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

XXXX Student Loans have been XXXX by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of XXXX loans, and be able to update credit files expeditiously. I have submitted all XXXX bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX CREDIT REPORT TRANS UNION, XXXX AND XXXX. Before I had this to my currently lawsuit against XXXX of you all.
Product: Checking or savings account

On XX/XX/XXXX I returned shoes purchased online through XXXX. I have purchased from this online retailer in the past and have also made returns with No encountered issues ever before. I have always used the same account to pay. On this occasion I used XXXX pay - but all of my XXXX services and XXXX account are linked back yo the same checking account/debit card. 

However on this occasion after I dropped off the shoes at XXXX per XXXX return mechanism, I later got an email stating that my refund had been declined. I spent over an hour on the phone with XXXX and also contacted XXXX pay who both felt that my bank was the issue. 

At no time did I receive any sort of verification request from my bank for the transaction- as banks do with suspected fraud. Nothing via phone text or email from Ally ( my bank ). 

I called Ally ( my bank ) this morning and the representative, although very polite, offered no real explanation as to why this had happened or assurance that it would not happen again. It was not until 45 minutes into the conversation that she honored my request to speak to a supervisor who I knew could at least maybe escalate the complaint. The supervisor was again very polite and did say it was declined for suspected fraud - but could not answer why I was not contacted to verify the transaction. 

I know that fraud protection exists to protect the consumer but in this case I, the consumer, have been hurt by this. Due to XXXX policy of not issuing a second refund I have to wait 8-12 weeks for a paper check. This could all have been avoided if someone would have put the customer first. 

Because of this mess and no one willing to take ownership I am out of pocket almost XXXX XXXX for 8-12 weeks, which is unacceptable. For some people that amount of money would be the difference between being able to eat/pay rent or not. It is a lot of money and could be earning interest. 

Ally should have a more humane process to verify suspected fraud if that is the case. I could have verified this in a manner of seconds had they contacted me instead of arbitrarily deciding that the transaction was bogus with allowing me no input. They certainly did not hesitate to take the money out of my account on the purchase end. 

Since Covid I do not like to go into public or stores unless I have to. Besides, I have difficult to fit feet and needed shoes for an event. As Ive done in the past, I ordered some and sent back what did not work. 

Again, Im a victim in this case.
Product: Vehicle loan or lease

In XX/XX/XXXX or XX/XX/XXXX I cosigned for an ATV loan with Yamaha at a motorcycle/all terain vehicle dealership for my nephew XXXX XXXX XXXX XXXX a 100 % XXXX XXXX XXXX veteran. XXXX was making timely loan payments up until his XXXX on XX/XX/XXXX. In XX/XX/XXXX his Executor and Estate were making good faith attempts and were able to clear up any debt with the exception of dealing with Yamaha financing that was then transferred to Capital One they refused to cooperate and refused to clear up the account or transfer ownership. His executor continued to make payments since XX/XX/XXXX. From this time of co-signing for the loan up until XX/XX/XXXX this showed on my credit report as cosigner for a LOAN. In XX/XX/XXXX, A statement arrived at my home address in my name solely from Capital one with a Credit card showing a balance of {$11000.00} and available credit of {$17000.00}. Immediately I noticed my credit score lowered and I received notices of lower credit from my own financial institutions due to the recent increased Credit. I called Capital one multiple times to ask how a loan turns in to a credit card and how they can list this on my credit as solely belonging to ME. They have no record of a XXXX XXXX nor of the original account. I really do not know what to do? I do not know how to rectify this and feel my rights as a consumer are violated, nonetheless their behavior at the time of clearing my nephew 's estate is now raised to an appalling level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit verification for the negative account on my credit but they send seemly did nothing to remove the wrongful account on my report. I disputed them through XXXX XXXX, and XXXX XXXX and they still failed to remove them. Some of which are even over 5 years. Please help. 
XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with TransUnion about XXXX XXXX Act # XXXX where the account was to be removed as it was agreed upon for payment in full ; however, INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. It was changed to Not Specified.
Product: Debt collection

