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

I have been sending in disputes to XXXX and Transunion regarding validating this bankruptcy because I saw inaccuracies and unauthorized public displays on how it was reported on my credit reports. Each time the bureaus sent me back a letter stating that the bankruptcy was validated with no proof of validation. So I did a little investigation myself and I wrote to the bankruptcy court to see if maybe the credit bureaus were not being honest in their methods of validation. They sent me a letter back stating that they do not disclose that type of information to XXXX, XXXX, or Transunion. So technically all XXXX credit bureaus lied to me about the validation even taking place. REPEATEDLY. XXXX is not even reporting it because they know it is a violation. I found this excerpt regarding the following information that is reporting : BANKRUPTCY DOCKET # XXXX According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). The bankruptcy that is listed under DOCKET # XXXX needs to be removed from my XXXX and Transunion credit reports.
Product: Debt collection

The XXXX XXXX  popped up on my credit report on XX/XX/2018. Its says I have an account that was opened with XXXX XXXX XXXX on the same day in the amount of XXXX. I have tried to call the company to see where the account came from but all I have gotten since calling is only music playing. This has dropped all of my scores on my credit report by 42 points and I'm trying to by a home. I have never had an account with XXXX XXXX XXXX. Please help me. I have looked them up online and it says the company is a scam. Please help me. This has set my family back. Thank you.
Product: Money transfer, virtual currency, or money service

I filed my taxes with the IRS and requested an electronically deposited refund. I provided them with one of the routing numbers made available to me via the Bank of America mobile application tied to my accounts with them. The IRS confirmed that they sent my XXXX tax refund electronically on XX/XX/XXXX. I spoke with several representatives at Bank of America on XX/XX/XXXX and XX/XX/XXXX. During those conversations I was told that the funds would be converted from wire to ACH and be deposited into my account. When the funds were still not deposited, I called back to get additional information. I'd confirmed with the IRS that I'd given them my correct savings account number and routing number. When I spoke with Bank of America again, I told them which account numbers I'd provided to the IRS and was informed that because I'd given the routing number for wire transfers, they'd rejected the payment back to the IRS. At this time I have to wait for the IRS to issue a paper check and it will take approximately 5 weeks because a banking institution who's job it is to send and receive money, chose not to receive mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account does not belong to me and it recently appeared out of nowhere on my credit report. Please delete this asap as I have included the identity theft report. 

XXXX XXXX XXXX Account Number XXXX XXXX Account Status XXXX
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.

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 XXXX5 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 or other personal consumer reports

I reviewed my report snd noticed fraudulent activity on there please remove all fraudulent accounts as it is hurting me from obtaining credit as well as violation.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I graduated college XX/XX/XXXX and acquired several student loans with my parents in order to qualify for my financial aid. At first I chose to defer the loans when they were with XXXX XXXX. XXXX XXXX had my loans grouped into XXXX groups-Department of Education, Federal, and Private. After paying for several years the loans were transferred to Navient, which has been a complete nightmare. XXXX XXXX was bad, but Navient is absolutely awful. My main problem is that I have a very high amount of debt that is privately held, which there are little to no options available to me. When I heard the CFPB was involved in a lawsuit with Navient I needed to voice my concerns. I feel like I literally will be working my entire life just to pay them off. My loans are now in XXXX categories similar to that of XXXX XXXX. I was in a car accident XX/XX/XXXX and fell behind on payments. After months of negotiating and seeing what I qualify for I had to give Navient my bank statements and my parents. They went line by line and questioned everything. One of the representatives even said " Wow that is a lot of money to be spending at the gas station. '' She was referring to my father 's account as he drives from XXXX to XXXX every day for his job. I finally was approved for a rate reduction program for the Private loans and placed the other loans on Forbearance due to hardship. To this day we receive stacks of mail correspondence, daily phone calls, emails, etc. even though everything should be up to date. I have had a breaking point as I realize that now at XXXX years old with almost 90 % of my debt privately held I will never be able to qualify for a mortgage, it has ruined my credit, and my payments are always messed up. I do not contest the fact that I owe money for my education, but coming from a banking background I find it amazing that a loan was underwritten for the price of a home at the ages from XXXX-XXXX, but could not legally get a credit card. I often wonder how did they per-qualify us for these astronomical amount of debt? I would really like to continue to my life, pay off a fair amount, and contribute to our economy as I move forward in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and found that XXXX XXXX XXXX, XXXX, and CREDIT PLUS all did a hard pull in XX/XX/2017 without my permission or knowledge. It will take two years for this to be removed unless they each remove it.
Product: Credit reporting or other personal consumer reports

