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

NOT A DUPLICATE COMPLAINT. This is in response to recent mail dated XX/XX/XXXX and received XX/XX/XXXX. Equifax has been ignoring my disputes, which is an FCRA violation. I know this because I have been disputing incorrect, conflicting information on accounts and violations on accounts ; YET, Equifax keeps sending me " results '' stating this item belongs to you. Since I've just disputed the fact that a collection account is ILLEGALLY REPORTING A PAST DUE and all you send me is the same generic 'we 've verified that this account belongs to you ' message, that makes no sense whatsoever! Furthermore, please tell me how this same account reports a " date of first delinquency '' in XX/XX/XXXX, TWO YEARS  BEFORE THE ACCOUNT REPORTS TO BE OPENED ON XX/XX/XXXX and not one human being deletes this account for such a blatant violation! The other two accounts I'm disputing have TWO DIFFERENT, CONFLICTING " ACCOUNT OPEN '' DATES ; yet, for these two accounts as well, I got the very same generic " ... this item belongs to you '' message when that isn't even what I was disputing! Equifax has proven that it has not read nor properly settled my disputes! I called a day ago and spoke with a rep who even stated to me that they send the creditors alerts to do an investigation. THAT is what Equifax considers to be their own investigation, which is no investigation at all! Look up the call record on my file! To help you all find it, I even submitted a dispute into false and extremely outdated addresses on that same call. I've attached the disputed accounts, as well as my ID & SS card in a document. PLEASE EXPEDITE THIS DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have recently gotten an apartment. My 3 score XXXX credit score is XXXX ; and I have my other documents with the individual ones. Equifax and XXXX are reporting it XX/XX/year> as XXXX ; which is absolutely absurd and XX/XX/year> at XXXX. I have called them 5 different times ; 2 hang ups ; and multiple disputes and emails with no resolve or care. this is highly illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a review of my XXXX XXXX XXXX in light of potential FERPA Violations. XXXX has violated FERPA, My personal and financial information, also the Privacy Act of 1974. personal and financial information has been compromised without my authorization. The Family Educational Rights and privacy Act ( FERPA ) protects the confidentiality of student records. this breach is a clear violation of FERPA and your responsibility to safeguard my information. given the severity of this breach and the resulting compromise of my personal and financial information I request that Transunion, XXXX, and XXXX immediately cancel and discharge my student loan debt in full. The Privacy act of 1974 has been violated This Code as amended .5 USC 552a establishes a code of fair information practices that governs a collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records my federal agencies. I didn't authorize the Department of education, Transunion, XXXX, nor XXXX to share my personal information after reviewing my records, I have identified discrepancies/ misuse of my educational information, including but not limited to - ( describe the issue : Incorrect loan disbursement, unauthorized release of educational records, or errors in enrollment. accordance with FERPA regulations and consumer protection laws I request : 1. A full review of my student loan records, incorrect loan amounts, or disbursements and the deletion of my student loan debt 2. written confirmation of the findings of this review. 3. if this matter is not resolved I am prepared to escalate my complaint with FERPA ( Family policy compliance office ).
Product: Vehicle loan or lease

I have been found fraud in Financial agreement with Credit acceptance. Stated By law under Truth in Lending Act, these violations must be compensated and due to fraud the contract automatically goes into default. I have sent out letters to Company CEO XXXX XXXX to resolve this matter asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted you all back in XXXX about some things I saw on my credit that is not mine and has asked for it to be removed. Some did come off except XXXX XXXX XXXX. Please help me with this as Im doing this by myself and need some help.
Product: Vehicle loan or lease

XXXX of XXXX XXXX General Manger XXXX XXXX  & XXXX XXXX service manger called me XXXX  ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX  key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX   stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX  AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX  ( XXXX ) XXXX XXXX
Product: Checking or savings account

Called AFCU several times as to why our XXXX XXXX could not retrieve our daily account balances for the past several weeks. These and other external accounts are normally updated daily on our XXXX account summary page. I finally got smarter ( used XXXX ) and this is what I found. I had suspected this since I had noticed a major software upgrade at America First. The first and second level employees had no idea. They do now as I told them what was happening I suspect they were mum on the issue as it could have caused a rush to CD/cash withdrawals. I had been manually checking our two highest account balances. Why keep customers in the dark? 


XXXX America First Credit Union XXXX America First Credit Union recently experienced fraudulent activity following a system upgrade. The credit union, also known as AmFirst, promptly initiated an investigation in collaboration with law enforcement1. During the weekend system upgrade, some members reported unauthorized withdrawals and charges on their accounts. However, rest assured that neither account information nor personal records were compromised during this process1. 

