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

I looked at my report back on XX/XX/XXXX, and noticed some things were incomplete and not accurate. 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. These accounts [ XXXX XXXX XXXX ] & [ XXXX XXXX ] are not complete and accurate. 

I sent a notarized affidavit highlighting the inaccurate accounts and asking them to make sure everything is complete and accurate and here is my tracking number - XXXX ( they received it on XX/XX/XXXX2024 ). 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 

And according to 15 USC 1681i 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. 

Since they did not, I sent another letter on XX/XX/XXXX2024 - Tracking XXXX, requesting them to provide me a description of the investigation according to XXXX XXXX XXXX ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

That letter was delivered on XX/XX/XXXX2024 and they did not adhere to that either as no response was received within 15 days and no items were updated/removed. 

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. 

Attachments : - XXXX XXXX- highlighting inaccuracies on XXXX XXXX - XXXX inaccuracies - highlighting inaccuracies on XXXX XXXX XXXX XXXX - TransUnion part XXXX XXXX - showing that the inaccuracies have not been changed as of XX/XX/XXXX/24 - Initial letter Affidavit - signed XX/XX/XXXX24 - Transunion Reply - XX/XX/XXXX XXXX 15 USC 1681i ( 7 ) letter ( sent XX/XX/XXXX24 )
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX  are reporting incorrect information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, XXXX, and Equifax have a bankruptcy on my report. 

I reached out to the company XXXX about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.
Product: Checking or savings account

My ex husband kept trying to close my account, he has nothing to do with my account and was not authorized on rthe account. In XXXX of 2023 he requested my account be closed and it was closed. I called and spoke with member services and explained the situation. I was told my account would be reopened and that notes were put on my account explaining that no changes should be made to my account by anyone calling support. Not even 48 hours later my account email, phone and address were changed as a result of him contacting support again. This action locked me out of my account and allowed him to transfer {$1400.00} to his own account. While he was able to do this in one phone call I had to jump thru hoops for a week before I was given access to an account that was empty. I disputed the transfers and a few other charges he made. Chime denied my dispute stating they found no errors in the transactions. I submitted multiple rebuttals and explained in depth how this was not authorized transactions that occured during a time when I had no access to my account after access was given to an unauthorized person despite stating my account had notes not to make changes on it. I even suggested that they look into the IP addresses for devices accessing my account and see that they changed when my account info changed and that this would confirm an unauthorized user. Again they denied my dispute. I asked for documentation used and received a vague intake report form that had minimal details about the incident
Product: Debt collection

Called after my work place was served with a garnishment asking for proof the agent told me on the phone that should could not come with how they got too XXXX dollars said it made no sense and when I asked for proof of service they served an old address and on a record line on XX/XX/10 XXXX a supervisor informed that the person who answered the door refused and the server left it at the door. I was never properly notified the law firm from refused to provide me any proof all the info they had on file old and outdated. When I called to discuss this they said they did an internal review and determined no wrong doing was done even tho the agent told me I was never served! How is this legal
Product: Mortgage

I closed on a mortgage with CMG Financial on XX/XX/19. My first payment due was in XXXX. I have reached out to the loan officer who has provided no direction on how to pay this, so I reached out to the company CMG who routed me to their call center. I have spent an hour on the phone this morning getting the run around and continually being transferred and put on hold. XXXX ( employee id # XXXX XXXX gave me three options to pay ( {$2.00} to pay with " IVR '', {$9.00} to pay with him, or i could go to www.loanadministration.com to pay for free. After I went to www.loanadministration.com, I put  my loan number in and my full social security number in multiple times only to get the error " loan number not found '' i explained this to XXXX who put me on hold for another 15 minutes and came back and said the correct website was cmgmortgage.loanadministration.com. So based on the information I was given by XXXX, I put my full social into the wrong website multiple times, so now social security number is compromised. Once I finally got the correct information from XXXX I was able to painfully create an account where I was forced to accept automated calls on my cell phone just to create the online account. I then logged into my account and there is literally no option to pay for my mortgage. I tried to " live chat '' with someone from the website and even after filling out every single field I receive and error. How is this ethical or legal business behavior? It is not reasonable for a consumer to pay {$9.00} to pay their home loan when the website does not even work properly.
Product: Credit reporting or other personal consumer reports

1. Aidvantage is servicing for Dept. of Education in reference to school loans. 

2. To my knowledge the Dept. of Education is a federally funded entity and any obligations it issues are backed by full faith and credit and subject to automatic discharge. 

3. Aidvantage is continuing to report it as unpaid, and has not issued any cancellation of debt documentation in relation to this account in its relation to the Dept. of Education which is federally funded. 

4. Also their reporting of the transaction for this account is in direct conflict with the Family Educational Rights and Privacy Act ( FERPA ) which is a federal law that protects the privacy of student loan records. 

