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

This is a repeat complaint. Equifax initially responded that they were investigating and getting back to me with results. This was on XX/XX/XXXX. As a result, that complaint XXXX was closed. I never heard one word from EQ. I then submitted it again on XX/XX/XXXX Complaint XXXX and no response to date. I first started this dispute in XX/XX/XXXX. All records have been attached. I d need these three accounts to report on my EQ reports. One of these disputed accounts did show up very briefly only to be taken off yet again after approximately four days. I 've been treated so unfairly and ignored. 

The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. On XX/XX/XXXX EQ  Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2. XXXX 3. XXXX XXXX XXXX. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. EQ Report XXXX Begins the non-reporting of my AU accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an AU. I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. Thanks for your time.
Product: Student loan

My obligatory student loan servicer, XXXX XXXX, has once again, for third straight year in a row, refused to certify my employment eligibility for the Public Service Loan Forgiveness ( PSLF ) program based on alleged and non-existent errors in my annual paperwork. This is the second consecutive complaint I've submitted to the CFPB on this exact same set of facts ( ref : XXXX ). At this point, it is starting to seem like either gross incompetence or intentional obstruction of access to these benefits, and I would like the XXXX to investigate. I also note that XXXX XXXX does not have an a customer complaint process that reports back results to the customer ( " it's an internal matter, '' according to the representative I spoke to, XXXX ( XXXX ID XXXX ) ) so CFPB is the only recourse available, and the only way I have obtained any remedy in the past. 

To briefly recap the now all too familiar facts ... each year I submit an Employment Certification Form ( attached ) as recommended to record my progress of making the XXXX qualifying payments needed to have the balance of my loan forgiven. Each of the last three years, XXXX XXXX rejects my certification, claiming some sort of nonsensical error in the dates of my employment. This year it was that my employment end date preceded my employment start date ( see attached letter ), which is ludicrous since I have no employment end date as I am still working at the same employer I've been at for the last four years. I called XXXX XXXX to rectify this and all I get is an unaccountable runaround and an assurance that they will reevaluate my paperwork and look into the problem. While I certainly want their processing error here corrected, I also want this to stop happening, and I worry what this pattern of incidents portends for the day I actually apply to have my loans forgiven. As has been widely reported in the news, quite a few borrowers have been surprised by XXXX 's XXXX hour revelations that their loans are suddenly not eligible for forgiveness and I do not want to be one of those cautionary tales. 

I implore you to take a hard look at XXXX 's internal policies, procedures, and training around how its customer 's access the PSLF program. Based on my experience, it seems that they put more effort into obstructing access than facilitating it. We have no choice in who services our student loans and have no way of compelling them to act in our best interests, so the CFPB is our first and last line of defense against this monopolistic entity. Please hold them accountable to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXX/XXXX   XXXX {$400.00} XXXX  XXXX {$300.00}
Product: Checking or savings account

Both of my stimulus checks were sent to an account that isn't mine, and Chase bank told me there is nothing they can do. And the IRS isn't trying to to anything either.
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Debt collection

Kross.Lieberman and Stone is shown on my credit report as the debt collector XXXX for a XXXX medical collection. I did visit XXXX on XXXX/XXXX/XXXX and my insurance company was supposed to pay and did n't. XXXX collected my {$30.00} co-pay at the time of service. The total bill was {$320.00} but Kross/Lieberman has reported an outstanding balance of {$420.00} on my credit report. I wrote XXXX on XXXX/XXXX/XXXX offering to settle for {$150.00} but have yet to hear from them on my settlement offer. I battled with my insurer, XXXX of NC, for years to no avail.
Product: Checking or savings account

A pending transaction in the amount of {$120.00} was XXXX  against my checking account making 80 % of the deposited funds unavailable for use. The bank was unable to provide visibility to the merchant making the debit against my account. The bank was also unable to provide sufficient corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also permission to report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed the credit bureau is reporting incorrect info, it shows I have 2 late payments accounts which is incorrect. When I try to click to see accounts nothing shows up. I have NEVER been late on any of my accounts.
Product: Credit reporting or other personal consumer reports