I got car insurance for 1 month, it cost me XXXX , I canceled the very next month because of how expensive it was I went with a different company. The company XXXX XXXX XXXX XXXX, in XXXX, sd, sent me to a collection agency saying I owe them XXXX $ -- -Lamont , Hanley , & Associates , Inc. XXXX XXXX XXXX XXXX, NH. XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase for a pair of sneakers for my daughter through XXXX with an online seller. I never received the shoes and I paid the seller {$150.00} through XXXX. When I contacted Regions to file a claim, I was told unfortunately I am out of luck. The only way they would complete a claim is if it were a debit card transaction. I explained that I had not received the product but the representative stated it didnt matter because XXXX is a third party. XXXX is helping people crooks steal from innocent, hardworking people. It is not fair for someone to take money from me and I do not receive the product/service in return.
Product: Payday loan, title loan, or personal loan

I'm in the process of buying a house. On XXXX XXXX I signed a contract with XXXX XXXX company in XXXX  XXXX, VA. They were to do the title search then notify my mortgage broker when I was " clear to close ''. I received my " clear to close '' on XXXX XXXX from XXXX XXXX XXXX  XXXX. My closing date was scheduled XXXX XXXX, XXXX. On XXXX, I was notified that the seller had a paid off home improvement loan that was taken out in XXXX that never had a " release of loan '', therefore my closing has been delayed. I have now lost 20 hours of time and a half pay that I could have earned but turned down hoping to close on this house. I am already paying the utilities on the house as of XXXX XXXX to prevent any disruption in service and to protect pipes in the event temperatures drop. I feel the lender to the seller has not followed their commitment to the seller and my title company should have found this prior to the day before my closing. I will end up losing more earned income when all is said and done to rearrange my schedule as a XXXX  which is not an easy task. I look forward to hearing back from your agency.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   UNKNOWN {$6000.00} XXXX XXXX UNKNOWN {$3500.00} XXXX Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, 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 validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX : XXXX XXXX XXXX  : Contract XXXX
Product: Credit card or prepaid card

I have been unable to check my balance, pay for anything at stores, login to my account online or through the mobile app, go to an atm and pull money out all since XX/XX/01 for my american express serve card. When i try to login it says my password is wrong so i try to reset my password and it tells me that there was an error due to 10 mins of inactivity and can't log me in. Then when i try to call the card to get information it says my social can not be recognized so it has me enter my card number then says it can't locate and its transferring me to a customer service agent and i am only for hours upon hours just to be hung up on and not able to speak to anyone. I have a lot of money saved into this account. I chose this card as an option when doing my taxes because i was able to get my funds faster. I can not check my balance to know if my money has even been stolen or not or to see if transactions have been made and there has been no mention of it from american express no emails nothing on there website that is it. I am so afraid that my money got stolen and now i wont get it back.
Product: Mortgage

I notified my Mortgage Company, Freedom Mortgage, on Apr XXXX, 2016, that XXXX of my parcels taxes had not been paid from my escrow account. They ended up only paying for XXXX of them. Now my taxes have been sold at tax sale in XXXX 2016, and I have started the process of redeeming them myself. I have notified them, but I only get a boilerplate response that they have received my communication. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, places and abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re : incorrect information dispute for XXXX Account XXXX Trans Union has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute an unresolved issue regarding the investigation of a late payment dispute on my credit report. It has come to my attention that TransUnion has violated my rights by failing to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I submitted a dispute regarding a late payment entry on my credit report. As a responsible consumer, it is my right to ensure the accuracy and fairness of the information reflected in my credit history. I provided all the necessary supporting documents and requested a thorough investigation into the matter. 
Despite my efforts and your obligation under the FCRA, I have not received a satisfactory response to my dispute. The lack of a comprehensive investigation is not only a violation of my rights but also undermines the integrity of the credit reporting system. 
I kindly request that you rectify this situation immediately by conducting a diligent and unbiased investigation into the disputed late payment entry. I expect a prompt response detailing the actions taken and the outcome of the investigation. Additionally, I request the removal of any inaccurate or unverified information from my credit report, as per my rights granted by the FCRA. 
Please be aware that, as a consumer, I am well aware of my rights under federal law. If my concerns are not addressed adequately within [ 30 days from the date of this letter ], I will be left with no choice but to escalate this matter further, which may involve filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies available to me. 
I trust that TransUnion will take this matter seriously and handle it with the utmost urgency. Your cooperation in resolving this dispute promptly will be greatly appreciated. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Wednesday XX/XX/XXXX to dispute the loan balance showing on my credit report confirmation number XXXX. Citizens reported my balance as XX/XX/XXXX as {$26000.00} and XX/XX/XXXX {$26000.00}. This is a new car loan that was opened XX/XX/XXXX original balance {$26000.00}, so my balance should not be increasing. I made my first payment on XX/XX/XXXX for {$420.00}.
Product: Credit reporting or other personal consumer reports