So i had called XXXX XXXX Experian multiple times from XXXX untill now 1. you have the wrong address on my credit report i never lived there.at XXXX XXXX 2. they told me this would be off my report with the XXXX XXXX i paid them 3. you guys have alot of things wrong like XXXX  we were doing a pay out with XXXX we called XXXX with XXXX on the phone they were requesting the transfer pins to switch our numbers over. Then XXXX gave our numbers away to people we dont know not the transfer pin. to XXXX XXXX like they should so there fore XXXX couldn't buy them out because they didnt get the transfer pin for the numbers and to pay XXXX we would of just paid the remainder were still with XXXX i have too phones that i had bought from XXXX however we went to the corporate store XXXX said they should take some responsibly they gave there numbers to conatct they didnt agree with coorprate so i called u guys now im filing a complaint i don't think we should have to pay over XXXX to XXXX doallers because we could be getting charge for other people that have our numbers. plus we could of bought it if XXXX had been reasonable. 
4XXXX a division of XXXX .i was in the hosptial i had paid all my perosnal line credit off i ask for them to clsoe my accoutn they never did i been using it ever since trying to pay them off. im trying to see if there a settlement i work with pay lesser amount. 
5. last but least if someone can work with me that be great i been trying to buy a house and car i need my information updated and my credit score up. im single mom i can only affrod so much im trying really hard to manage these things work with you guys and all i ask is to please take in consideration my situiti\oun please help if u can.
Product: Student loan

I applied to switch my repayment plan from SAVE to IBR repayment plan on XX/XX/XXXX so I can continue to pay my loans. I have seen no movement on that. I was told they only started processing applications on XX/XX/XXXX. While I understand that, I asked customer service about a recent email from the Department of Education that was sent on XX/XX/XXXX ( Subject line : Update on the Saving on a Valuable Education Plan ) that states : " If you submit an application to enroll in an IDR plan other than SAVE, but your loan servicer is unable to process your application within 10 business days of receiving the application or before your next billing statement will be sent, you will be moved into a processing forbearance for up to 60 days. During this period, you do not have to make your monthly payments on your student loans, interest is accruing, and time spent does provide credit toward PSLF* and IDR. '' I was told that MOHELA could not move me from SAVE forbearance, although this email from the Department of Education stated that my servicer should move me as it has been XXXX business days since XX/XX/XXXX ( when I first applied to IBR ) and XXXX business days since MOHELA says they were able to start processing applications. I was transferred to another customer service agent at XXXX XXXX on XX/XX/XXXX ( after being on hold for nearly two hours to even get to the first customer service representative ) to get further information. I was told the wait time would be XXXX hour and XXXX minutes. It is the close of the business day, and I have never received a call back. I will have to call again tomorrow, or the following day, and continue to wait hours on hold to try to get an answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted dispute letters to XXXX, Equifax, XXXX, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports.

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus. 

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports.

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy.

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a refinance on a XXXX dollar loan they ended up changing it to a payday loan ended up getting XXXX hundred more with a outrageous interest nothing of the sort was indicated at the time of application I called to cancel the additional amount added to the loan they told me I had to pay the total balance in full in order to cancel the contract there was no cooling off.All the loan amortization was after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct XXXX XXXX which are a violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any notice stating such for a statement.
Product: Debt collection

This company called MIDLAND CREDIT MANAGE says that I have multiple accounts that are owed and they have failed to provide me on how I owe these accounts, I honestly don't know where they came from.
Product: Checking or savings account

XX/XX/XXXX notice to resolve issues with deposits. XX/XX/XXXX no updates followed, when contacting they would not disclose when system would be fixed, if funds were safe and secure, when they would be available. Following into XX/XX/XXXX no updates from bank have come through. I have early deposit set in place through them and no deposit has been placed into account on early, or day of final check deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained with the Credit Reporting Agencies ( CRA 's ) regarding the FCRA requirements that the CRA 's investigate for completeness and accuracy. The CRA 's reply on all complaints that " they will enter my dispute into their system and review all information ''. This isn't an answer but a way they blow off complaints and look like they are doing their job..
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

Sent a request to validate debt to Arc Management group on XX/XX/2021. Tracking shows they received my request XX/XX/2021. Did receive response from Arc Management until XX/XX/2021, and the letter they sent me contained nothing but them saying " they are not required to keep detailed files of the alleged debt '' this provides no proof of debt and proves nothing of the alleged debt. I would like this removed from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection accounts with Experian for several attempts, to no avail XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.
Product: Checking or savings account

In XXXX of XXXX, my personal services was required and I was payed by different people a total of XXXX in oayments fo XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 

Since the payment was sent under the name of the person and not my actual name by accident due to a form error, captiol one has held this money in my account providing interest for going on 3 yewrs without letting me withdraw the funds. 

