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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX and on XX/XX/XXXX and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Student loan

Two loans taken out on XX/XX/XXXX unsub XXXX, sub {$5500.00} for fall term XXXX. I withdrawn on XX/XX/XXXX winter quarter XXXX. Funds were not returned to the lender ( Bank of America ). Unsub and sub loan funds were used in creating two Unauthorized unsub ( {$3300.00} ) and sub ( XXXX ) loans on XX/XX/XXXX changing grade level from ( 3 ) to ( 1 ) and listing on all four federal student loan disbursement notice incorrect total loan amounts. All four notices listed {$10000.00} ( 2 ) and {$10000.00} ( 2 ). All four notices do not have loan ID # numbers on my NSLDS. Unauthorized second MPN for direct loans was not signed by me. The XXXX University employees in the financial aid forged my signature by typing my name on an unauthorized MPN for two loans {$1000.00} and {$8500.00}. Grade level, credits earned, and ungraduated status, changed to Graduate student were changed and other loans taken out. Loans were hidden from and listed on general ledger as fall, spring, winter and summer charges. Part-Time student tuition fees added to standard allowances plus loan fees totaling XXXX. Overcharging me tuition/fees {$88000.00}. Police report filed forged signature and fraud. DL loans listed as financial aid funds on student general ledger. Bank of America wont produce loan documents because I never signed a any loan applications
Product: Credit card

I have the Wells Fargo Reflect Visa Credit Card. It offers an introductory APR period of XXXX  months, with the final XXXX months contingent upon 18 months of on-time payments. These XXXX additional months are advertised as " extension months. '' Since opening the account, I have consistently made on-time, automatic payments from the same checking account. These payments are typically processed on the XXXX of each month. 

On XX/XX/year>, I increased my automatic payment amount from approximately {$100.00} to {$350.00}. Because of this change, my account wasn't current until the XXXX billing cycle. 

Wells Fargo claims that canceling my automatic payment and then reinstating it at a different amount on the same day was not sufficient time for proper processing. As a result, they have denied me the XXXX extension months. I have contacted customer service multiple times to resolve this, emphasizing my on-time payment history using the same payment method. I believe denying the extension months is a predatory practice simply because I updated my automatic payment amount. 

I request that Wells Fargo honor the extension months, considering my relationship with the bank and the fact that : * I have consistently made on-time payments. 
* I increased, not decreased, my payment amount using the same bank account. 
* I reinstated the automatic payment on the same day, showing a good faith effort was made to keep my account current. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the DOFD is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that time.
Product: Student loan

After consulting with an agent Concerve collection agency, hoping to repay this loan, i was notified by my Employer about wage garnishment. 
this transaction begins XX/XX/XXXX and ended on XX/XX/XXXXA certification document was forwarded to my Employer about cancellation and released Yet still various notifications have been forwarded to me, in the same format of collections and wage garnishments. 
I have paid the amounts listed, but continued to received other notifications of owed monies and interest rates. 
Since paying off the principal amount, and also the second assumed debt, i have since received bills for cents amounts. 
This is creating an depressing situation upon my psyche as per when does this error and continued creation of bills end .Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # 21 I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Vehicle loan or lease

Im not sure I have a claim, but would like to know. 
In XX/XX/2012 my husband XXXX  XXXX  in XXXX XXXX, XXXX. We had gotten a loan prior to his death, from Wells Fargo in XXXX, XXXX, to purchase an XXXX XXXX diesel pusher motor home. I dont recall the year or length of it. When he died I didnt feel I had enough income to keep making the payments. I told Wells Fargo I wanted them to just repossess the motor home, but they wanted me to just pay it off which I couldnt,,, I just wanted them to repossess it, but not until I paid them {$28000.00}. after much haggling and arguing with them which I did, and they sent someone out at a later date and they took the motorhome. Ive often wondered if that transaction was above board or not,,, ,and I would like to find out if I have any kind of compensation coming. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute letter to Lexis Nexis to remove addresses, phone numbers they still didn't remove it off my report, they remove the bankruptcy but have all the other incorrect informations still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the account numbers XXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against SYNCB/Amazon regarding their failure to address and investigate inaccuracies in reporting on my XXXX, XXXX, and XXXX credit reports. On XX/XX/XXXX, I sent a dispute letter to SYNCB/Amazon XXXX XXXX an investigation into the inaccurate reporting of an account that appears on all three of my credit reports.

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time according to my payment history, SYNCB/Amazon has failed to update the reporting on my credit reports accordingly. 

From XXXX, it is evident that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows payments made on time from XX/XX/XXXX to XX/XX/XXXX, with no further data available. XXXX is not reporting any payment history at all. Furthermore, there are discrepancies in the payment status reported by each credit bureau XXXX is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " charge off, '' and XXXX is reporting as " Included on Bankruptcy. '' In my dispute letter, I specifically requested SYNCB/Amazon to provide detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from SYNCB/Amazon XXXX 

On XX/XX/XXXX, I sent another dispute letter to SYNCB/Amazon , urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, SYNCB/Amazon has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into SYNCB/Amazon 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold SYNCB/Amazon accountable for their failure to investigate and correct the inaccuracies in reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like 143 million other Americans, I was the victim of a devastating leak of personal information that will leave me susceptible to identity theft for the rest of my life. In order to try to minimize the fallout of this egregious breach of consumer trust, it was a necessity that I place a credit freeze on all my credit files. And yet, even though the events forced me to place this freeze were beyond my control and no fault of my own, I was forced to pay {$10.00} to each of these bureaus to place the freeze, and will be forced to pay again should I need to thaw my credit files. This simply is n't right. Credit freezes and thaws should be free. Freezing your credit is a protective measure, and consumers should n't have to pay to protect themselves, especially when it 's to protect themselves from the incompetence of these credit bureaus that are allowed to accumulate so much personal information, without consent, on so many Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting on TransUnion report. Ive never done any business with this company. I don't know this company. They don't even have a working number for direct disputes. I've never given this company my information. this is XXXX.
Product: Credit reporting or other personal consumer reports

