23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I did not know I had a payment due in XX/XX/2018 on the Citi Double Cash Card.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, my personal information was compromised, resulting in unauthorized accounts and inquiries that are listed below. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XX/XX/year>
Product: Debt collection

I regularly monitor my credit report. When I noticed a collection account from Stallings Financial on approximately XX/XX/XXXX, on my XXXX credit file. I then proceeded to dispute the findings, then my dispute was completed and was successfully removed from my file. Then I continued to monitor my credit and approximately in XX/XX/XXXX, a collection account appeared on my file under the name Stallings Financial yet again but this time under my XXXX report. I proceeded to dispute the collection account and then the item was not removed and remained on file. I am disputing this because it does not belong to me. What is puzzling is that the collection with Stallings Financial was removed from my XXXX credit report but not from my XXXX  credit report, there is an inconsistency and needs to be rectified.
Product: Debt collection

I have no knowledge of this debt. It is not mine. I do not owe this debt. I am a victim of identity theft and have already provided them with sufficient information. The individual responsible for the identity theft has already been arrested and found guilty in a California court. 
They are in possession of the documents but continue to report this as a debt to credit reporting agencies.
Product: Debt collection

I decided to get XXXX XXXX so I could start rebuilding and repairing my credit. Im about XXXX years ago I noticed that there was some faulty inquiries on my account, saying that I owed some bills that did not belong to me. I had also left a domestic XXXX and had some identity theft issues. I contacted the company themselves XXXX XXXX they said that it was for a XXXX XXXX that was opened on XX/XX/XXXX of XXXX I believe And I had already had a free phone through the government. I wasnt even receiving a phone I never purchased a phone and never got any phone service so it was very weird to me went through lengthy investigation with XXXX XXXX and XXXX and they finally decided the second time after speaking to that it would be removed and would not be returned to my account now all these months later, XX/XX/XXXX they entered it back on my account. And it dropped my credit by XXXX points.
Product: Mortgage

I contacted XXXX on XX/XX/XXXX and I explained to them in full detail that my home was in foreclosure and my sale date was scheduled for XX/XX/XXXX ... .I told them that I wanted to keep my home. I paid them {$2200.00} in XX/XX/XXXX ( drafted from my account ) for them to either stop the sale date or put it on hold to work out a loan modification plan. I was notified on XX/XX/XXXX that my home sold on XX/XX/XXXX and then they took another {$500.00} from my account in XX/XX/XXXX and stated they would try to have the foreclosure rescinded or get me cash for keys or a rent back option or they would file a consumer financial protection bureau complaint against them. Whenever I try to call or email or leave a voicemail with several individuals within this company ... .no one will contact me. No one EVER answers their phone, they have an answering service who ALWAYS transfers your call to a voicemail. No one responds to emails or voicemails until after it's too late. I have since closed my bank account to prevent them from drafting more money from it. To my surprise, I got a phone call from someone in the accounting department from XXXX today ( XX/XX/XXXX ) stating that my payment wasn't received ... .I explained to the gentleman all of my frustrations and told him that I would NOT pay them another dime for anything and he hung up on me. This company is a crook! I am currently 2 months into the 6 month redemption period of my foreclosed home ... ..I want some legitimate help redeeming my home! I want this company stopped once and for all and I want my {$2700.00} back please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I contacted Federal Student Aid and logged a complaint that my student loan has been forgiven through borrower defense however it is still showing a full balance on my credit report. Additionally, my account was never transferred from Federal Loan Servicing to Nelnet and I wanted to know about the finalization of my loan being forgiven and if applicable, any refunds that I am to receive. 
On XX/XX/2023, I received a reply from a representative of Nelnet, XXXX XXXX, that my request is being reviewed. I was informed to allow up to 30 days for it to be reviewed and if I have not received notification of review after 20 business days that I may check the status by replying to the e-mail. 
On XX/XX/2023, I have not received any updates from Nelnet in regards to my account and contacted XXXX via the e-mail originally sent to me as requested to inquire about my credit report, refunds, and account. 
On XX/XX/2023, I reached out again after not receiving a reply from Nelnet. I informed Nelnet that I have passed the 30 day period within the guidelines of Reg V for the fair credit reporting act and would like to at least know an update on my credit report since I believe Nelnet has violated Reg V guidelines. 

