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

XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} In good standing with XXXX XXXX XXXX LATE PAYMENT ( XXXX ) Balance {$0.00} Balance updated XX/XX/XXXX This should be updated to reflect in good standing across all credit Bureaus XXXX XXXX XXXX XXXX I also have contacted them many times about removing my membership they continue to ignore my requests and continue reporting incorrectly. Putting my credit score in peril without my consent. 






XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Complaint : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX- I did not authorize this Inquiry. I did not give them a permissible purpose. Please remove from my credit report with XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I called TD Bank several times and told him that I couldn't make a payment because I couldn't login they kept asking me why I couldn't login I might because the secure card is I guess linked to a checking account that I had seven years ago and they like oh do you have this number with you so we could send you a link I sent you a code to the account I'm like no it's like seven years ago I don't have that number anymore. I told him this so I can make a payment still couldn't resolve the issue. I had no lettuce sent to me based upon all you need to make a payment, anything when I try to resolve the issue I told him I'm like I can't sign and I can't sign in. I can't make a payment. I was told oh well a new car gon na get sent to you a new car was never sent to me and I was told I need to make a payment over the phone and I'm like why would I make a payment over the phone where I should be able to make a payment online where I can sign in trouble signing in everything it's so they end up closing the account but then it still say open
Product: Mortgage

I originally purchased my home mortgage through XXXX XXXX. A few months ago, they sold my mortgage to Lakeview Loan Servicing LLC. Well when they transferred the loan, they completely messed up the transferring of funds. For one example, I had made a separate payment of {$10000.00} strictly towards my principle while my mortgage was with XXXX XXXX. Now that Lakeview Loan Servicing LLC has it, at first they completely neglected that payment altogether. I contacted them probably 15 times trying to get this straightened out. Now they took that {$10000.00} and applied it towards the monthly payments which is not the same at all.

Doing that virtually turned my {$10000.00} into {$1500.00}. I have tried calling, emailing, and every other form of communication with them but they are either completely incompetent or they know exactly what they are doing and are stealing money from me. 

I would be so grateful for help in this matter. 

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

XXXX XXXX agencies are reporting inaccurate incorrect information in my credit report without my authorization.
Product: Credit reporting or other personal consumer reports

According to Fair Credit Reporting, all of the above accounts have violated my right. 15 U.S.C. 1681 SECTION 602 A. DECLARES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 TO SECTION XXXX ALSO PROVIDES THAT A REPORTING AGENCY OF THE CONSUMER CAN NOT PROVIDE AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

On the evening of XX/XX/2015 I made arrangements with the Sr. loan officer at Fortren Funding to supply a cashier 's check for the amount of XXXX to forward to a title agent in order to start my new escrow account. Since my old escrow account did not have the substantial amount of funds to satisfy my taxes, I supplied those sufficient amount of funds with that check since according to XXXX the Sr. loan officer and the closing agent, stated that I would be receiving a disbursement check in the amount of XXXX back from my old lender after washing my old escrow account and also would be skipping 2 monthly payments making this transaction costing me {$500.00} from OUT OF POCKET EXPENSES. 2 months later I discovered that a tax payment did not get paid in full to my township and I called XXXX and said he will look into it as adjustments were being made. I also offered to pay the taxes myself and the township said I should not have to if they were escrowed and why was only a partial payment made? I then contacted XXXX again, when we discovered that my car payment had increased and my credit score was destroyed after having outstanding credit and and increased mortgage payment of {$220.00} plus penalties and fees from my current lender causing me to become XXXX from trying to make up losses in which XXXX said to pay temporarily because THERE WAS A HUGE MISTAKE until adjustments start kicking in. A few days later he disconnected his phone and disappeared. I then contacted the management and I spoke to XXXX and he asked me a couple questions and then asked me if I received a disbursement check? I said yes. He stated " there you go..you spent it '' I said yes..He then asked why didn't I pay my taxes with that disbursement. I told him that was not the arrangements I made and furthermore the check was no longer useful to pay taxes in late XXXX when I received from my former lender and even contacted them for sufficient proof. He then told me that only my new lender can help me who ever they are because my loan got all screwed up ... and anyway I skipped 2 monthly payments ... At this time after enormous hardship after my cost of living has increased {$300.00} a month for 3 consecutive years and can not work, I lost my second home and now facing foreclosure on my primary residence and have to live my life as if I am XXXX years old on hospice and my credit history shows up as my Father 's old credit history from over 20 years ago and have an outstanding radiology bill that was transferred to my name as XXXX. I know I have already submitted 20 + complaints about this matter and I know it is a duplicate ... .but however I will stop this from happening to anyone else and will have to handle this on my own as it is now being conspired by other collector 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX NA # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received the results of a background check done through Checkr.com for a position at XXXX XXXX. Included on the report was a record from XXXX County dated XX/XX/XXXX for a misdemeanor charge : XXXX XXXX XXXX XXXX XXXX XXXX. Previous background checks that have been performed did not include this record, or gave me an option that stated I was not required to include this record based on its age. I contacted Checkr.com 's support and they respond with an email : " Thank you for contacting Checkr, Inc. regarding your background report. We understand that you have questions as to why certain offense ( s ) show up on your report, given their age. After reviewing your report, we are writing to advise you, that based on your location and reporting guidelines, the information is reportable.

