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

On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request 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, regarding inaccurate late payments listed on my credit reports from XX/XX/XXXX to XX/XX/XXXX, regarding GM Financial Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. This account has never been paid late. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. 
Therefore, I expect all these items will be removed from my credit files immediately.
Product: Debt collection

KOMYATTE / CASBON HAS THIS ON MY CREDIT REPORT AND ITS KEEPING ME FROM BUYING ME A HOUSE AND ITS MESSING UP MY CREDIT AND I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT I HAVE INSURANCE AND IT PAYS ALL MY MEDICAL BILLS SO PLESE DELETE THIS FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX
Product: Money transfer, virtual currency, or money service

There was a transfer of funds from my Chase checking account on XX/XX/2019 in the amount of {$1300.00} to an unknown person using quickpay with XXXX. I did not authorize this transaction and immediately filed a claim with Chase claims center on XX/XX/2019 upon seeing this transaction. The checking account was closed immediately and I was told the investigation would take 10 business days to complete. I have repeatedly contacted Chase claims dept. to ask for an update on my case and was told on XX/XX/2019 that no fraudulent activity was found. I asked the Chase representative for proof in writing that I had sent the funds using my devices and they could not provide that to me. My account was obviously compromised and funds stolen from my account. My wife nor I have ever authorized the disputed funds be transferred from our account to this unknown person. I have filed a police report with the local authorities. I am completely shocked that Chase can just state that they found no fraudulent activity and close the case even though I have stated that my account was compromised and that my wife nor I have never authorized the transaction or initiated the transaction! I have yet to receive any documents on the case or proof that I approved the transaction. Thank you for any help you can provide.
Product: Mortgage

My mortgage went from round point to fifth third bank. I received a letter about the the takeover. However, the company has not been able to give me access to my account online for over three weeks now. I have not been able to make a payment because I can not access my account. Fifth third bank continues to tell me that they can not verify me and that I would have to wait 30 days to verified again. I have never experienced not having access to my consumer account in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries. I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

That wasnt me that took the loan out nor attended that school so how was it proven it was me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account immediately! 

XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Current {$660.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX below are a list of accounts I disputed due to fraud, and feel as if they were not fully investigated and was give a automated response, just saying accurate, and I have disputed more then once with the credit companies, this is really hurting my credit 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

Sent certified letter via mail, I have waited over 30 days for a method of verification, accounting information.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
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. 


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

Spoke to XXXX XXXX XXXX a couple of times, beginning on XX/XX/XXXX, regarding the status of my student loan accounts with the Georgia Student Finance Commission. I asked him why are they being reported as delinquent when I am currently a graduate student at XXXX XXXX University, and the in-school status was made available to all of my student loan servicers. I knew this because I called the XXXX XXXX University Financial Aid office to confirm. I also wanted to know how the accounts went from being current in the month of XX/XX/XXXX and then sixty days late in XX/XX/XXXX, which is the status indicated on all of my credit profiles. Lastly, I wanted to know why are the accounts going through status changes when student loans were paused on the XXXX XXXX XXXX beginning on XX/XX/XXXX, and lasting until XX/XX/XXXX. 

I was advised to set up a payment arrangement and make six consecutive on-time payments of {$460.00} per month under their Rehabilitation Program and at the conclusion of those successful six payments they would place the accounts back in a current status. This company has an in-school deferment policy, that they refuse to follow, as well as the national presidential order that was made active under the COVID-19 Rescue Act. As a result, they have seriously diminished my credit standings with the credit bureaus and my revolving credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification from EQUIFAX that a new account was added to my credit profile by XXXX ( private student loan ) account last 4 digits showing as XXXX for {$140000.00}. I immediately contacted EQUIFAX about the new account and I advised the EQUIFAX representative that was not my account and that account was a fraudulent account. EQUIFAX advised me that they could not dispute the fraudulent account however they created an escalation case to determine how and why the account was placed on my credit file. That escalation case number is XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXXXXXX XXXX Account number XXXX XXXXXXXX
Product: Debt collection

I have disputed this particular account numerous times with the credit bureaus and they keep listing it as verified. I have sent debt validation letters and spoke with them via telephone and no avail. I asked for to see contract with my signature and was sent documents unrelated to this. Across the board each of the bureau are not in unison. The entire account is inaccurate.
Product: Credit card

I opened this card XXXX XXXX and paid over the minimum balance monthly and on time. Suddenly I noticed my credit score drop in XX/XX/year> and I noticed it was because they decreased my limit without any warning. Leaving me with only {$75.00} from the max spending limit allotted. This companies actions made it look like I maxed out my credit card and ruined my credit utilization which I never experienced anything like this before. I called to get appeal form for their decision and no one would help me and stated there was nothing they could do. They then closed my account without my permission after speaking to multiple representatives who were extremely rude and not helpful. A note was placed on my credit stating I closed it and that is not true.
Product: Student loan

I was already on the XXXX plan ; but the XXXX website has a banner saying to " re-certify now '' so I did it. I thought I was being proactive and just re-certifying early - as prompted by the automated message on the homepage. 

Turns out, doing so just started the process from the beginning. Now my loans ( which were already on the XXXX plan for two months ) are accruing interest under 'Administrative Forbearance ' as my new XXXX plan begin date is XX/XX/XXXX23. 

I spoke to two company representatives yesterday. The first one told me that the interest would be waived retroactively. The second one said that this is misinformation and that I was never on the XXXX plan to begin with. 

This is not true. I have the acceptance letter dated XX/XX/XXXX2023 to prove it. 