I am still waiting for a reply from Nelnet and therefore reaching out to CFPB for help.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I recently purchased a vehicle for myself to get to work and take my daily commutes. The person I co-signed with is insured and I was authorized to drive the vehicle but we really want to get my own insurance on the vehicle. On XX/XX/18 I called multiple insurance companies and they all refused to get me insurance coverage because an error with LexisNexis ' reporting of my public record. When the companies look into it they clearly see that the accident and driving record reported on my public profile are not me. I even have a legal state document proving no accidents on my driving record for the last seven years. The individual has a totally different middle and last name and lives in a totally different state. When calling LexisNexis there is a completed automated system and no way to converse with a person quickly. I can not refute this issue without my full report that must be mailed to me and I can not drive without car insurance. This is ridiculous that someone with a totally different name has somehow been mixed up with my profile. It's making my life a little XXXX   at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have attempted to contact Experian many times and each time my access to a human has been blocked by their automated system. 

I was able to get to a person twice. Once approximately two weeks ago, where the person said that they needed to delete my account and re-setup my access. He said I would need to contact them again in a few days to complete the process, as I would not be able to bypass the checks on my own. 

I called again today ( XXXX ) to complete the process. After a few attempts with the automated system, I somehow got to a person. They indicated that due to a failed verification, they could not help and that I should check my credit report to ensure that the information was correct. I indicated I could not get this information from their site and they referred me to annualcreditreport.com. When I tried to get my Experian credit report from that site, it indicated there was an error and I needed to call Experian. When I contacted Experian again, I could not get to a person despite numerous calls and verifications with the automated system. 

The company has made it effectively impossible for a person to contact them. There are no forms that can be submitted online, no phone numbers that don't go to an automated system and no email addresses to use. It has made it impossible for me to manage my account and services with this company.
Product: Mortgage

In XXXX of XXXX contracted with Security Services Federal Credit Union to finance the building  of my home. For the last 13 months I have been paying interest on a construction loan as my builder has not finished or been reasonable in a resolution. I have spent nearly {$40000.00} in legal fees, loan extension fees, taxes, and interest payments. 

I signed a one time close contract where my loan would convert to a 30 year mortgage when the construction was complete. During the building process I had challenges with the builder as he was having financial issues to finish the home. The builder is in default of the of Security Services Federal Credit Union 's contract following reasons. 
XXXX. Not providing change order request or approvals from the bank for any overages or any overages outside the contracted budget. 
XXXX. Completing the building process within the allotted contracted time. 
XXXX. Not completing the building process with quality industry standard workmanship. 

Furthermore during this process there were several inconsistencies in mistakes from Security Services Federal Credit Union for example .... I was told funds could not be disbursed to the builder because the builder didn't carry builders risk insurance even though I did. For several months I actually carried builders risk insurance and homeowners insurance simultaneously per the SSFCU 's request. Security Services Federal Credit Union has since apologize for this mishap. This caused delays with the building process and started a down hill snowball effect. Most recently on XX/XX/XXXX Security Services Federal Credit union offered to convert the loan for the amount that was used and rescinded that offer the same day. When I asked why this happened I was only told I must work things out with the builder. 

Security Services Federal Credit Union has stated that the loan must convert on XX/XX/XXXX or I must pay {$360.00}, full amount what has been used in the construction account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue with TransUnion has been present for 14 months. Calls made to TransUnion in order to resolve this issue took place in XX/XX/XXXX and most recently on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In the first call, I explained the issue I was receiving with my TransUnion Service Center Account. I am unable to complete any of the listed actions available : initiating a credit freeze, filing a dispute, submitting a fraud alert, nor can I view my credit report. I was assured that this issue would be escalated received a case reference number - XXXX. I was also told that I would receive a call back within 24 hours. I then submitted a dispute of personal information that I notified the agent I was able to see on my XXXX XXXXXXXX XXXX account. I was still unable to complete any actions, but I could see upon clicking the " Dispute '' option that it would not let me file an additional dispute because I currently had a dispute in process. 