Please understand that if you have had reports run in the past, these reports may look different and include different offenses, depending on when the report was ordered and which company ordered the report. It is the decision of the company you have applied with to determine the scope of the report. If you have any questions about how your report will be considered by the company you applied with, please contact that company directly -- Checkr is not involved in decisions about whether to hire or engage a candidate. 

After you review your report, if there are any errors or inaccuracies, please let us know -- please be specific to help with our reinvestigation, and we are happy to assist. 

I responded with : " I was doing some research on why this item might be included on my background check, and the consumerfinance.gov website makes it seem that this record can not legally be included in my report. 

" In some instances, information may be reported that is out of date or prohibited by law. For example, under the FCRA, an arrest is generally not allowed to be reported when it is older than seven years, or outside the governing statute of limitations.66 " Would you mind citing any rules or regulations that allow this record to be included? I understand that there are exceptions to the 7 year rule, but I can't find anything that would allow a 9 year old misdemeanor to be included. I'm trying to get a better understanding of this record because it has not showed up on other background checks I've had done, or the other companies had an option for me to provide more details about this record, and typically the answer I was prompted to include was something along the lines of " I am not legally obligated to report this record to employers based on how long ago it occurred. '' Thanks for your help! '' Could you please help clarify if this record should be included on my report and if it is, why? This record is 9 years old and I live in Colorado, so all my research has pointed to this not being a valid record to report. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cell # XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information regarding a collection/charge-off account. I am requesting that this information be removed under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681s-2, and 15 U.S. Code 1681i ( a ) ( 5 ). Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : The information reported is inaccurate and does not comply with the requirements set forth in the FCRA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Additionally, 15 U.S. Code 1681s-2 ( a ) outlines the responsibilities of furnishers of information to provide accurate information. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion or modification of information that can not be verified. I have enclosed copies of the following documents to support my dispute : copy of your credit report page with the disputed item. 
Please conduct a thorough investigation of this matter and remove the inaccurate information from my credit report. I request that you provide me with a written statement confirming the deletion or correction of this information. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$18000.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding inaccurate information on my credit report. However, Experian conducted an improper investigation of the dispute, which resulted in the continuation of the erroneous information. Specifically, the investigation was not thorough, as it failed to address key details and supporting documentation I provided. Despite my efforts to resolve the issue, Experian did not make the necessary corrections to my credit report within the mandated timeframe, nor did they provide adequate feedback or clear reasoning for their findings. This lack of proper investigation and failure to correct the inaccuracies has negatively impacted my credit standing and caused undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : Chapter XXXX Bankruptcy Reference # : XXXX
Product: Student loan