5. The FERPA applies to any public or private elementary, secondary, or post secondary school. 

6. Any and all security interest granted to Aidvantage is now revoked effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. I have sent mutiple letters and received no response.
Product: Debt collection

On XXXX and XXXX I Discovered That Someone may have Obtained and improperly Used my personal identifying information to obtain credit, goods or services from XXXX XXXX XXXX  AKA XXXX  AKA XXXX  XXXX XXXX, AKA SW CREDIT SYSTEMS , INC and 11 XXXX XXXX in the amount of {$290.00} This unauthorized use of my information was discovered During A follow up Check of My XXXX  Credit Report in response to monitoring alerts that I received On XXXX and XXXX. I have never had any account with this company or any of its Listed Affiliates. I have never authorized any use of my personal identifying information to obtain any credit, goods, or services from the entities listed. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their listed addresses XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX phone and On or around XXXX XX/XX/2020 I filed a Identity Theft Police Report with the XXXX XXXX Police Department in regards to XXXX 's unauthorized use of my personal information in order to support the manufacture a erroneous debt that I do not owe. I was never notified about any debt with XXXX. XXXX and it's affiliates are providing information to others about the {$290.00} debt. It was only after I received a monitoring alert that I discovered that XXXX was sharing erroneous, and damaging financial information about me with others ( XXXX XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT NUMBER : XXXX ) ( SPPD Tracking # XXXX ) I have never received any verbal, or written notification of any {$290.00} debt owed from XXXX  or any of it's listed affiliates. XXXX and it's related companies are causing damage to my reputation due to their improper actions on a recurring basis. And Now SW Credit systems Inc. L.P
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with TransUnion 's refusal to permanently delete adverse accounts from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 605C. I am a XXXX XXXX XXXX XXXX  and, as per the protections XXXX XXXX XXXX, I am eligible for these adverse accounts to be permanently deleted. 

Despite providing the necessary information to TransUnion, they have not acted upon my request to remove the accounts as required by law. I am seeking your help in ensuring that TransUnion complies with the provisions of FCRA 605C, so that these adverse accounts can be removed from my credit report permanently. 

Please find any additional documentation attached as needed.
Product: Mortgage

I have an XXXX loan ( -- XXXX ) with Wells Fargo bank since XXXX. I was paying on time every first of the month. But recently they have started charging {$450.00} every month as past due. I went to talk the local wells Fargo bank. They said it is a XXXX account and call the number provided for help. I did call them with provided phone number on the statements with many times. They just transferring phone calls and hold for many hours. Still I am paying {$450.00} every month since XXXX. My business is very slow and not able to pay this " illegal '' late charge for past due. I was paying on time in the local bank then how come it is " past Due ''. No one is giving me any answer. Always says- will e-mail. But they never contacted me. Please kindly resolve this issue and refund my " past due '' money collected illegally. Thanks Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow XXXX is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.
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. 

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXXXXXX and list of Inquiries. 

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 XXXX 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here are the hard inquiried I have asked you to verify as accurate : Inquiries & Date of 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 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  These inquiries were never authorized. I do not recall approving these inquiries. Please provide documentation proving that I approved these inquiries. They are affecting my ability to obtain credit. I would appreciate it if you would show proof that I authorized them or delete them from my reports. XXXX, Equifax and XXXX failed to investigate these inquiries properly after I repeatedly asked via written request to have the inquiries removed. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following inquiries : Inquiries & Date of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts XXXX XXXX account number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX
Product: Student loan

In XX/XX/XXXX, I completed the XXXX page Navient XXXX XXXX XXXX and submitted it along with supporting evidence as required. I attached a copy of the application and my responses. Navient serviced my Federal loans under a consolidation SallieMae coerced me into in XXXX. 

On XX/XX/XXXX I got a letter from Navient the my application was approved. I was refunded 2 months payments. I believe this to be an incorrect amount. 

On XX/XX/XXXX, I emailed Navient requesting a correction to my refund amount. 
On XX/XX/XXXX, Navient sent a general denial of my request. 

I believe that the amount refunded to me upon was incorrect and should be corrected based on applying the Holder Rule. In approving my application Navient agrees that my widely known fraudulent, for-profit school and its parent company XXXX  engaged in gross and misleading misconduct. I should be eligible full refund of all payments made on my account dating back to XX/XX/XXXX including all payments made on consolidated Federal Loans. What XXXX XXXX XXXX sold me amounts to a defective product financed on lies and as a defrauded consumer, should be eligible for a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' and Also " XXXX XXXX XXXX '' All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with  XXXX ,  XXXX , and Experian. After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  XXXX  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
Product: Credit reporting or other personal consumer reports

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX, Account # XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Product: Student loan

I have both federal and private loans. I was n't able to complete the program for which I initially got the loans and now the payments are way too high. I just ca n't afford them. Navient has been unwilling to work with me. I 've been told many times that there 's nothing more they can do for me. I am the parent of a special needs child. He requires round the clock care and I can no longer work the hours I used to work. Navient does n't seem to care about this at all. I have heard that the Fed will be forgiving student loans for disabled/special needs students. I think they should also forgive loans to parents of special needs children who 's children put a significant time and financial strain on the family. I should n't be required to decide whether or not this month my student loans will get paid, OR my son will have the medical attention and care he needs.
Product: Debt collection

X/X/16 XXXX XXXX XXXX. I paid this debt with XXXX and it was still sent to collections without my knowledge. I never received any collection communication. There was never a need bc I paid them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, XXXX and Equifax, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because XXXX  and Equifax say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to XXXX and Equifax did nothing.
Product: Credit reporting or other personal consumer reports

I contacted Newrez- Shellpoint that says it's a debt collector. I received a letter from Newrez-Shellpoint saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.