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

This is in response to New Mexico Educational Assistance Foundation and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by NMEAF. 
Upon asking NMEAF to correct some payment status information on my XXXX report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor NMEAF and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX
Product: Mortgage

I received a mortgage statement due XX/XX/XXXX on XX/XX/XXXX and sent it back XX/XX/XXXX. I then got a threatening phone call on XX/XX/XXXX saying they would take legal action against me to collect. 

This follows the treating letters I received in XXXX. 

There excuse is they took over the loan in the new year, but I do not think that gives them the right to use stressful harassing tactics on me when they can not get the statements out in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sync/XXXX  on XX/XX/XXXX on my credit report that I did not apply for. Ive been a victim of identity theft and have been contacting as many retailers and companies that someone has been applying for credit in my name. The Sync/XXXX is still on my credit report and says it will remain there until XXXX.
Product: Debt or credit management

Five years ago XXXX XXXX approached my family thru their agent, suggesting we install their solar energy, they said it was going to save us energy bill. I told them that a roofer had stated that my roof had damages that needed attention. I told them that my insurance company denied that claim stating that my roof was good. 
I suggested that they let me know what was their thought, They said that my roof was good and that the solar panel even can give added protection to the roof. 
I accepted their offer on that premise. 
Upon installing the panels my roof started leaking so bad. I then called another roofer who showed evidence that the solar panels should not have been installed on a roof that bad. He showed that the installation even damaged the roof further. 
I had to pay to remove the solar and put a new roof. 
Now remember the solar was supposed to save us energy bill. That too did not happen. 
Our energy bill now is lower than when the solar was on. 
They put this on my credit report, keeping me from doing so many things that I ought to do. 
Kindly intervene and see that they make amends.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report. 

2. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

I have tried for over a month to transfer my balance from venmo into my bank account. I have already connected my bank account and it has been verified but it won't let me transfer the funds. There is over $ XXXX in there now and they won't respond to multiple inquiries as to why the transfer won't work. It seems like all customer service is either offshore/automated and it doesn't understand the issue. It just keeps telling me how to connect my bank account which I have already done. I actually connected it a second time just to see if that was the issue and it still doesn't work. It just says there was an issue with the transfer, check your information and try again. Any help would be appreciated.
Product: Money transfer, virtual currency, or money service

XXXX withdrawals were made from our joint account on XX/XX/year>, one for {$950.00} and one for {$490.00}. I called my bank ( Santander ) and was told to contact their fraud department. I did so and was given an ID number to track my complaint. I was told that the bank has 90 days to respond to my claim. The tracking number I was given was XXXX. I called the bank on XX/XX/XXXX and was told they could not locate my tracking number. They had given me a number that was only to track clearing house transfers, I was told I had to open a new complaint with the new number XXXX took place on XX/XX/XXXX. This served to extend the banks 90-day window to XX/XX/XXXX. 
Nothing happened until we spoke again on XX/XX/XXXX, the conversation became heated as I felt I was being treated very poorly. The conversation ended with the bank telling me that I would receive a resolution by XXXX XXXX. I received a letter dated XX/XX/XXXX containing " proof '' that the transaction actually took place. There was never any proof that we had acted fraudulently or had anything to do their transactions.I have correspondence from Santander which can not be sent in this fashion.
Product: Checking or savings account

My friend talked me into to switching to Chime from XXXX XXXX  about 2 months ago. I made the switch, withdrew money from and closed my XXXX account. Then, I deposited all of my cash ( over {$5000.00} ) into Chime and redirected my XXXX benefits to direct deposit into Chime. After several weeks of using the account without issue I made a {$700.00} cash deposit into the account and they suspended it 20 minutes later claiming suspicious activity on the account. They asked for a slew of documents and pictures of me with my ID, BC, SSC, etc. All of which I submitted within an hour. They then held my funds in limbo for over a week before telling me my account was closed and I was not eligible for a refund. They literally stole all of my money from me, everything I have! They are refusing to refund my money and continue to redirect me to their Account Agreement, Section 9 which specifically states that I am entitled to a refund. They also refuse to elaborate on how I violated their terms of use policy. This is not an isolated incident, they have thousands of complaints such as this all over the internet. 

My balance at the time my account closed should have been XXXX I also had a XXXX XXXX account that should have had nearly {$300.00} on deposit. 

I can not get exact balances as they have refused to give me any information regarding the account/ The suspension was placed on XXXX and the account was closed on XXXX with an e-mail telling me I am not going to be refunded. 

