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

On XX/XX/2021 I requested information on removing my loan account off a forbearance plan and requested information on deferring my payments. The response from XXXX referred me to a site to apply for a deferred payment plan, which I had questions about. 
On XX/XX/2021 I made another inquiry about deferring my payments and XXXX  again responded with a link to apply for this option online, which I did not do. 
On XX/XX/2021 I opted to pay the forbearance balance due in its entirety to bring my account up-to-date and current so that my credit report would show my account was in a positive status. I received a response from XXXX on XX/XX/2021 acknowledging my request to remove my account from forbearance. 
On XX/XX/2021 I requested a formal letter from XXXX acknowledging my account was current and in a non-forbearance status. 
On XX/XX/2021, XXXX responded and acknowleged that my account was in good standing and was told I would receive a letter in the mail but as of XX/XX/2021, I still do not have this letter. Additionally, credit reports are showing and have been showing for several weeks that my account is non-delinquent however it notes that my payments are deferred effective XX/XX/2021. This is incorrect, and I have called more than once and sent communication to XXXX requesting this be changed immediately and updated with the appropriate credit agencies. 
On XX/XX/2021, I opened a dispute via Experian against XXXX  erroneous reporting of my account status, and to date, it is still unresolved. This is a disappointing measure I have had to take to get this resolved and removed from my account. 
On that same day I called XXXX again about this error on my account status. The representative told me this was an error on XXXX part, that my account was current, that I never agreed to put my account on a deferred payment plan, and that my account should not reflect that my payments are deferred. The representative said she would escalate the issue to her supervisor and that it would take a couple of days to update. 
On XX/XX/XXXX, I called XXXX for an update and was told my account would be resolved that day, XX/XX/XXXX. I also asked for my billing statement for XXXX, which I was also told would be sent that day, but it was not recieved as of XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX for an update and have now been on hold just to speak with someone regarding my issue for 28 minutes. 
As of today, XX/XX/2021, nothing has changed on my account.
Product: Credit reporting or other personal consumer reports

Im honestly stunned by what I saw this morningincorrect accounts on my credit report! I have no idea why theyre there. I check my credit regularly, and everything was fine until now. I tried refreshing my browser thinking it was some kind of mistake, but no, the inaccurate information stayed put. Its really unsettling, and I urgently need you to go over the documents I provided to resolve this, so I dont have to keep stressing over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax Credit Reporting Agency. An account called XXXX XXXX XXXX XXXX with XXXX XXXX in XXXX, KY appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated 'this ' account and what proof they collected since no one had proof of the account. They sent me a generic print out of, " the way investigations are typical handled ''. They wrote a letter saying, " they confirmed the debt belongs to me '' but offered no proof. I requested this information from Equifax a total of five times with the same generic print out being sent to me. So I wrote a letter to XXXX, the collection agency and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew was n't mine, I filed a complaint on XX/XX/XXXX with the Consumer Financial Protection Bureau ( CFPB ) # XXXX against both the collection agency and Equifax. I also filed a complaint on the same day with the BBB ( Better Business Bureau ). I demanded legit proof or deletion. The collection agency XXXX responded they would re-investigate and obtain proof. I then called XXXX XXXX XXXX to discuss/assist with the investigation ( spoke with a manager " XXXX '' ) since I knew it was n't mine and I wanted this account removed. XXXX XXXX did respond at the end of the new investigation deadline on XX/XX/XXXX with a letter through the BBB saying they will request a removal with Equifax since they could n't obtain any proof of said debt with the original creditor. However, Equifax who also claimed to have opened a new investigation responded yesterday on XX/XX/XXXX in an email case # XXXX that they completed their investigation and confirmed it is mine and wo n't be removing it. If the collection agency was not able to obtain proof then how did Equifax " obtain proof ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XX/XX/2019 agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 (  a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by XXXX, ( see Copy ) and no responds by Equifax and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XXXX I received notification that possible fraudulent activity was reported on my SST Visa Credit Card. ALL transactions and statements were only done online with SST. I have had the account for approximately 16 years with no issues. At that time they shut down my online access " for protection ''. I was unable to reach anyone through their phone lines. I tried numerous times. I received no information on the fraudulent activity. I then was denied a loan from my credit union who I have never had an issue with because they showed me that on the XXXX report it showed TWO charge offs by SST and reported to a collection agency both for {$1800.00}. I immediately called SST again almost daily for weeks the phone again would reach an automatic voice that said they detected my number and redirected me to a message that said the voicemail I reached could not receive any messages then go beep-beep-beep and hang up. Over the last month I have tried NUMEROUS times with the same result and never being able to reach anyone. I also tried the collection agency. I spoke with numerous agents and a supervisor. The supervisor informed me ( after looking into the account ) that they never reported the collection to XXXX and I would need to speak to SST directly. He told me they had just received the paperwork and that it should never appear twice from anyone. This should NEVER be reported as a charge off. They closed the account because they shut it down because they told me there was fraudulent charges by someone ( not me- but it had been hacked ) and I have been unable to reach anyone to talk to resume payments as I ALWAYS make every month for 16 years. The supervisor at the collection agency did not even want to take a payment as he said I needed to talk with SST directly. I then tried to dispute with XXXX today to find out my XXXX account was hacked, so I will also need to file something with them. This account has become a nightmare. I need this rectified as someone else charged on the account and everything was shut down on me to protect me, but then I was unable to access anything and it was ( I am assuming ) accidentally turned in by SST as a charge off and TWICE! Please remove the charge off ( both ) so that my credit is back to a good standing with my credit union. Thank you.
Product: Credit reporting

Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Experian report and have not had any activity since XXXX of 2008 and Experian has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX Bank # XXXX ... .... and 2 ) XXXX XXXX ... .. Both of these accounts received their last payments in the middle of 2008. That is when I defaulted after I lost my job. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Experian verify these dates? They need to know that it is no right to report items past the statue of limitation, which I was told by XXXX & XXXX that that is 7 years. Please, can you ask Experian to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed. 


ALSO. May I add that there is an account on my credit report which is not mine. It is under XXXX XXXX XXXX. I have never held a loan or an account with this company and the terms and payment history make no sense and are not accurate. I had asked my student loan to be transferred to the XXXX XXXX XXXX department not the XXXX XXXX XXXX department. This is a very negative mistake on my credit report. Can you please remove this account as well. This will help make my credit report completely accurate. Thank you so very much. I have disputed that account as well and have not had any verifications or validations. I have also asked about details and have not received any.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding an account with Credit Acceptance. The account was closed in XX/XX/year> following a total loss event and payment made by the insurer. Despite this, XXXX XXXX is falsely reporting the account as open. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I request a thorough investigation of this matter in accordance with federal law. Specifically : XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) : must respond to this dispute within 30 days of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I demand adherence to proper investigation procedures, including providing the results of the investigation and documentation used to verify the accounts accuracy. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : the disputed information was previously removed but reinserted, but never notified me within five business days and provide certification of its accuracy. 

Please update my credit file to reflect the accurate status of the XXXX XXXX account as closed and provide confirmation of the changes. If you fail to comply, I reserve the right to take further legal action to protect my rights. 

Attached are supporting documents, including a copy of my report with the disputed entry highlighted. 

Thank you for addressing this matter promptly.
Product: Mortgage

I'm in the process of selling my house and the new buyer asked for a XXXX assumption transfer process to be initiated. While in the middle of the process, the current lender Cardinal Financial decided to transfer the loan to another lender and therefore initiating the process from the beginning and delaying the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

my account was closed and i never received my money i called and they told me to come in and give ID because i opened the account online XXXX  feature kept telling me to open an account to use the feature when i went in person the first time they never resolved the issue when i went the second time they said they returned the money but i never receive
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 
Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
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 consumers rights to Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15U.S.C 1681 section 604 A. Section 2 : it 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 items of information, other than records of convictions of crimes which 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.
Product: Credit reporting or other personal consumer reports

This is my XXXX-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  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}
Product: Consumer Loan

Williams , Rush & Associates LLC are calling me and identifying themselves as the XXXX XXXX division of credit. They are not who they say they are and I have filed a complaint with a lawyer who is seeking damages plus legal fees on my behalf. The company does not identify themselves as a debt collector until they intimidate me by saying I will be arrested or other infractions will happen to me if i dont pay this outstanding debt. The debt is a result of disenrolling from a school too late leavin me with a balance at the school level. They were served in XXXX with Federal Case # XXXX. They were told to cease calling and idenifying themselves falsely. They apparently have ignored the document because they are calling me more and more. I have all the messages recored on my voice mail server. They are an intimidating firm. My lawyer thinks they have no regard for the law because they are ignoring what they were served with.
Product: Debt collection

Discover in my credit report IQ Data International had unpaid rental charges for XXXX since XX/XX/XXXX. Information came from XXXX XXXX XXXX whom authorize a family member to extend lease I did n't authorize. Rental property was aware my family member stayed there and was paying rent for 15 months. IQ International never notified me I was in collections although rental property had my forward address. I discovered on credit report XX/XX/XXXX. I have notified rental property and collection company. Currently now implying identity fraud may occurred which is not true. Rental property knew my family member this is not identity fraud. Collection company never mailed or call me about unpaid rental extension amount. Prior to the unauthorized extension rent was paid in full.
Product: Debt collection

I am a 100 % service connected XXXX veteran. All of my medical bills are paid by the XXXX. I told Commonwealth Financial and they didn't care. I was hit by a car, hit and run on my bike. There were other bills and they all got paid from the XXXX.
Product: Prepaid card

I got a {$400.00} gift card and I chose to use it as an AMEX reward card but it doesnt work anywhere at all. I recently broke my phone so I was hoping I can use this card thats why I got new phone but it donesnt work so I dont have enough money for next month.