23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After investigating my credit report, I have found inaccurate information. I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this complaint with written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Credit reporting

I have contacted equifax credit collection agency four times regarding this issue and disputed it. They refuse to remove in the comment sections, " consumer disputes, reinvestigation in progress ''. There are XXXX entries from XXXX and XXXX entries from XXXX XXXX XXXX. I am trying to get an FHA mortgage and close on a loan in 2 weeks. Their guidelines state I ca n't have any open disputes on my credit report. These XXXX creditor have XXXX entries together. I have not done business with these creditors since 2011. My loans were transferred or sold by them to another lender. I just need the words " consumer disputes, reinvestigation in progress '' Please have them remove them asap so I can get my home loan. I do n't want to lose a home I really want to own. I have a really good credit score. When I call equifax I get someone in XXXX. They ca n't understand what I say. Please help me. I have attached the XXXX entries. Please see what I am looking at in the comments section.
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX, I tried to make 2 deposits on the Chase ATM located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MO. The first one is {$2000.00} and it was successful. Then I continued to make the second {$2000.00}, consisting of XXXX {$20.00} bills. But this time, it showed on the screen something went wrong and I need to call the bank. After that, the receipt was printed out and I found only the first {$2000.00} shown on the receipt and my bank balance. But the ATM didn't give back my {$2000.00}, it ate my second {$2000.00} deposit and the ATM machine also stopped working. It showed " right now, this ATM can't ACCEPT CASH DEPOSIT, ACCEPT cash payments, Dispense cash ''. I know there is something wrong with the ATM 'S cash system. I called the bank and the representative kindly told me it was not a big deal and the money will back to my balance. The next day, I checked back the ATM and found it was back to normal. I think someone must come and got it repaired. I continued to wait to see my balance be updated but when I called in today, I am so surprised that the bank denied my claim. 

They sent out a letter that said : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 

But I deposited {$2000.00} twice, a total of {$4000.00}. I only saw the first {$2000.00} in my account now. The claim number is XXXX. 
I thought it should be a easy case since at least there is a monitor the Bank can see me putting {$2000.00} twice into the ATM machine and didnt get my money back after things happened. FYI, I was in a car when I made the deposit. Also, I took a picture that showed the ATM was down and can not process my request.
Product: Student loan

Today on XXXX  around XXXXXXXX XXXX XXXX I was discussing an issue with my PSLF counts with a representative from student aid.gov. My account was mistakenly put in forbearance for XX/XX/year> and therefore that month did not count towards PSLF pending verification of employment. My servicer XXXX does not show a forbearance ever on my account. When I tried to get more information the rep said he needed my FULL SOCIAL SECURITY NUMBER in order to verify my account and give me more information about the forbearance. I have never been asked to provide a SSN in order to verify my account and when I asked to just give the account number he refused stating he needs the SSN. I did not provide that information. I am concerned about fraud and identity theft coming from employees at student aid.gov. The rep stated that it was POLICY that he ask for the full SSN which seems odd that the federal government would have such a policy for account verification. Secondly, Im concerned that I was put in a forbearance for the month of XX/XX/year> that was purely administrative as it was due to being transferred from XXXX to XXXX  against my will as a matter of federal policy and 2. The forbearance is only showing on student aid.gov website and not on my servicer XXXX  website. My account has always been current since the first payment was requested by XXXX  on XX/XX/year>. The rep told me to fill out a PSLF reconsideration form but that it would only look at the information provided on studentaid.gov. Therefore I asked if studentaid.gov says I have a forbearance but my servicer XXXX  says I do not based on my online account, then will you talk to XXXX? The rep said that he could not. The rep also said that after I fill out the form and it is deemed a forbearance was applied in error that they COULD NOT go back and remove it and have XX/XX/year> count as a qualifying payment. The rep could provide no other information. I want CFPB to look into both of these issues- the SSN request and the forbearance issue- and remove the forbearance on XX/XX/year> and deem it a qualifying payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the student loans off in full XX/XX/2020. Great Lakes reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma advertised a new product this year, Credit Karma Tax, as No upsells. No hidden fees. Free for everyone. Truly free from start to finish. We have absolutely no upsells or fees. Everythings included. However, when attempting to sign up, they require a phone verification step. I entered my phone number and was met with an error message We dont support this phone type. Please enter a valid mobile or landline phone number. [ Screenshot available. ] The phone number, which is the same one as on this complaint and on my account, is perfectly valid and you can call it to reach me when I am available. However, it is not from one of Credit Karmas preferred providers. In order to use their service, falsely advertised as noted above, one MUST purchase contracted phone services from one of Credit Karmas preferred providers, and pay for that.
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The page requiring this phone validation has a note that says Do n't have a phone? Contact Member Support so I did, and was told that theres no other way around it, I just have to get a phone from one of their preferred providers in order to use that system. That is an upsell, a hidden fee, and it makes sure that access to the system is NOT free for everyone.
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Customer Support wrote, We do our best to balance your security with efficiency. Im not able to bypass this security procedure. We sincerely apologize for any inconvenience. This does not account for the continued false advertising, which they should STOP.
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Imagine if I made the same advertising claims for some software I offered, but then if someone actually tried to use that " free for everyone '' offer I 'd let them know that it 's actually only available to members of  XXXX  - for security purposes, because those people have been screened to my satisfaction. The initiation fee to join that club starts at {$200000.00} plus annual dues, but once someone has paid all that s/he wo n't have to pay anything more for my software. Would you say that 's really " free for everyone? '' What Credit Karma is doing here is the SAME principle. The eligibility pool is larger, and less expensive than   XXXX   to get into, but still not cheap and definitely not free. They CAN NOT make the assumption that everyone has a paying account with one of their preferred providers, and if theyre restricting usage to only their customers that should be reflected in advertising rather than the current false statements.
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I tried making this point to the company directly, and going through BBB, but they just did n't respond, because false advertising is more profitable and not penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't understand why my credit score keeps going down when l have less debt. Why do transition an equafix lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX  point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of inaccurate, incomplete, or otherwise non-compliant information from my credit report. Federal and state regulations mandate that all reported data must adhere to standards of truthfulness, fairness, accuracy, timeliness, completeness, verifiability, and compliance with reporting requirements. Any deviation from these standards, whether by negligence, willful non-compliance, or reckless oversight, constitutes a violation of these obligations. 

Specifically, the Consumer Data Industry Association 's ( CDIA ) CRRG Manual outlines these expectations, emphasizing adherence to XXXX XXXX Format standards for accurate reporting. It is unacceptable for unverified or improperly validated claims to persist on a consumer 's credit report. Reporting entities and repositories have a legal and ethical obligation to ensure the highest integrity in their reporting processes. 

Failure to establish compliance with these established standards undermines the rights of consumers and may result in undue harm. As such, I INSIST that you take the following actions immediately to remove the disputed information detailed below. 

Items in Dispute : XXXX. Name Variation ( Also Known As ) : XXXX XXXX XXXX This variation is inaccurate and should be removed immediately as it is not a valid identifier for me. 
XXXX. Unverified Inquiries : The following inquiries appear unsubstantiated and lack the required lawful Permissible Purpose : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Action : Remove immediately XXXXXXXX XXXX Date : XX/XX/XXXX Action : Eradicate immediately XXXX XXXX XXXX  Date : XX/XX/XXXX Action : Block immediately XXXX XXXX  Date : XX/XX/XXXX Action : Remove promptly XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Action : Dislodge immediately XXXXXXXX XXXX Date : XX/XX/XXXX Action : Delete immediately XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Action : Erase immediately XXXX. Alleged Charge-offs : XXXX XXXXXXXX XXXX XXXX This charge-off is inaccurate and unsubstantiated. 
Action : Remove immediately XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  This charge-off is inaccurate and unsubstantiated. 
Action : Remove immediately
Product: Debt collection

I pulled my credit report and realized that I somehow did not get any notifications about XXXX that my payments each month were not going through. fast forward I tried to pay XXXX  directly but they said it went to a collections management company true accord. I paid true accord after they sent me a settlement offer since the account was around XXXX years of age. I waited a few months and to see if it would update with payment less than full balance settled account. However now they are saying they do not manage my accound any more and to reach out to XXXX again. I tried to contact XXXX  and they tell me each time that true accord still has my account. They ( trueaccord ) are misrepresenting what they offer and lied to me to pay on the account. My credit is now showing I have a past due balance of XXXX when it should be settled less than for like they agreed to and sent me a link to pay the balance for an offer they can not even help me with. Honestly True accord and XXXX together should both be investigated! XXXX for not getting a better way for you to get ahold of them, and True Accord for not sticking to their word and processing the information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Reported : XX/XX/2019 + {$81.00} Needs Attention XXXX XXXX XXXX  {$880.00} XXXX XXXX {$230.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$84.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely XXXX, XXXX and TransUnion, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Product: Money transfer, virtual currency, or money service

I had a fraudulent activity with a XXXX transaction. I contacted td bank immediately to let them know that I was part of a scam through which my XXXX account was charged. After filing a complaint and providing all the necessary information td is refusing to credit my account
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. 

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 XXXXXXXX 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 ) (! ) A person shall not furnish any information relating to 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

I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

XXXXXXXX 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

I have been a victim of identity theft for over 21 years. I am trying to purchase a 3 in 1 credit monitoring product from equifax consumer services, however my attempts have been unsuccessful due to the fact that my file is being handle by Equifax Office Of Consumer Affairs. This department is not helping me to stop the identity thief from viewing and accessing my credit file online. I do not wish for the office of consumer affairs to no longer handle my credit file at this point an time. There services just do n't work. With me ordering the equifax 3 in 1 credit monitoring product, will allow me to better monitor my credit file as well as lock and unlock the file at anytime, keeping the identity thieves out. Please assist me in handling this request as soon as possible please. 
Thank You, XXXX XXXX
Product: Student loan

I had my student loans through Navient and they continuously, over the course of several years, kept offering me forbearance via email whenever I went delinquent. They did not attempt to give me other options. It was not until I started working for a XXXX XXXX XXXX myself that I learned what my options were and acted accordingly. I have transferred my loans to another servicer and am now on an IDR plan so I can make payments I can afford.
Product: Mortgage

I have a mortgage with TD Bank for many years. In XX/XX/, I opened checking and savings account with them. The TD Bank decided not to close my banking accounts. Even though my loan was not in any form of default, TD Bank terminated my online access for me to view my loan status because it was linked to banking accounts. I have no problem they do not want my banking relationships, but I need to gain access to online to see if my payments were made, my escrow balance, etc. 

TD Bank is committing a predatory lending and in violation of Fair Housing. They want to me to wait for paper ( uncertified mail ) statements every single month and to call their loan department for payments. This is unduly burdensome and if I miss any payments due to postal service 's missed delivery, I would be in default and they can foreclose on me.