I request that Experian provide the documentation used to verify the following inaccurate items as accurate : XXXX XXXXXXXX XXXX, XXXX, and XXXX.
Product: Vehicle loan or lease

I purchased my car through a dealership and financed it with prestige financial. 
I had my car stolen and opened a claim with my insurance company. 
I also opened a gap insurance claim. 
I thought everything was processed until I looked at my credit report. I tried calling prestige financial and instead of helping me figure things out they were rude about me owing a balance. Which should have been paid by my XXXX XXXX. 
I received a lawsuit from them and they still won't answer any of my questions, I have been asking for a year. I am almost sure my gap claim was with the finance companies XXXX XXXX as I financed it in my loan. But I can not get any answers. Now I have a lawsuit and my credit is wrecked.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a care package ( {$82.00} ) for my son that is XXXX from XXXX XXXX XXXX ( see uploaded photo ) -- the package was to be delivered on XX/XX/14, when the pkg did not arrive I checked the web site and it said " delivery in process '' -- over the next several weeks I would get the same message, I finally called the number and the message says it is no longer in service, I located another number on the webpage and spoke with XXXX XXXX XXXX and was told the XXXX XXXX XXXX is a " fraud '' -- I then contacted my bank, US Bank, the institution that issued my debit card and was told that I needed to call the number on the back of the card XXXX, I tried calling this number over 5 days at all times of the day and night and no one ever answered, I then went to my bank and tried to speak with the branch manager,  she referred me to their fraud department and I was told that they are not going to help as I had to speak with Reliacard ( number on back of debit card ) I let them know that I have not been able to reach them but they refused to help me any further, I then contacted the Idaho Unemployment office and was told they have no way to contact Reliacard and can not help, I called VISA and they also said I have to speak with Reliacard, I again repeated that Reliacard is not answering their calls, I called the FDIC and they referred me to  the Federal Trade Commission, the Federal Trade commission referred me to the Consumer Finance Protection Bureau, I've filed complaints with the XXXX in Florida where the company is that billed and was paid by my bank US BANK from my debit card, I also filed a complaint with the XXXX in Idaho against US Bank for not helping me -- there is no physical address for Reliacard other than US Bank and they refuse to help. I checked online and see multiple complaints and concerns regarding the USBank Reliacard and their  unresponsiveness to the complaints, something has to be done to help the consumer and have the big corporations like US Bank actually address the complaints.
Product: Credit reporting

This item shows as XXXX years old and should not be appearing on my credit report. For XXXX it does not ..., XXXX not appearing however for XXXX it is still there.
Product: Debt collection

Merchants Credit Guide Co, reported on XX/XX/2019, to the XXXX credit bureaus that I owed {$930.00}. They claimed it was from XXXX XXXXXXXX XXXX XXXX. For the past three years, I disputed multiple times through each bureau. I also directly contacted the Merchants Credit Guide Co after XXXX XXXXXXXX XXXX confirmed they have no such a record with them. I sent the documents ( copy of my DL, written statement ) the collection agency asked me to email and they never respond back to my calls or emails after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XXXX XXXX, 2022, I received an email from Credit Karma in regards to a Hard Inquiry on my account that affected my credit score. I clicked on the link and noticed that 15 pts were taken off my credit score. I checked my list of hard inquiries and noticed three were unfamiliar, one at XXXX on XX/XX/2022, and XX/XX/2022, and XXXX XXXX XX/XX/2022. I immediately tried filing a dispute and was informed that I would have to contact Transunion and file a dispute through them. While continuing to look at my credit card account, I was looking a vehicle options and it referred me to carvana. I typed the vehicle I was looking for and it gave me offers that would be suitable for me financially. After clicking on carvana it wanted to verify my information, however when my information came up, it showed my name, not my address, and for date of birth it showed a message saying hidden for security. Immediately after I contacted Transunion and Spoke with a representative and was told I have to submit documents with a copy of my social security card or drivers license.
Product: Credit reporting

I visited TransUnion 's website after my dad 's house was broken into in order to protect my identity after a computer with my data was stolen. I entered financial information that I thought was relavent to protecting my identity. TransUnion 's website emphasized that this services was FREE in all capital letters. At the end of the process I was charged {$1.00}. I was frustrated that this was n't disclosed prominently or in some sort of checkout page, however I assumed that this was a one-time charge like what the post office charges for changing your address online. I did not know, because of the absense of a checkout page, that TransUnion would charge me XXXX dollars a month for their service. This charge was also not prominently displayed in their monthly emails but rather hidden in fine print on their website. I contacted customer support and was refunded less than half of the charges. I was transferred to a supervisor to get the remaining charges refunded and was rudely told no. I asked to speak to their supervisor and gave my phone number. This became a game of phone tag but I could not get through to them when I attempted to return their calls. They left me no extension to reach this person. I am requesting a refund in the amount of {$36.00} -- the remaining charges that TransUnion made on my account. I also ask that transunion display this as a clear monthly charge on a checkout page instead of misleading consumers with FREE in all capital letters. I requested this through the XXXX however they were unable to encourage TransUnion to refund the charges. I also found on the XXXX website that other consumers have had problems with this service. Thank you.