In my second call, I explained that I did not receive a call back within the 24 hour window I was assured and I was now unable to see the status of the dispute I filed the day prior. My account remained in the same status it has- unable to complete any of the listed actions available, as stated in detail above. I was forwarded to the escalation team, however, the call was never picked up and dropped after I remained on the line to speak with the escalation team for 36 minutes. 

In my third call, I explained to the agent the results of the two previous calls I had with the two other agents. This agent then informed me that my account has been flagged with error XXXX, and that there are two reports with TransUnion that are under my name. It was also explained to me that the two accounts need to be merged and that the escalation team would be the only team able to do so. I then also attempted to initiate re-filing my personal information dispute, but was unable to do so because the agent informed me that I answered a security question incorrectly about the provincial area where I currently live. Where I currently live does not have any provincial information listed, of which I informed the agent. The agent let me know that this would have to be further disputed with the escalation team and that they would be calling me between 3-5 business days. 

Again, as this issue has been present since I created my TransUnion account in XXXX of XXXX, I have been unable to take any action regarding my credit report with TransUnion for 14 months. This is a direct violation of my rights under the Fair Credit Reporting Act, as I am not able to access the information in my file nor am I able to dispute incomplete or incorrect information.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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

Transunion displays innacurrate employer ( XXXX XXXX ) on credit report.
Product: Checking or savings account

A deposit was made to TD Bank with a check drawn on XXXX XXXX XXXX. The check was returned in error- with XXXX taking responsibility. The check was redeposited, and we were advised it would clear in 1 day ( We were not provided with a receipt showing the length of the hold ). Two days later, it was not cleared. I phoned TD Bank and explained what happened - I was advised the hold would be released in 20 minutes - maybe a bit longer. I waited 2 hours and went to a TD Bank branch to make a wire transfer - the hold was still in place. The TD Rep made some calls and re-entered a request to release the hold. Now I was told it would be REVIEWED within 2 to 24 hours. 

Because XXXX incorrectly returned a check, TD Bank returned an ACH debit from XXXX. I promised XXXX I would wire the funds today based on the initial information supplied to me by TD Bank. I called TD Bank again, and all I got were apologies and explanations. They were unwilling/unable to rectify the hold on my account based on the information they provided. The employees either don't know their policies or serving their customers is not a top priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with Navient ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called Navient several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called Navient to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XXXX XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but Navient did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can Navient fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft. I noticed that someone opened credit card from XXXX XXXX XXXX XXXX without my concern. I've been trying to dispute the account with XXXX and Experian they denying since XXXX. I lost hope that they ever going to believe that was unauthorized ....
Product: Checking or savings account

I am self employed. Always had money in my banking acct. My dad just had a XXXX and i was helping my mother financially. My balance was too low and was waiting for a client to pay me. By then my bills that that are on auto pay started withdrawaling from my acct and started to receive insufficient funds. I just deposited money to my acct to get back on track. When trying to use my debit card it was declined. Calling the bank told me that my acct has been closed. Trying to resolve this issue they said there is nothing i can do. I told them why did the ATM take my deposit if my acct is closed. Doesn't make any sense. I told them who can i talk to. They said no one. That i have to wait XXXX XXXX days. I told them i have no money because i just deposited it in the ATM. This is very stressful now. Just because of some over draft fees. When they see that my acct always had funds and still has funds. I need help with this matter..
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Covington Credit, I would like to inform you of the inaccurate reporting on my credit file. I never authorized any accounts with Covington Credit. If Covington Credit has the right to report this account to my credit file I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681, and in pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with XX/XX/XXXX. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my public consumer credit file. All information in pursuant to the FCRA section 609. Please provide all records in regard to FCRA section 609.

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurate information be immediately removed from my credit file.

The Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.