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

The account is XXXX this account has been proven to be inaccurate. I have mailed as well as emailed the complaint on CFPB. Yet XXXX has yet to remove the trade line and its negative account history from my credit report this is highly frustrating and there lack of getting it removed is ridiculous. This has been a battle for years. Along with Transunion. XXXX did there job immediately and had it removed.
Product: Money transfer, virtual currency, or money service

Wells Fargo closed my checking n savings accounts after they said that their was checks deposited in my account. They never sent me the information that I requested.just shut my accounts down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it.

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. 

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being billed for a service that was paid by two insurance companies including XXXX and received a letter stating what I am allowed to be billed and they far surpassed that and also being billed for people who were never in the room!
Product: Credit reporting or other personal consumer reports

To whom It may Concern The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, NC XXXX There is no SSN # or Amount. I never lived at the above address. I looked at my CIC tenant report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My entire personal file has once been stolen from an employer and also exposed in two healthcare data leaks. My credit file is a mess and Im still getting calls about mortgages and credit I didnt take.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet XXXX XXXX is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.
Product: Debt collection

The debt collector from Crown Management XXXX XXXX keeps calling me for a magnolia schmit but I already told them I do not know her 3 times. They said she gave them my name and number for a references which was not true, they said they were actually looking for my ex and asked for his number at first and his brother I did not authorize them or anyone of them to even have my number. I have repeatedly told him and his supervisor to stop calling my phone looking for her. I have called them back and asked for their address so I can send them a letter to stop calling me and he still insisted on asking me to tell XXXX to call him, and would n't give me the address.
Product: Debt collection

I received a phone call from this number XXXX and they left me a voicemail asking for information. I called back Im not sure what the debt is or what is this regarding. I tried to call the collection agency twice and both times the women answering the phone said they could not tell me what this was in reference to
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX  ACCOUNT XXXX XXXX Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX ACCOUNT 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years. 15 U.S.C. 1681 s-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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am still having trouble with Selene Finance correcting my mortgage account. They are showing a past due/late fees charge on my statement dated XX/XX/19. I called on XX/XX/19 and spoke with XXXX and he assured me my account was being updated and corrected. When I received my most recent statement, it's still showing these charges so I called Selene again today ( XX/XX/19 ) and spoke with XXXX ( XXXX ). She was very rude, said a supervisor was not available and I could call back. I told her I had left messages before for a supervisor to call me back and I have never received a return call. I asked her to fix this on my account and she said she was just the call center and for me to have a good day and hung up on me!! Any request I have sent to their customer service department in writing has not been answered. I have only received responses from my complaints filed with CFPB.
Product: Vehicle loan or lease

I am being severely financially abused by the car dealers. They are sharing my information and allowing strangers to say rather or not I should be allowed to buy a vehicle. I have already been preapproved with the financing dept and have an excellent credit rating, no missed payments, ever. There is an abuse from the company itself and others who have contacted them saying they are decision makers for my finances. " She isn't allowed to ... '' I am a fully grown adult and the information pertaining to the purchase of the vehicle shouldn't be shared with anyone. There is also someone saying that I am not who I say I am, and that they don't know who I am ... I'm not my own identity and they are abusing me inside my home regarding a purchase made on the internet. The car company is ignoring me and will not respond at all. I have cash and they will not deliver an automobile and they are trying to say that they don't want me to be able to leave my home with intentions to do something to me inside the house. The car company is allowing this conversation to continue rather than completing the interaction for the purchase and using this as an " example '' of why they will not be allowing my child to come home, they have XXXX  my son and are saying that because I tried to purchase a vehicle that my son will no longer be coming home. The child is crying and has been XXXX.
Product: Consumer Loan

I purchased my vehicle XX/XX/XXXX. I started my chapt XXXX bk XX/XX/XXXX my chapt XXXX bk was approved XX/XX/XXXX. It is my understanding that when you are under bankruptcy protection that the loan or finance company can not charge you any fees or accelerate your interest while under bankruptcy protection. 
My loan is due to end as of XX/XX/XXXX. I was just told that my payoff is XXXX this is incorrect. I was also told that this is additional fees and interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Equifax asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year Experian has stopped showing any of my creditors on my credit report. This is causing my credit report from Experian to show up to creditors as a " Thin '' credit file. I have over 18 accounts that report to all 3 credit bureaus but none are showing on my Experian credit report even they were showing a year ago. This is preventing me from applying for a mortgage as lenders need reports from all 3 credit bureaus. 

