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

Ive requested verified documentation of the information being reported on my credit report to only receive false investigation results and letters attempting to stall my request, Ive sent via certified mail documents to XXXX including signed statements, request to remove false information along with my photo ID and a letter from my mortgage company to verify my address and full social security number. Ive received over five letters back saying they believe I did not request the investigation and Ive responded several times saying it was me who submitted the request. TransUnion is not following FCRA guidelines with proper investigations and has deliberately stalled my disputes causing my score to decrease and cause me to be denied credit. They have also denied me access to the documentation that these creditors are reporting to my credit report. I want factual evidence of the accounts Ive disputed from the original creditors on my credit report that it is being reported correctly. 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 has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, Experian and XXXX after I purchased a credit report with Identity IQ on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

US Bank refuses to acknowledge and pay off my car loan. My loan for a vehicle through US Bank has been paid off by my insurance company 4 times. Every time we call them they say they have no record of the check, they lost the check, or mailed the check back to the insurance company ( the wrong insurance company, XXXX when I have XXXX ) because they couldn't tie it to my account. However, if they couldn't tie it to my account how do they know they sent the check back to my insurance company. Below is a history of payments made to US Bank by XXXX XXXX. All payments have been overnighted and signed for and all of them have disapeared or they don't understand what to do with them. The last payment was overnighted on XXXX. This is the 5th payment to US Bank. US Bank says they have no record of this payment and still are not showing it paid off and charging me interest. I need help getting US Bank to say they received the payment, pay off the loan, mail the overage in payment and the title immediately. This has been going on since XXXX and we can not get US Bank to pay off my loan and complete the pay off procedures. Please help! Thank you! 



XXXX, BlaineXXXX XXXX XXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$7100.00} XXXX, BlaineXXXXXXXX  XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXX Payment ( {$7100.00} ) XXXX, BlaineXXXX XXXXXXXX Invoice Number : XXXX Payment # : XXXXPartial Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Stop Reason : Other Payment # : XXXXStop Payment ( {$15000.00} ) XXXXXXXX , BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$1100.00} XXXX, BlaineCXXXX XXXX  Invoice Number : XXXX Payment # : XXXX Payment {$600.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$64.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXSupplemental Payment {$15000.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXXXXXX XXXXent ( {$15000.00} ) Paid to Date XXXX {$17000.00} Collection Amounts
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I payed for capital one later on XXXX their still reporting late payments amounts XXXX consumer My car was wrecked in XXXX of XXXX I have given the insurance company full coverage of this vehicle its no longer in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting any lates on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

XXXX XXXX XXXX ( XXXX ) reporting information with actual knowledge of errors. 
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 the information is inaccurate. 
XXXX XXXX XXXX XXXX B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the information is, in fact, inaccurate. 


Under XXXX XXXX XXXX Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

This collection was deleted from my report through my divorce l tried several attempts to resolve this collection this collection agency refused to provide me proof that l own them this collection have no legal signature that showed that l have a legal account with them l plan on sue this collection to provide why are there Harassing mean and I do not have a legal account with this agency
Product: Credit card

I am hoping you can help me. I had a credit card with Discover years ago. Due to a divorce and relocation and severe loss of marital income I had to stop making payments in XXXX. 
I have recently received a letter from the IRS siting funds I owe from a XXXX cancellation of debt from XXXX XXXX XXXX ( Discover Card ). I was only contacted by Discover a few times in regards to debt collection and that was within a year of my last payment. In NC there is a XXXX year statute of limitations on credit card debt and even the IRS sites an expiration of a non payment testing period as XXXX months. I am trying to dispute this with the IRS but getting information from Discover has proved to be difficult. I believe the XXXX form that Discover sent me should be for XXXX or XXXX, not XXXX. The debt the IRS is trying to hold me responsible for is too old and the credit card company should be held responsible and made to provide accurate information to the IRS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$23000.00}, balance updated on XX/XX/XXXX, original balance of {$40000.00}, paid off XXXX  XXXX XXXX XXXX monthly payment, an account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, terms 84 months, status open, and responsibility individual. The payment history shows 40 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : LVNV FUNDING LLC Amount Owed : {$810.00} I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. Neither XXXX nor LVNV FUNDING LLC has provided me with the original contract as I requested.
Product: Debt collection

I have had a credit card from Discover since XXXX. When I wasn't able to work in XXXX, due to a XXXX   XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to Discovery, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of my personal data is handled by my half sister who controlls everything in my hose hold the most recent is my dad and her controlling getting my po box and they updated the address to wich i couldnt even change because they would take proof of my new address they just brought me back two pages from my credit report. Its been ripped up but i remember the date of the XXXX  report and was XX/XX/21.
Product: Credit reporting or other personal consumer reports

I never completed high school nor do I have a GED. The school fraudulently accepted me, opened multiple loans and now the school no longer exists. There has been multiple lawsuit against this school and I am seeking loan forgiveness on the remaining amount through aidvantage.
Product: Credit card or prepaid card

I'm reporting that Citi is not properly handling the closure of the card due to fraud. 
On XX/XX/XXXX I received an alert via text and email that there was a declined attempt to use the card in XXXX. I replied that I do not recognize this transaction and also in just a few minutes I called the number provided, spoke with the person who verified the last valid transaction, and said that I'm going to receive the new card in a few days. 
On XX/XX/XXXX, I chatted online to inquiry about the status of the card : they could not help as they said my account was not accessible. 
Today is XX/XX/XXXX, I do not see any message online about the new card, and I have not received it. I've been waiting to make a few purchases I need. I called again the same number and, surprisingly, I was told the old card has not yet been closed because call was disconnected. There are a few absurds here : - In the original call I had already verified all the transactions and was already told I'd receive a new card in a few days, they tried to transfer me to some mobile wallet department to resetup the Citi Pay wallet but I was left waiting and ended the call. 

