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

Since XX/XX/XXXX Equifax has reported incorrect information. I contacted them ( XXXX on XX/XX/XXXX and I was assured that the information on XXXX XXXX ( XXXX ) wasn't the correct score, but my score was higher in Equifax system and was told to check it there. After signing into my Equifax account the score was the same. Since XX/XX/XXXX I have made ( 2 ) payments and after checking today XX/XX/XXXX the score is still ( XXXX ). I spoke with XXXX and was transferred to XXXX XXXX XXXX XXXX @ XXXX. The CSR name was XXXX @ XXXX ; XXXX and the same statement was told to me that I heard on XX/XX/XXXX. I was put on hold and then the line hung up. Equifax has documented untruthful information and my account with XXXX XXXX, stating I had an increase on my account which was incorrect. It was documented by Equifax and XXXX and that I needed to contact my creditor which I did. I have never been late, always paid more, and paid 30 days in advance since the loan. Ally is currently doing an investigation into this. According to XXXX records I'm in good standing and they don't know where this information came from. XXXX and Equifax are reporting the same negative information. I've been 100 % on time with all my payments and pay more that what's due every month and to have a score of XXXX, I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO IGNORE MY LETTERS AND WILL NOT HANDLE THE VERIFICATION AND VALIDATION PROCESS OF MY ACCOUNT! 

THEY CONTINUE TO LIE ABOUT A PUBLIC RECORD ON MY ACCOUNT AND THEY ARE SAYING THEY FOUND IT ON XXXX AND THE BANKRUPTCY COURT! 

I HAVE ATTACHED PROOF FROM XXXX XXXX AND THE BANKRUPTCY COURT THAT NO DATA HAS BEEN PROVIDED! 

I WANT THIS PUBLIC RECORD REMOVED IMMEDIATELY! MY RIGHTS ARE CONTINUALLY BEING VIOLATED AS A CONSUMER!!!!!!!!!!!!!! 

THEY ARE IN VIOLATION OF THE FOLLOWING AND WILL BE HELD CRIMINALLY LIABLE OF EACH : 15 USC 1681a ( e ) -NEVER VALIDATED MY INFORMATION!

15 USC 1681b ( a ) ( 2 ) - STOLEN IDENTITY, NO PERMISSIBLE PURPOSE TO FURNISH MY DATA 15 USC 1681 ( a ) ( 4 ) - VIOLATING MY PRIVACY RIGHTS 15 USC 1681i ( 5 ) ( B ) - REINSERTED PREVIOUSLY REMOVED DATA
Product: Student loan

Received a private student loan from XXXX XXXX Bank in XXXX 2006 for {$29000.00} to attend XXXX school XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, LA. The loan was promoted to me through email and the lender did not go through the school. I received a summons from XXXX Alabama XXXX XXXX Court XXXX, 2014 stating I was being sued by National Collegiate XXXX XXXX Trust claiming I owed them {$60000.00}. I challenged the claim in court representing myself. I argued that they had no proof they owned or was assigned the loan. They submitted bogus business documents and produced a witness in court from XXXX XXXX XXXX claiming they were authentic. They never produced any authentic documents that proved they were issued the loan or bought it. The judge ruled in their favor a judgment against me for approximately {$49000.00}. I ca n't afford an attorney as I have been quoted {$4000.00} and up to help defend me. Also, since National Collegiate has numerous debt collectors, XXXX of their collectors have been reporting the same debt on my credit history and has made it appear that I owe XXXX separate debts and has severely limited my ability to borrow money.
Product: Vehicle loan or lease

They charged my loan off cause I was struggling to pay it but I will when I get on ssi or the VA stuff right now I can't work
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX and Transunion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes for my loan with CNAC through XXXX  3 times and it is still reporting incorrectly. It is showing up as a repossession and discharged in a bankruptcy. This car was not repossessed for more than 2 days. 

This is causing me financial damages due to my credit score dropping. 

It states that the account was closed on XX/XX/XXXX and opened on XX/XX/XXXX. It is also reporting as closed and paid off XXXX XXXX 

The last report was XX/XX/XXXX ; however, I have been making payments since then. 