I have called Experian twice a week, every week for the past month. In 2 cases the representatives tried to convince me that I had creditors who don't report to Experian. I was finally able to get one representative to understand that my issue was not with the creditors but with Experian no longer picking up what my creditors were reporting on my Experian report. The rep explained that he saw an error in my file and the problem would be resolved in 24 to 36 hours. This was over a week ago and the problem still persists. 

This issue caused me to be unable to apply for a mortgage. Because of this I have already missed out on two houses that I wanted to purchase. This is a case where I am being denied credit to due a credit agency not showing any of my creditors, not the creditors themselves. I need to escalate to get this issue resolved ASAP.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.
Product: Vehicle loan or lease

I missed a payment because I did not realize the autopay information had expired or was no longer valid until the payment had gone delinquent. I've since made every payment on time and have almost completely paid off the loan.
Product: Credit reporting or other personal consumer reports

This account is inaccurately reporting on my credit report and causing emotional distress as it is inaccurately reporting and should be DELETED for violating my FCRA-rights. I have going back and forth with you guys and you keep saying its verified. What method are you using to verify this?? 
I have reached out over thw past few months using Disputes, XXXXXXXX XXXX, and online dispute services. 

The date is different on all credit bureaus and all have failed to show me the steps they choose to verify this information.
Product: Mortgage

As of approximately XX/XX/XXXX, I entered into a VA forbearance option with M & T bank due to financial difficulties caused by the XXXX pandemic. The Loan Servicer M & T bank accepted my request and outlined the process for the forbearance to include maximum duration of up to 1 year. The forbearance process also identified multiple paths to exit forbearance which were available to me as a home owner, one of which was called deferment. From M & T banks process definition, I would simply communicate my intentions to keep the property and resume regular payments before the 1 year period. Once I communicated my intentions, M & T would send new loan addendum paperwork requiring my signature. Once the new loan paperwork was received by M & T, loan payments would resume as normal and the balance of payments paused during the forbearance period would be allocated to the end of the loan period extending the length of the loan equal to the loan forbearance. 
On XXXX, XXXX I communicated to M & T to start the exit process for the forbearance and enter into regular payments which 1. ) allocated all payments paused during the deferment period to the end of the loan period and 2. ) allowed me to resume regular payments for the duration of loan period as normal. ( My forbearance period was from XX/XX/XXXX through XX/XX/XXXX where XX/XX/XXXX was the date I started making payments per direction from M & T bank ) On XX/XX/XXXX, M & T bank sent me multiple documents identifying the new terms of the loan according to the forbearance plan to sign and send back for recording. From XXXX, XXXX through XXXX, XXXX M & T bank sent multiple copies of identical loan documents which I identified and communicated as redundant in nature. Nonetheless, I signed and mailed said document ( s ) back to M & T with a final copy sent on XXXX, XXXX time frame. 
During the entire forbearance exit process starting XXXX, XXXX, M & T bank has verbally communicated they have a back log of loans transitioning out of forbearance into regular payment status and can not process my exit request. Ive resumed payments on-time in the full amount starting XXXX, XXXX to present ( XXXX, XXXX ) and are still unable to obtain regular account status with M & T bank. From XXXX, XXXX to present ( XXXX, XXXX ), M & T bank has kept me in a forbearance status equal to 8 months in duration. In total, my mortgage account has been in a forbearance or default state for almost 2 years. All payments paid to M & T bank from XXXX, XXXX to present have been deemed unallocated per M & T banks billing statements.
Product: Money transfer, virtual currency, or money service

I sent money with Sigue Money transfer and my family never received it, i went to the agency to cancel my transaction and they informed me Sigue is out of bussiness and the can't refund my money in the agency i called several time to the company but the never help me.
Product: Credit reporting

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( Account number was not disclosed ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I informed the CA 's of this violation, they ignored the fact, but sent an updated credit report stating the information from XXXX XXXX will " remain. '' Also, XXXX XXXX, junk buyer, placed this illegal collection on my credit report in XX/XX/XXXX, which is also false and misleading.
Product: Student loan

I spoke with a Navient representative about paying back my student loans I told him that I was willing to make payments but the amount that I was told to pay back was way too high. I have XXXX children that I have to provide for. He then insisted that I had enough money to pay my loans back. After I told him repeatedly that I could not make the high payments he then told me that he was going to garnish my wages and get lawyers involved. I am willing to pay back my loans but I still have to take care of my family.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX XXXX 
Date of Inquiry : XX/XX/year>XXXX  I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

My personal identity was leaked XXXX  in a data breach. The XXXX  occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The XXXX  occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( s ) have been denied by Experian and XXXX on multiple occasions. A recent dispute I filed with Experian XXXX XXXX to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least XXXX occasions. 

I have attached extensive records to support this complaint. Included are the letters originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( Chime ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the Equifax hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.