Navient says my loan wasnt included in the lawsuit. When I asked how they determined that because the attorney sent me a claim which I submitted. The attorney website states that Navient should stop collecting on the amount listed in the discharged debt column on the claim submitted to attorney office. Navient keeps telling me they are researching my case but still keep billing me and wont provide any additional information. The attorneys office just tells me to contact Navient if they are still trying to collect on the loan. Nobody is still standing up or helping people like me who are still being railroaded by Navient. Navient is inconsistent with their guidance to borrowers- everytime you talk to a different person and they give conflicting information. They continue to reprimand me for contacting them using my co- signers login information, which Navient forced me to create when they suddenly transferred my loan to my co-signer due the lawsuit. After I filed a complaint with you, I was finally able to get the loan transferred back to me but Navient forced me to call in order to do that- so I had nothing in writing. I specifically asked on that phone call if I needed to change my login information again and was told no. Now everytime I send a message they refuse to answer my questions because I using my co- signer login. I dont want to change my login because I am afraid I will lose the history on the account. Navient has been jerking me around for years due to this lawsuit- they caused me extra aggravation when I all I wanted to do was make my payments. They refuse to communicate in a timely and professional manner and they know that the attorneys answer is to deal with Navient if they arent abiding by the terms of the settlement. The reason Navient keeps getting sued is because of this kind of shady business practices. I expect Navient to provide in writing the status of my loan and my balance owed after the discharge amount from the settlement is removed. If Navient doesnt intend to honor the agreement as dictated by the court settlement then I request a written explanation as to why so that I can share that information with the attorneys office.
Product: Vehicle loan or lease

I had a lease for a XXXX XXXX XXXX, 42 monthly lease payments of {$830.00} Audi Financial took the last payment due in XX/XX/XXXX ; the lease terminated in XX/XX/XXXX I submitted a check, which Audi cashed in late XXXX, to purchase the vehicle for {$29000.00} at end of lease Its now XXXX and I still dont have the title, odometer statement, or bill of sale Today ( XX/XX/XXXX ) Audi said its with a third-party vendor for sending me the completed documents, but they werent sure when that would be. 
The agents/employees for Audi have provided bad information such as were short on staff because of covid, were using a third-party vendor and theyre backed up, and Im assuming child care is in issue as one time I called and had to talk over a crying child.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance {$84.00} XXXX XXXX XXXX XXXX Balance-
Product: Debt collection

Midland Credit Management tried to collect a debt I did not owe. They only contacted me by phone, never in writing. 

Now, they have began to harass my wife for the debt. They have told her that the original debt was to XXXX. In their attempts to collect the debt from me, the never mentioned the original creditor. 

Their tactics seem to be working, as this situation has put a great deal of stress on our marriage. 

Even if I ever owed this debt, I believe that Midland may not contact a family member to discuss it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - XXXX - {$800.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX - XXXX - XXXX XXXX {$6800.00} XXXX XXXX XXXX - BENEFI***************** - XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX {$4300.00} XXXX XXXX XXXX - XXXX - XXXX - {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1800.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XXXX DT CREDIT - XXXX
Product: Credit card

Synchrony Bank has not allowed me to log into my account for months, giving me the error : " Our system is experiencing technical difficulties at the moment. Please try again later. ". 

The chat bot on their website seems broken, continually telling me : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' and when I click the button to contact support I sit in queue for days with no response : " Please wait until a support agent joins your session '' There is no way to email support or get in to my account to cancel my card.
Product: Debt collection

A collection was put on my account do to fraud. I was a victim of identity theft. I never physically went in XXXX and open a account. It had to be done on line do to my identity being stolen
Product: Student loan

DEPT ED NELNET XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.
Product: Bank account or service

I attempted to deposit cash into my father 's checking account at Chase bank. I recently moved and I am no longer able to drop off cash at his home. I was advised that I can deposit a personal check but they would put a hold on it. I had already gone to my bank to withdraw the {$1000.00}. They asked if I am a Chase bank customer and I said yes that I have a credit card with the bank. The teller said she could due a cash advance for a fee from my account. To me, Chase is just trying to make things harder for their customers to bank at their institution. This is a ridiculous rule that does n't really safeguard bank assets and it is wholly inconvenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to KIA Motor Finance several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. KIA never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help resolve this matter.