Based on how they are reporting, they are collecting a debt on a vehicle loan discharged in a bankruptcy which was XXXX XXXX paid off.
Product: Mortgage

I was working with a XXXX XXXX from XXXX. I was sending payments each month with a promise of a reinstatement of my loan. I paid over {$7000.00} to the company and my home was still foreclosed on. The bank took possession of the property XX/XX/XXXX and this company still took payments from me XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX stated they have deleted my file and he has since changed his phone number. Last week XXXX XXXX stated he not longer works for me and to stop calling him. My mortgage company did not receive any of the payments I made to XXXX XXXX. I had paid fromXX/XX/XXXXhe email we were communicating also no longer works.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

Hello. I received an invitation from Chase Bank with what appears to be a pre-approval invitation to the bank. Once I applied, it said denied. The invitation clearly makes the consumer believe that he or she will be approved for the card. After speaking with the supervisor, he apologized for the marketing error but would not remove the inquiry from my reports. I would like them to be removed.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a XXXX XXXX XXXXXXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts 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

Someone unknown hacked into my credit accounts with the XXXX Credit Bureaus, lifted the freezes I had in place, changed my username and passwords and email address so only they could access my accounts. They then stopped XXXX mail delivery to my address and set up a bogus XXXX XXXX XXXX account to control access to delivery information about my mail. 

They then tried to get a XXXX XXXX XXXX XXXX XXXX with my identity information and credit report information. 
I was able to get my credit reports frozen again with XXXX and XXXX after much work. But Experian was completely unresponsive and unhelpful. I could not even get access to live agents to explain my problem unless I pretended to be a XXXX XXXX from overseas ( Automated phone system will NOT give you a live agent. ) I am still not certain this unknown party can not still access my Experian Credit Account. 
I made reports to XXXX XXXX, to the XXXX XXXX XXXX MD police ( report # XXXX ) and the XXXX Inspectors ( reports # XXXX and XXXX ).
Product: Money transfer, virtual currency, or money service

We received a call from ( supposedly XXXX Bank of America on XX/XX/2022. They said our checking account was showing suspicious behavior that was not our profile ( gambling etc. ) They said it was so extreme that they enlisted the government " social security '' to work with us. The " government '' told us that we had three hours before the transfers could be stopped, or the money would disappear. They said that the government has demo accounts all over the world and that we needed to transfer out money to a Bank in XXXX XXXX. We transferred {$97000.00} to the Bank in XXXX XXXX. We then got another call on XX/XX/2022 and were told that out XXXX account had been compromised and that we needed to send another {$97000.00}, again a wire transfer to a Bank in XXXX XXXX. On XX/XX/2022 we received another call from " the government '' about our XXXX account and we transferred another {$77000.00} to XXXX. When all contact with the " goverment '' ended we realized this was a scam. I immediately called Band of America on XX/XX/2022, spoke with a person named XXXX, and explained what had occurred. She told me the {$77000.00} was safe because I reported it. The money went out the next day. There are XXXX claim numbers associated with this, they are # XXXX, # XXXX, and XXXX. While I realize that fault lies with us, I also believe fault lies with Bank of America. The branch where I went had been recently reopened. While not being critical of the employees I believe that Bank of America should have trained them better to recognize fraud. Very few questions were asked. I am a XXXX XXXX XXXX women. I do not believe that Bank of America did a responsible job in assuring that these transfers were legitimate. Also, when I asked if Bank of America would listen to the recorded statement where I told the person on the phone about the {$77000.00} I was told I would have to do something on my own to open the discussion. I honestly can't say if I was told to get an attorney, or something else. I have talked with Bank of America fraud department ( phone number XXXX numerous times and have gotten nowhere. I received a letter from Bank of America saying that the first claim I submitted ( # XXXX ) had been denied. Other than that, I have heard nothing other than my phone calls to Bank of America where there has been absolutely no resolution offered.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I filed a dispute about a charge I did not make on my TD Bank credit card. The charge was by XXXX XXXX XXXX  on XX/XX/XXXX for {$65.00}. I also attempted to contact XXXX XXXX XXXX at the phone number that appeared besides the charge XXXX but it said the number was not in service. So I looked up XXXX XXXX XXXXXXXX online and could not find a local place to call. Instead I noticed there were numerous complaints filed on the XXXX XXXX XXXX website. 