My question is : Is there a way to honor my original XXXXXXXX  plan status? I was shocked to find my loans accruing interests. My monthly payment is the same on both acceptance letters- {$0.00}. It feels as if I am being punished for trying to be proactive. I also feel misled by the banner on my account ; which is what encouraged me to " re-certify '' in the first place.
Product: Checking or savings account

On XX/XX/2024 I was locked out of my Bank of America account upon calling I was told my account was in active closure and I was not able to access any of my funds. This was part due to my credit card being stolen and charges placed. Upon being transferred after five different departments giving me miss information, I was told that it could take 90 days for me to receive my money back effectively withholding my funds while Bank of America gains interest on my money. Each representative was miss informed, Flat out had no idea how to resolve my issue or even help.
Product: Payday loan, title loan, or personal loan

My first complaint was XXXX made by myself XXXX XXXX XXXX XXXX The company Title Max located in XXXX, Texas based out of XXXX Georgia. They have given me until XXXX XX/XX/XXXX to come up with XXXX for a settlement. Currently, I have paid this company XXXX on a loan that was taken out for XXXX in XX/XX/XXXX. My truck is only worth XXXX dollars and I feel very foolish for doing this kind of loan. The first response to my first compliant seems to be a stall tactic to get more money from me. I'm at wits end and don't know what to do if they try to repo or steal my truck from my property. Retired and XXXX XXXX XXXX Veteran, I thought we are covered under the Military Lending Act from deceptive, misleading, bait and switch tactics, high interest rates on all loans. This company has been fined numerous times and still doing this to American citizens. I served my country for 24 years for equal rights and justice for all not this kind of nonsense. I will never give up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I keep getting an error while trying to log into my Equifax account to dispute some information. My account wont let me in despite changing the password. I have called and emailed this company and its as if no one works there.
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. XXXX XXXX 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 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 XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Opened Date XX/XX/2018 Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. 

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

AD ASTRA REC {$1900.00} posted on XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX
Product: Credit reporting or other personal consumer reports

Your company has inquiries on my credit report that I never approved
Product: Credit card

I submited my payments on time i had to udergo XXXX XXXX to remove a XXXX and asked to change my mailing address and it wasnt don and do to that i have XXXX late on my account
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any XXXX  party including credit bureaus. This account has many inaccuracies including ; original balances not matching, credit limit not matching, there is NO account number listed, the account type listed, past due amount does not match on any of the credit bureaus. I want this account removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir/Madam I am writing concerning a pressing concern in my credit files that I would like to have revised. I received my EQUIFAX, XXXX, and XXXX credit reports. My credit reports are reflecting LATE PAYMENTS on my student loans which are incorrect and affecting my credit negatively which is keeping me from obtaining credit. I took pride in the fact that all my accounts were always in a positive status. The LOANS ARE PAID AND CLOSED BUT STILL REFLECT NEGATIVELY on my credit reports. My student loans were in forbearance and when XXXX and XXXX XXXX split my loans defaulted. I am at my whits end with this. XXXX XXXX ADMITED THE ERROR ON THEIR PART BUT XXXX REFUSED TO BUY BACK THE LOANS FROM XXXX XXXX. 

I am the sole provider for my family and this has left us in an unfavorable position financially. I am about to begin the process of purchasing a new home, and it has come to my attention that the late notation from XXXX XXXX is keeping me from being able to get approved for a home. Since that notation does not reflect correctly with bureaus I am requesting that you please update all 3 credit bureaus EQUIFAX, XXXX, and XXXX to reflect NO LATE PAYMENTS OR REMOVE THE ACCOUNTS FROM MY CREDIT FILES. I HAVE 30 ACCOUNTS REPORTING NEGATIVE!!! THE ACCOUNTS ARE PAID AND CLOSED. I would like this done most expeditiously. I HAVE FILED A COMPLAINT WITH THE CFPB AND XXXX IS STILL GIVING FALSE INFORMATION. I NEVER SIGNED ANY CONTRACT WITH XXXX!!!! MY LOANS WERE UNDER XXXX XXXX!!!!! 

Unfortunately I can not get into my XXXX XXXX account but I have enclosed a screenshot of the deferment request that was sent to me from XXXX XXXX. 
I thank you again for the time you have spent reading this correspondence. I hope to communicate with you soon
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there is a resolved and closed account issue that has reappeared threw another creditor by the name of ( Commonwealth Finance ) .This account was closed by the creditor ( XXXX XXXX ) and submitted to the necessary credit report agencies for permanent deletion from credit report.
Product: Student loan

This is in regard to Nelnet - when we initiated the Parent Loan for our son there was a program for Federal Employees, in our case the XXXX XXXX XXXX, that stated if we paid our payments on time every time for XXXX years the balance of the student loan would be paid in full and no charge to us. 

Unbeknownst to us, my husbands name ( he is/was at the time in XXXX XXXX XXXX ) was removed from the loan when Nelnet purchased the smaller loan company ( Nelnet purchase XXXX. XXXX was the original lender ) I contacted Nelnet as we were so upset by this and all they said was " we can not find his name in our files '' We have almost perfect credit and not only did I pay ontime, I always paid more toward the principal as the interest rate was XXXX XXXX This has been the most frustrating and dishonest credit practice I've ever encountered. And there was nothing I could do - The Federal Student loan system is rigged as they are full of high interest rates and false promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I do not recognize. I have disputed these with XXXX and the companies that reported them via mailed letters as well as through online disputes. The hard inquiries and dates in question are : XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 These were not authorized by me, and I do not know why they are on my report, nor do I know why they won't be taken off if they are not mine.
Product: Checking or savings account

On XXXX money was transferred to XXXX XXXX XXXX $ XXXX 3 transactions : {$190.00}, {$200.00}, {$330.00}. Total lost was {$720.00}. I contacted Cashapp on XXXX, they opened an investigation. On XXXX, through the cashapp they said the refund was declined : we're truly sorry, but we're unable to recover your money but your report will help us prevent future scams.