I think my XXXX XXXX opened these accounts under my name when we broke up. Please remove these from my report, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Money transfer, virtual currency, or money service

I opened up my bank account at a credit union a year and a few months ago. At the time I did not have a phone number and I also used an email which is a different email from my current email to make this bank account. I set up the bank account with XXXX XXXX XXXX XXXX. I also set up a Zelle account, which can be made by linking your bank account and an email to Zelle. And then you will be able to transfer. However, I eventually tried to change the email that was linked to Zelle to a different email address. I did this by trying to access the Zelle setting on the credit union website. Which can be found when you go to a section called " transfer money with Zelle and the pressing on the settings of that section. But every time I went to the Zelle settings within my credit union website, it would log me out of the credit union immediately. I would press it then it would log me out half a second later. I could briefly see my settings, but it would always log me out in under a second. I tried changing it on the app on my smartphone, that did not work either. I also tried it on my desktop and also tried the website of the credit union on the browser on my smartphone, but none of these options worked. I tried accessing Zelle through the Zelle app and the Zelle online website as well, but it just redirects you to the bank where the Zelle account is set up with. I called the credit union customer service, and they said it is probably a backend issue, and it might work in a few hours. Days passed, and it still would log me out when I clicked on the Zelle settings. I called the credit union people again, and they referred me to a Zelle representative. But the Zelle representative was no help either. I even tried calling Zelle directly, and they told me to speak with my credit union, because it is probably an issue on their end. I eventually stopped trying. For personal reasons, I eventually changed my bank account email to the current email I use currently. I also tried accessing the Zelle setting again to add my number and change the email, but I was once again logged out when I pressed the Zelle settings. And the Zelle is still is only linked to that old email. I gave up and had not tried changing the Zelle information in the Zelle settings for a couple of months, but today a family member tried sending me money through Zelle. They were not aware that I did not have my number linked, and thus the money didn't send. I tried going onto the Zelle settings within the credit union website to add my number, but when I tried accessing the Zelle settings on the credit union website, I was logged out immediately. It shows the settings like my old email and so forth for half a second, then logs me out. So I don't know what is going on.
Product: Mortgage

We are writing this in hopes you can help keep a family in their home. XXXX and I have a child with XXXX problems. Treatment was expensive, and even with the continued expense of necessary medication, we paid our mortgage on time until XXXX lost his job. After this, it became impossible to make the house payments. During most of this time we barely had enough money to eat. 

It was a trying time, but we tried our best. When we were finally on our feet enough to be able to put together a month or two, Seterus declined the payment. They wouldnt take our money or work with us to make it right. We wanted to get back to paying on time, as we had before, but they said they wouldnt do anything until we paid the entire balance.
Product: Debt collection

I received mail from this accreditor in XX/XX/year> about a debt collection from XXXX XXXX. This collection must have been an error or fraud on the part of the apartment agency.
Product: Vehicle loan or lease

In XXXX, during the pandemic, I request a deferment of my car payment. I was offered a 4-month deferment with the four payments added to the back of the loan. I agreed to take the extension. Starting on XX/XX/XXXX, I had no car payment for 4 months. In XXXX, make payment was to restart. I made payments in XXXX, XXXX, XXXX, and XXXX. See attached documents. For these 4 months, none of the payments were applied to the principal ; they took the whole payment and applied it to nothing but interest. I find this not to be a normal practice. Next, according to the term of my contract, my last car payment was supposed to be on XX/XX/XXXX. I have made a payment for the following additional four months to cover the four payments that were added to the back of the loan during the period for the extension. See attached file. When attempting to communicate with ally and questioning why the 4 payment was only applied to interest, I was unable to get a clear reasoning. When I attempt to calculate for myself what they have done for the beginning of this loan, it does not make any sense.
Product: Credit card

Paypal Credit account was opened and negatively impacted my credit history with knowledge or consent. Settled this with Paypal years ago but my credit is still impacted negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

My my credit his my credit report has been compromised they told me that he sent me a letter and everything is on my account on my credit should be there and they have not fix anything and they have not asked in our family anything else besides its in the pin number which doesnt make any sense because my credit still be around when it supposed to be a black Im in a freeze on my account.
Product: Credit reporting or other personal consumer reports