On XX/XX/XXXX the bank wrote to me asking for either " a copy of the credit receipt '' or " written documentation stating that the disputed transaction is to be credited to my account. '' I had just returned from a vacation and I did not open this mail until XX/XX/XXXX and tried to call but the dispute department was closed for the weekend. Over the weekend I attempted to send a fax 2 times, but there was " no answer. '' So I called first thing in the morning on Monday, XX/XX/XXXX and spoke to a " XXXX '' to ask " How could I provide these things when I had no idea how to contact the vendor? '' I told her I could send a letter stating that I did not make or authorize the charge. I tried to fax the letter 4 more times to 2 different numbers XXXX provided, but the faxes would not go through. I also went to a local XXXX bank and asked them to fax for me. They told me it did say " Fax sent '' on their computer, but they could not provide me with a printed receipt ( since it was all electronic ) but they showed it to me onscreen. Plus ( as a backup ) I mailed the letter on XX/XX/XXXX, and asked to speak to a supervisor to make sure it would be accepted. XXXX told me a supervisor would get back to me. Later that day I called and reached XXXX to tell her I had not heard from the supervisor. She said to be patient. When no one called me after 24 hours, I called back and spoke to " XXXX '' on XX/XX/XXXX. I asked if TD received my fax and she said faxes take 24 hours to process. When I told her it had already been 24 hours, she said it was not in my file. I told her I was supposed to get a call back from a supervisor, but no one called me. She said the supervisors were very busy, but she was noting my file and someone would call me. I waited patiently day after day for over a week and not one supervisor called me or confirmed receipt of my letter via fax or mail. Instead, today I received a letter written on XX/XX/XXXX saying that " We have attempted to contact you by phone and in writing to obtain necessary info ... and since we have not received a response ... we are closing our file regarding this matter. ''
Product: Checking or savings account

I am attaching a complaint which I submitted to NY Department of Financial Services, and they recommended I contact you because you are the regular of TD Bank, a national bank and you have jurisdiction over this complaint. Please find letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX OF XXXX XX/XX/2022,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in enrolled in a debt consolidation program with XXXX XXXX XXXX and 4 of my accounts were paid off under the agreement and the creditors are still reporting negatively. When I enrolled into the program it was suppose to help build my credit but it has affected me tremendously. I've disputed the results and nothing has change. What help is the program if it's not helping. I need help. These are the settlements that were negotiated, The accounts are XXXX XXXX {$4700.00}, HOME DEPOT {$1300.00}, XXXX XXXXXXXX XXXX {$1200.00}, and XXXX {$2400.00}. I can provide more documents if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXX {$5500.00} XXXX {$410.00} XXXX XXXX  {$350.00} XXXX XXXX {$410.00} XXXX XXXX XXXX$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified. I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the reporting of the closed credit card account referenced below, which is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). The account in question is being reported incorrectly by TransUnion, XXXX, and XXXX, and I demand that it be immediately deleted from my credit reports. 

Account Information : Account Number ( redacted for security ) : XXXX Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Current Status : Closed ( by creditor due to inactivity ) High Balance : {$580.00} ( TransUnion and XXXX ) ; {$500.00} ( XXXX XXXX Last Verified : XX/XX/year> Date Opened : XX/XX/year> to XX/XX/year> Date Closed : XX/XX/year> Balance Owed : {$560.00} Payment Status : Late 60 Days Discrepancies and Violations : Inaccurate Reporting of Credit Limit Under the FCRA ( 15 U.S.C . 1681c-2 ), a credit reporting agency is prohibited from reporting any credit limit for accounts that are closed, yet this account continues to report a {$500.00} credit limit despite being closed. This is a clear violation of the FCRA, as the credit limit reported is no longer relevant after the account has been closed. 

Failure to Correct Reporting of Account Status The account is marked as " Closed '' and the creditor 's remarks indicate that the account was " canceled by credit grantor due to inactivity. '' However, the account is still being reported with incorrect late payment information. Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when an account is disputed, the creditor must correct the inaccuracies within 30 days of receiving the dispute. This account contains several incorrect and outdated details, including the reporting of late payments ( 60 days late ), which should not be on a closed account if it was paid off. 

Inaccurate Payment History The account is reported as being 60 days late across all three bureaus, even though the last payment was made on XX/XX/year> for TransUnion and XXXX, and XX/XX/year> for XXXX. This inconsistency in reporting dates suggests an error or reporting delay and is misleading. 

Failure to Properly Verify Account Information The failure of TransUnion, XXXX, and XXXX to ensure the accounts information is accurate violates FCRA Section 1681i, which mandates that they must correct or delete inaccurate information when the dispute is validated. The creditor has not properly verified the account details, as evidenced by the inconsistencies between the three reporting agencies.

Credit Reporting Post-Account Closure FCRA 15 U.S.C. 1681e ( b ) requires that the information reported is accurate, complete, and up-to-date. Reporting an account as open with a credit limit of {$500.00} when the account is closed and no longer active is a misrepresentation and is a violation of my consumer rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies, Experian, XXXX  and XXXX  are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XXXX  reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.