Therefore, Iam seeking to have the withold removed to reclaim my lost money, which i paid taxes on, have to report for my debt to income ratio as well as have been denied benfits for having an account under my name have over XXXX in it. 

Capitol One after three years of holding my money on an account which had no request by an of the people to return the funds, cancel the payments or file a dispute has insisted to claim i am a criminal and hold the money i definitely and it is current XX/XX/XXXX and it has been in that account for them to use to gain interest since XX/XX/XXXX.
Product: Debt collection

Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their unlawful debt collection practices and theft of my personal checking account. In Chase 's response to the CFPB and provided unlawfully, to the XXXX XXXX XXXX, Chase sent response letter 's of blatant lie 's ( via XXXX, located in Chase Executive Office ). JP Morgan Chase, response letter 's are being DISPUTED ( via this filing ). Further, it is important to document, that I NEVER included the XXXX XXXX XXXX in my filed complaint ( above ). Nor, did I file the XXXX XXXX XXXX as my representative 's with Chase or the CFPB. Therefore, I am DISPUTING Chase 's unlawful practices and I am reporting Chase and XXXX 's repeated violation of my civil rights. Further, in Chase 's response letter 's of lies, XXXX documented : " We take complaints that claim discrimination very seriously and investigate them thoroughly. We do not tolerate any form of discrimination as it is strictly against our policy and contrary to our corporate culture ''. However, Chase have in fact continued to practice repeated discrimination, harassment and reprisal/retaliation against me for my previous CFPB filing 's. They violated my privacy rights by sending information to the XXXX XXXX XXXX which have absolutely NOTHING to do with my filed complaint ( above ) and doesn't represent me in my filed CFPB complaint. Chase unlawfully debted and stole monies from my account to pay another persons debt owed to them ( which I have no knowledge about ). Chase 's unlawful debt collection practices, caused the unlawful NSF 's charged to my personal account. Chase, eventually removed ALL of their unlawfully charged NSF 's wrongfully assessed to my personal account.The person, and their debt do NOT make transactions to my personal account. Therefore, Chase and XXXX knowingly and intentionally violated my civil rights and practiced unlawful DISCRIMINATION towards me and my personal account. Today, Chase and XXXX have continued to practiced unlawful DISCRIMINATION against me and my personal account by internally changing my personal PIN to my account to pervent me from accessing my account. On or about XX/XX/2018, I visited a local branch and changed my PIN to my account. Chase, internally and unlawfully changed my PIN back to the " old '' PIN number. Recently ( last week ) I was unable to access my account due to Chase 's  ongoing and practiced DISCRIMINATION/HARASSMENT/AND RETALIATION practiced against me in response to my previous complaint filing 's with the CFPB. ALL SUPPORTIVE DOCUMENTATION WILL BE SUBMITTED TO THE CFPB VIA FAX.  ALL SUPPORTIVE DOCUMENTS AND FILINGS ARE STRICTLY FOR THE CFPB USE. NOT TO BE USED OR COMPRIMISED IN ANY WAY BY CHASE OR THEIR SUBSIDIARIES. THE END!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account balances are out of date and incorrect. This impacts correct information providing input to lenders and the critical calculation of debt to income scores. That alone can pose a negative adverse action of unfavorable rates and terms upon both me and my spouse. The sad fact is these companies are allowed under current law to continue this facade without fear of any retribution for providing that incorrect reporting. By their own admission they are months behind and banks have no law that forces correct and prompt updating of positives, although significantly negatives are posted immediately and errors take months to correct. Sadly by opinion of experience when you deliberately and knowing present false or inaccurate information for consideration under the guise it is correct you have committed fraud. They who allegedly supervise, regulate or define themselves as protective agencies are by nature of non action complicit and accomplices to that deception. Certainly consumers are not allowed under fear of penalty why should these lenders, banks and reporting agencies given a pass given all are ethical, honorable organizations? The facts are even after correcting known errors their reporting is still inaccurate and by fact of system design will ALWAYS BE SO. Hence our FICA and CREDIT scores are lower due to invalid debt to income calculation. Outcome- adverse results from lenders.