I reached out to them and they told me to send an e-mail to XXXX which only generates scripted responses that are not helpful in any way.
Product: Mortgage

I currently have an impounded account with my current lender Kind Lending and although my payments are current and there are enough funds in the escrow account, the lender failed to disburse the proper funds to the insurance agencies in order to pay for the renewal of the home owners insurance for the property in reference. The property requires 2 policies in order to have proper coverage for fire and the wraparound. Neither policies were paid. I was obligated to make a direct payment out my pocket to pay for one policy to avoid a complete non coverage in case something would happen, but being that I am already paying for all the taxes and insurance expenses thru my mortgage payment, I could not afford to also pay twice for both policies therefore I was only able to pay for one policy in which case KIND LENDING owe me a reimbursement. The second policy remains UNPAID and CANCELLED. I have called KIND LENDING 4 times and either they hang up on me or transferred me to people with no answers to why the policies have not being paid. I have also sent 4 faxes and 4 emails and again with no solutions nor replies. 
They have directed me to their website which contains FAKE information that the policies have been paid and are active which is not the correct information according to both insurance agencies. Their website is inaccurate and deceiving to the borrower.
Product: Credit reporting or other personal consumer reports

1.ability recovery services llc 2XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX these following companies are in violation of the fair credit reporting act ive reach out to these companies multiple times and the have refuse to respond in a timely fashion... the violation are including but not limited to.. 
15 usc 1681b permissible purpose.. I never gave none of these companies permission to use my information. 15 usc 1681 s-2 states if a company is notified that the information they are reporting is inaccurate they must remove it or do a full investigation and show proof that information is accurate 15 usc 1681 c-2 any furnisher shall not report any information that the consumer deems to be identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS REPORTING ON SOME CREDIT REPORTS BUT NOT ALL THREE
Product: Credit reporting or other personal consumer reports

Ally Financial was supposed to give me a non-disclosure form that gives me the option to opt out giving my personal information to any third party affiliates but they didn't do that. 
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. Dear Ally financial, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX -Experian, XXXX  - XX/XX/XXXX -XXXX, XXXX  XXXX XX/XX/XXXX -XXXX, XXXX XXXX XXXX - XX/XX/XXXX - Experian, XXXX - XX/XX/XXXX - Experian, XXXX XXXX  - XX/XX/XXXX Experian, XXXX XXXX  - XX/XX/XXXX - XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX Experian, XXXX - XX/XX/XXXX - XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called XXXX  who transferred me to the " closing department '' ( XXXX ) and was advised that XXXX closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why XXXX would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another XXXX investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by XXXX as a true example of professional banking standards and regulatory compliance. This was surely a waste of XXXX employees time, of mine and is a clear example of a break in process.
Product: Credit card

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX  mercury the account number XXXX. The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ].

According to my records. 6. Payment History : The payment history across all three major credit bureaus is incorrect. 7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681 c ( a ) ( 4 ), charge-offs must be reported accuratelv and should not appear on my credit report bevond seven years from the date of the charge-off. 
Moreover, listing multiple charge-offs on my credit report can improperlv extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by vour company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracv and reliabilitv of the limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 i, 1 am entitled to dispute inaccurate information on my credit report and request that it be corrected.

Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies.

Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft. I request that you conduct a thorough review of the disputed information and delete these inaccuracies.

Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly. Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Product: Credit reporting

Equifax reports me as authorized user for a XXXX charge-off XX/XX/2010. I am not joint-owner nor did I co-sign. Also I am not married never was therefore not a spouse and not to be held responsible!
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED / XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so DEPT OF EDXXXX has violated this law because this late payment is reporting on TransUnion.

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DEPT OF EDXXXX has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so DEPT OF EDXXXX has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.
Product: Student loan

The school was closed down do to unlawful practices. I attended this school in XXXX an withdrew from the program early due to motorcycle accident broke both arms an a leg, yet the loans were still being processed as if I was still there an I believe to full amount of program which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I filed complaint about an inaccurate balance showing as past due Experian fixed the issue with the balance. However, the balance was paid in full in XX/XX/XXXX, yet the report now shows the account was in collections until XX/XX/XXXX. This is inaccurate. I paid off the balance in XX/XX/XXXX and then there a mistaken tax bill sent in XX/XX/XXXX, which was cancelled. There was nothing due from me after XX/XX/XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.