I have had my XXXX XXXX XXXX XXXX since XXXX with no issues. XXXX claims to send balance and payment history monthly to all three credit bureau 's. I noticed on my experian credit report that my payment history has not been updated in 6 months ( XX/XX/XXXX ). I contacted XXXX, and they informed me send information monthly to all three credit bureau 's, to contact Experian. Experian claimed they haven't received any information to update, and suggested I file a dispute. I file a dispute on the account with evidence account information has not been updated in 6 months. XXXX 's response was " the information is correct. '' Which it is not. After googling, I found there are multiple users with this issue. I e-mailed them, explaining the information was in fact not correct, with the screen shots, and they once again suggested to contact Experian. They advertise that they report, when in fact, it seems they have stopped that effective XX/XX/XXXX for multiple customers.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I didnt give consent to pull my credit report. I would like inquiries removed from my credit report immediately!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX XXXX XXXX Balance {$1600.00}
Product: Credit card

I have always been sent paper statements. Citi discontinued sending paper statements without my request to do so. No emails were sent to me alerting me of payments due. I received voice mails after the payments were deemed delinquent and late fees were charged to me. I called and complained. The late fees were not withdrawn, they will not send paper statements as I have requested and continue to charge me late fees and list me as delinquent and subsequently damaged my credit rating. Im responsible about my payments as my other credit card companies will attest to. I need help from you with this issue. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

Good day, I am the victim of identity theft. This information appears on my XXXX XXXX Report and is not related to any transactions I've completed. 

Please remove the identity theft information from my XXXX XXXX report in accordance with Section 605B of the Fair Credit Reporting Act and notify all those who provided it.

Please find attached a copy of my XXXX XXXX got from them. Fraudulent items are circled. Please find attached a copy of my identity theft report and proof of identification. I appreciate your prompt response to this issue and look forward to hearing from you. 

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

THESE INQUIRIES ARE NOT MINE AND FRAUDULENT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 and XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of service was XX/XX/XXXX with XXXX XXXX. My primary insurance is XXXX, secondary insurance is XXXX. I received numerous bills from XXXX XXXX which I responded to immediately. I sent them the explanation of benefits from my secondary insurance stating that my patient responsibility was {$0.00} but they continued to bill me. I tried numerous times to contact their office during posted business hours but they were closed. Finally on XX/XX/XXXX, I spoke with someone in XXXX XXXX  billing office. I was told that XXXX XXXX did not accept the contractual write off from my secondary insurance because my primary insurance did not have a contractual write off. This information was false according to XXXX XXXX an XXXX representative through Human Resources where I am employed. She spoke to XXXX XXXX on XX/XX/XXXX and was told I have a XXXX  balance. However, XXXX XXXX had already turned this bill in to a collection agency who in turn sent a notice to the Credit Bureau. I have very good credit and I was being bullied into paying XXXX XXXX  money that I did not owe them. It is not fair to me to have this incident on my credit report and I would like to make sure this reporting is removed from my record. Someone should also investigate the billing practices of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my consumer credit report and file. I sent in a letter to them requesting the immediate removal of the account from my file and report and they responded that the creditor certified that the account was reporting accurately. The information is damaging to me as a consumer. Per 15 usc 1681e ( b ) they should be reporting 100 % accurate information. How is an account accurate if it is being reported differently amongst the consumer reporting agencies? To top it all off, I DID NOT give EQUIFAX any form of written instructions to accept, furnish or report any information on my behalf! Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I asked them to provide a contract between them and me, notarized by a senior executive, showing that I granted them permission because no consent is identity theft. They treated my letter as if it was a dispute, however it was not a dispute, it was written instruction from me the consumer.
Product: Vehicle loan or lease

I received the auction receipt but am dissatisfied due to lack of transparency, especially regarding the buyers details and unaltered transaction information. Given North State Acceptances dishonest practices, I demand a full, unaltered receipt or immediate deletion of the account. Please respond within XXXX business days.
Product: Checking or savings account

My social was stolen from a government agency. Alot of account were open that dont belong to me.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX