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

I am filing a complaint against XXXX, Experian, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Experian, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ). I request that the CFPB take action to ensure XXXX, Experian, XXXX complies with federal law and provides consumers with the necessary proof of investigation the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Experian, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Experian, XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX  onXX/XX/XXXX and on the XXXX   or theXX/XX/XXXXto dispute incorrect information on my account.  I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted XXXX  twice after, and to no avail.  I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month.  Might I add, you can see a copy of my payment information on the XXXX  website.Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately followingXX/XX/XXXX  I received information in the month ofXX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted the Main company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX CA to run my credit with over XXXX different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX CA dealership XXXX XXXX, and he did apologize and admits this was done in error, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquires on my credit report that were all done on same day XX/XX/XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries. 
Ally Financial 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 or other personal consumer reports

Currently working with a lender through my job to qualify for down payment assistance. XXXX XXXX can not pull my credit report. Ive called all three bureaus and they dont have a freeze or lock on my credit.
Product: Money transfer, virtual currency, or money service

To Security Department of XXXX : There is a criminal element/culprit exploiting XXXX   as a platform from which to attack our XXXX XXXX XXXX corporate checking account. Thus far this thief/thieves has/have stolen a total of {$240.00} across 6 transactions ( the latest occurring this morning ). Please kindly coordinate investigation at XXXX and cooperate with XXXX XXXX XXXX, which has opened a fraud investigation. 
This is also being reported to the FBI. 

Processing Transaction layer ACH HOLD XXXX PAYMENT ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD XXXX PAYMENT ON XX/XX/XXXX as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX  DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX  WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX  WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX  INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX
Product: Credit reporting, credit repair services, 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  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account XXXX XXXX Has violated my rights.

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: Student loan

I attended XXXX XXXX University from XXXX - XXXX for an XXXX degree. During that period, I was working full-time and had to essentially complete classes late at night on my pace. It is important to note that XXXX XXXX was working toward their accreditation and was in " pending status '' during this period. Consequently, XXXX changed their name to XXXX XXXX University and altered their curriculum requirements when the accreditation was not approved. Shortly afterward, the school closed and left no transcript records or resources to obtain any from a repository. I contacted XXXX XXXX at the time to see if they had received complaints from other students with outstanding loans paid to XXXX XXXX. They refused to answer and informed me that the debt would not be forgiven irregardless of the fact that federal student loans are indeed forgiven on those grounds. My father was the principle guarantor on the loan and was paying it on time. He passed away and we were informed that the debt would be discarded with the furnishing of a death certificate. Again, this was not the case as after I sent a certificate, I was informed that I was named as a the responsible party now. During this time which reached through XXXX, no payments were made. XXXX XXXX charged the debt off and sold it to XXXX ( which Navient refers to as " their '' resolutions team ) which is utter deception because Interstate is a cut throat debt collector that is NOT a part of Navient. All I want in this is the opportunity to either A ) Be forgiven of the {$4300.00} debt due to the school closing and no access to my body of work, or B ) To have my account placed back with Navient or XXXX XXXX in good standing so I can resume payments and not have it decimate my credit as it has done during this time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX. I put down a limit of XXXX dollars, for 15 months I paid my secured card on time and accordingly. Unfortunately due to a string of tragic events which left me unable to keep up with my bills I fell behind on payments. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being deemed Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my wife and I sought to temporarily lift security freezes with the three major credit reporting agencies in connection with a mortgage refinance application. We had gone through this process several times in the past without issue. 

We lifted the holds at XXXX  and XXXX  online. When we tried to access our account online with Equifax, we entered our respective credentials and each time, we received an error message that said " We are temporarily unable to complete this request. Please try later again. '' I called the customer service number, and after a long wait, we were connected with a customer service associate who very patiently worked with me to verify my information and try to determine why we could not access our accounts. We worked to reset my password, and I still received the same error message. After confirming that there was no mistake on my end ( for example, wrong password, incorrect information entered ), the associate explained to me that he would have to escalate the situation to the IT department, and it would be at least a few days before the matter would be addressed. Until then, I would be unable to access my account. 

When my wife and I placed our credit freezes, we did so with the expectation that the freezes could be lifted easily and at any time. It is not only extremely inconvenient, but also potentially costly, not to be able to access our respective credit accounts -- even when Equifax 's representatives verified my identity and confirmed that we did nothing wrong in the way of providing information and setting up our accounts. 