- Most important, nobody at Citi, during the previous week, tried to contact me about this. Citi has an account flagged as fraud, apparently not yet closed ( even though I called ), no new card issued, and then Citi customer service does absolutely nothing about it. I'm wondering what would happen if I had left like that indefinitely.

When I had verified the transactions and was told new cards would arrive in a few days, I considered the matter resolved, but Citi did not actually process what they informed.

This is inferior and even improper service, and this account will be less used from now on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone made several purchases with my ID and social security number.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Equifax, on XX/XX/year>, complaint number XXXX regarding a fraudulent accounts reporting on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided Equifax with a copy of a XXXX Police Report, and an FTC statement that identified which accounts were opended fraudulent in my name as a direct result of identity theft. Equifax replied back to the complaint filed with CFPB on XX/XX/year> that the accounts had been verified as accurate. At this time the accounts are still reporting on the credit file that they maintain under my social security number, and I have since then had XXXX XXXX to pull my credit report.Equifax has failed to follow the FCRA, conducting a reasonable investigation into the accounts reporting. At this time I am requesting Equifax provide me with the documentation used to verify and validate the accuracy of this accounts that they have continued to maintain on my credit profile.
Product: Debt collection

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 2nd message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 3rd message. 

XX/XX/XXXX : Called the provided number, spoke with XXXX, who told me she could take care of me since XXXX wasn't calling me back. I explained how there was a disagreement between my insurance company and the hospital, which led me into this collection status. I asked her what can be done to minimize the impact on my credit. She told me there was nothing she could do, unless I can dispute the collection and provide an EOB from my insurance company or speak with XXXX  to change things. 

XX/XX/XXXX : Spoke with XXXX, who told me that the collection agency didn't tell me the truth, they are able to pull back the record from XXXX if they want to do so. And that I can also dispute the charges if I want to. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 2nd message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 3rd message. 

They are misleading on what is the best steps forward to resolve the issue, and, also refusing to call me back or communicate with me to actually resolve the issue. While this is happening, they are still sending me letter that my interest is going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX 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
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX from XXXX  XXXX through MBFS and prepaid my entire lease. My lease began on XX/XX/2019 for a duration of 36 months. I was supposed to receive my security deposit of {$6000.00} after one year or when I return the vehicle. As of todays date, I have no received my deposit. MBFS must return my deposit to me or take possession of the vehicle.
Product: Mortgage

After the death of my mother in XX/XX/XXXX, I learned of a home equity line of credit loan that she obtained in XX/XX/XXXX in the amount of {$100000.00} after receiving a statement from the bank showing a balance of {$52.00}, XXXX. I immediately went to the bank to inquire as to how she was able to obtain this loan since she did not own the home, it was transferred to me and my siblings in XXXX of XXXX. My mother continued to live in the home as she had a life estate. I was told by the bank representative at that time that he was unable to provide any information regarding the loan or the contract because the loan was in my mother 's name. He did say that as owners of the home, my siblings and I would have had to approve the loan and sign the contract in addition to her signature. He recommended I contact the loan servicing center to obtain additional information. After speaking with a customer service representative I was informed that the only information they could provide was to say that another loan she obtained in XX/XX/XXXX for {$53.00}, XXXX was paid off with this {$100000.00} loan. My siblings and I had no knowledge of either of these loans nor did we sign off on them allowing her to obtain them. We are now expected to pay off the balance of {$52000.00} but believe the bank was negligent in providing this loan without due diligence in obtaining ownership verification and that we should not be held responsible as a result.
Product: Student loan

I was a full time student in XXXX and was receiving unemployment insurance benefits via mass DUA. 

I applied for an unemployment deferment and sent in the form and supporting documentation confirming my awarded benefits. 

Some months later I was told that my deferment was not processed because the information that I sent them was not sufficient. I followed up multiple times to find out what exact form from MA DUA was needed by them. I got varying answers, from agreement that the information met the requirements to denial that it was proof. I asked for follow up from a manager. Months passed ... .I never got follow-up on my issue. I called XXXX and had a conference call with Nelnet in XX/XX/XXXX, again asking to send an example of the Massachusetts form that they needed as proof. I was sent a form to reapply for an unemployment forbearance. 

I have never gotten a rational reply to why my request was rejected and in the meantime my credit is being destroyed.
Product: Debt collection

To Whom It May Concern : This problem is in regards to XXXX reporting XXXX am late for the months of XXXX and XX/XX/XXXX on a closed child support case. 

The case was closed in XX/XX/XXXX. According to Experian they reporting the debt as a XXXX  balance but yet reporting the account to be closed. Experian reported the account was first reported in XX/XX/XXXX, when the account was closed. There is a standing court order. 

Which has been fully paid to the state of Virginia and there is a XXXX   balance on the account in Virginia. The issue is Experian is refusing to take this account off of my credit report indicating XXXX is verifying the report. 

Upon my contact XXXX they reported the case is closed. 

The problem is I am the parent now who receives child support. This account is grossly over due. In which they continue to make no efforts to collect funds on my children behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to submit my information to XXXX, XXXX  and Transunion and have not been able to get them to properly update my file according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, Equifax via certified mailed letter to remove addresses that arent associated with me and accounts that stated open and its been over 30days with no response or change to my credit.