5800.00} ). Its been over XXXX days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 : Inquiries : XXXX OF XXXX XX/XX/year> 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 CREDIT BUREAU 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 reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony viol
ations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX XXXX ) XX/XX/year>
Product: Credit reporting or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

First Progress Card XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 )