In order for my spouse to lift the hold on her account, she faces the same long wait time and identity verification process that I went through this morning. The nature of her employment does not allow her to do this during regular business hours. This incident will delay the refinance of our home, and if rates should increase, it will cost us real money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit
Product: Credit card or prepaid card

I was unaware I missed a payment on my discover credit card and I was under the idea that it was set up on autopay. I am hoping this can be resolved and fixed.
Product: Credit reporting

The court document filed by the Attorney for the Plaintiff filed a Satisfaction of Judgement on XXXX XXXX, 2010. 

The attorney directed the Court to release, discharge and fully satisfy the final judgement and direct the Clerk of the Court to CANCEL THE JUDGEMENT OF RECORD. 
To cancel is to withdraw the Judgment of Record. 
I forwarded copy of the document to Equifax to DELETE THE public record from my credit file and they refused per their confirmation # XXXX, Dated XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

CREDITOR BUSINESS TYPE INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX  XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Government XXXX Experian
Product: Money transfer, virtual currency, or money service

My government name is unique, and Cashapps software didnt believe my name was real. Ive had been using the app for years to this point ; my previous account was cancelled for a reason unbeknownst to me, but I opened a new one. I never had to verify my account to send/receive funds under {$500.00} ; and when my dad sent {$100.00} and something dollars, the account forced me to verify my identity to access the money. So, I tried, and it said enter a valid name. So, I called Cashapp support the first time, and I was told the situation would be escalated. I received no solution. I called again two weeks later ; the woman on the phone tried to argue with me that I was just entering my name wrong. Thereafter, she said the same thing about escalating which there was no solution. I spent 40 minutes of my time on the phone with this woman for her only solution to be text Cash app support. I texted cash app support, I emailed ; and to this day, I have received no type of solution. So, I had to fight to get the money sent refunded, and sent over via a different application. Tired and over not being able to get a simple problem fixed is a gross understatement on how I feel about Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Capital one, XXXX XXXX, XXXX XXXX, I am on a payment plan with these creditors and in return I would like to make a delete to offer, when my accounts are paid off I would like to have all negative trademarks removed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

Westalke financial is sueing me for a debt I no longer own due to them selling my car after repossession & neglecting to help fix my car after signing lease. Car had transmission problems & they did not check car before I bought vehicle and resulted in me loosing my job and facing hardships in life. I can not buy another vehicle because they are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX XXXX hard inquiry off my credit report I tried to contact XXXX XXXX on their email web but it is a joke It keeps saying that I have invalid characters in my message. They Have no other way to email them to get the details of the XXXX hard inquiry details. I can't get thru on their customer service line. XXXX XXXX is still on my credit report. I did not give them permission to access my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.govXXXX XXXX " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.
Product: Vehicle loan or lease

( Upon communicating with CFPB over the phone regarding initial claim # XXXX, was advised to open the new one due to dishonest and misleading response of Hyundai Motor Finance ). 

1. Company states the vehicle was retuned late on XX/XX/XXXX. This is a lie - it was returned early prior to the maturity date. Returned promptly on XX/XX/XXXX. The proof is attached ( receipt by the official dealer as well as date/time stamped photos in the lot ). 
2. Company states that it sent multiple letters due to vehicle not being returned. Two lies! First, returned early. Second, none of the letters were received. 
3. Company states that it made attempts to notify me of {$420.00} balance due during XXXX. This is actually true. HOWEVER, my first letter with {$420.00} payment was mailed on end of XXXX. It, for some unknown reason, did not make it to Hyundai and was never posted. I was then out of country due to family emergency and did not receive XXXX mail. Upon return on XXXX, attempted to send {$420.00} electronically. Hyundai rejected the payment ( see attached ). Finally, made payment on XX/XX/XXXX. 
Numerous payment attempts!! 
4. Company states that I made 7 complaints to various agencies. Lie! I made 2 so far ( BBB and CFPB ). Prior to that I attempted to resolve with the company directly on countless occasions. I was not treated with respect. No respect and courtesy were given to 7 years loyal client with outstanding payment history. 
5. If company denies again, complaints will be filed with FTC, Attorney General, etc. Additionally, numerous complains will be posted around the World Wide Web.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax denial to dispute the multiple unauthorized hard inquiries, which I believe violates my privacy by the unauthorized release of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 XXXX XXXX of SWC Group submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.