my bacdkground check says that im a identity theft victim and the info about is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because, the three credit reporting agencies did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading, inaccuracies on my report. This is keeping me from obtaining credit.
Product: Debt collection

I keep getting over 5 calls daily, today I get a message from my brother in law that he got a voicemail from the same company attempting to reach me, they have called me on weekends, holidays, outside of normal hours XXXX to XXXX. This company keeps harassing me. According to the consumer laws and regulations a company shall not call more then 7 times in a week span they are definitely going beyond that, pictures have been uploaded I can go ahead and provide a log from my phone company upon request!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent In letter to credit agencies about deleting my wrong name my new name XXXX XXXX XXXX  XXXX XXXX And my only address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Nevada XXXX I would like XXXX XXXX XXXX deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and I see that there is a collection item listed that I'm not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this a violation of fdcpa and need to have account deleted.
Product: Credit reporting or other personal consumer reports

Checking my XXXX consumer credit report in XX/XX/XXXX I see that Bank of America, a company I have no contract agreement nor ever did any business with, is reporting a negative account balance and past due total of {$2100.00} to my credit reports, along with late payment remarks in XX/XX/XXXX, and XXXX XXXX. 

Previously, I disputed this account as it is not mine, and my personal information has been leaked in multiple large corporation data breaches since XXXX. 

The credit bureau investigations found that they were not able to validate this account, and Bank of America charged off and closed the account, and previously this was removed from my credit report. However, I see that this account is showing up again, without my authorization on my credit report and is reflecting incorrect and contradicting information including that the account is open with an unpaid balance of {$2100.00} with 100 % credit usage although the account status shows " closed '' and " charged off ''. 

Additionally, under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, and under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason. 

Therefore, I request immediate removal of all Bank of America accounts from all of my consumer credit reports and late payment history removed entirely. 

Lastly, I never gave Bank of America authorization to pull my credit report but for unknown and undisclosed reasons, so I request any inquiries by them to be removed from my profile immediately.
Product: Credit reporting or other personal consumer reports

I received my consumer report from this company and there are many violations of my rights as well as federal law.

Per 15 USC 6809 ( 4 ), nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

Per 15 U.S. Code 6802, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 
It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. 

All inquiries being reported are to be deleted from this report as it is illegal. 
The collections account from XXXX XXXX XXXX XXXX is to be deleted as it is a violation of FDCPA to report an account without proper validation of debt. I have not been contact by this firm and they have no valid claim. 

XXXXXXXX XXXX XXXX  is reporting late payments which is a violation of federal law. Transaction history can not be reported on a consumer per the Privacy Act of 1974 and 15 USC 1681 and 15 USC 6802. 

A charge off is considered a certificate of indebtedness which is considered income to the IRS. Income is not reported on a consumer report so both accounts in charge off status, XXXX XXXX XXXX and XXXXXXXX XXXX, need to be deleted from this report. 

I did not give any of these companies consent to report any of this information. I never gave Corelogic the right to report any of this information using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} ; XXXXXXXX XXXX