Here are the key points : System Upgrade : AmFirst implemented a system upgrade after nearly two years of planning. The goal was to enhance products and services for both in-person and online experiences1. 
Fraudulent Activity : Some members encountered issues during the upgrade, such as inability to access online banking and missing deposits. Additionally, unauthorized charges appeared on certain accounts1. 
Ongoing Investigation : AmFirst is actively investigating the reported fraudulent withdrawals and has shared findings with the appropriate authorities. They are committed to holding those responsible accountable1. 
Protecting Yourself : To safeguard your information and money, consider changing your passwords regularly and avoiding personal details in your passwords1. 
Remember, vigilance is essential in todays digital landscape. Stay informed and take necessary precautions to protect your financial well-being.
Product: Credit reporting or other personal consumer reports

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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}-
Product: Debt collection

PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX THIS WAS NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) this was removed from all 3 of my credit Bureau 's back in XXXX it took me several yrs to get this removed because this was never mine in the 1st place. This was just put back on all 3 of my credit reports XX/XX/XXXX and it was even just updated to being new as of XXXX  XXXX, XXXX I contacted all 3 Credit Bureau 's I asked them to remove this, because it was never mine, I tried to tell them that this is not mine and that it was removed/ deleted off my credit report back in XXXX and it just put back on in XX/XX/XXXX ( UPDATED TO NEW AS OF XX/XX/XXXX ) I fought for the last 7 yrs or more to get this off my credit report and they finally took it off because it was not mine then PHOENIX FINANCIAL SERVICE bought it in XX/XX/XXXX put it back on my credit report then just updated it as new on XX/XX/XXXX just 3 days ago as new ( IT IS NOT MINE ) i FAUGHT FOR 7 YRS TO GET THIS REMOVED XXXX  XXXX XXXX  and XXXX  will not listen to me I TOLD THEM GO BACK AND LOOK THAT IT WAS REMOVED in XXXX HONESTLY I have been trying to get them removed it again for the 2nd time, I was told once it is removed or deleted, they can not be put back on But it was put back on once again and just update to brand new on XXXX XXXX XXXX I worked so so hard over the past several yrs to get this removed for PHOENIX FINANCIAL SERVICE to buy it update it and put it back on PLEASE CAN YOU PLEASE HELP ME TO GET THESE REMOVED it was REMOVED BACK IN XXXX IT WAS 1ST PUT ON MY CREDIT REPORT BACK XXXX When I said back then it was not mine so all 3 credit bureaus removed it in XXXX and PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX Bought it said it was new updated it as a new account and it is not LOOK AT MY REPORT IT WILL SHOW THAT IT WAS REMOVED BACK IN XXXX AND IT WILL ALSO SHOW I PAY ALL MY BILLS ON TIME AND THAT I OWE NO MEDICAL BILLS THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke with a customer service representative at Transunion stating that I did not recognize the following inquiries that were showing up on my credit report. 

1.XXXX  XXXX  11.XXXX XXXX 2. XXXX XXXX 12. XXXX XXXX XXXX 3. XXXX XXXX 13. XXXX XXXX 4. XXXX 14. XXXX XXXX 5.XXXX XXXX 15. XXXX 6. XXXX XXXX 16.  XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX I asked if there could be an investigation into this matter an was told that inquiries are to remain on your report for the time that is dated. I was so disappointed in knowing that Transunion did not want to take the time to help figure this out. Therefore, I am reaching out to you for help in this matter. I have spoken with XXXX  about this same matter an with no issue they removed those inquiries. I even mention this to Transunion and they did nothing. I appreciate your time and effort into looking into this for me. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was told I could remove mortgage insurance from Caliber Home Loans on my property at XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX  XXXX after having met the following criteria : - Your loan to value ratio must not exceed 80 %. 
- Your loan must have no significant recent delinquency - Occupancy requirements have been met After meeting the above requirements, I applied to remove PMI on XX/XX/XXXX and paid the requested {$150.00} fee. The mortgage company cashed my check on XX/XX/XXXX, then sent me a letter on XX/XX/XXXX stating they were unable to approve my request to remove PMI due to not having paid the {$150.00} fee. I have since been on the phone several times without success in reaching anyone who is able to assist me. Instead I am transferred from one person to the next for over 2 hours on 3 different days and 3 different attempts. 

My loan to value ratio is well under 80 %. My current remaining balance is {$190000.00}. The most recent similar homes have sold as follows : - XX/XX/XXXX {$450000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$360000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$280000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$290000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX However, Caliber mortgage company has also listed on my account online : " Currently your LTV is 80.76 % ''. I'm not sure how they came up with this number. There is no data to support it. And they never informed me of this belief in a letter following my request for PMI removal. In addition, the highest LTV I calculate based upon the REAL data is 69.62 %. Given these properties I listed that have sold in the same building as my property, I am not sure how anyone can argue this number. 

It is also worth noting that I had my loan in forbearance due to the COVID 19 pandemic and was not able to make payments for several months. I have since resumed payments. Mortgage payments missed or underpaid as part of a deferral or forbearance arrangement are not technically delinquencies according to the Coronavirus Relief, and Economic Security Act ( CARES Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
Account name : XXXXXXXX XXXX Account number : XXXX You're reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( XXXX ), thereby violating your obligations under FCRA XXXX ( a ) and XXXX ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA XXXX, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXXXXXX XXXX Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ( XXXX XXXX XXXXXXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA XXXX ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( XXXX ) : XXXX XXXX
Product: Student loan

In XXXX XXXX XXXX I called to set up a consolidation on two loans from XXXX. They said they would take care of it while we were on the phone I also asked if there was anything on my end to be done they said no.. In XX/XX/XXXX I went back to school at XXXX XXXX XXXX  everything was fine until XX/XX/XXXX when my loans went into default. That was not found out until XXXX XXXX XXXX I called student aid then they sent me to Great lakes then the system sent me to Nelnet because that is Great Lakes Inc new company. So because of the wonderful default that Nelnet so graciously did for me I had to withdraw from school trying to get this taken care of. Because of the default, XXXX XXXX XXXX now wants {$2700.00} that should have been covered by my student loans. In XX/XX/XXXX I was approved for XXXX for health reasons. They sent information about the XXXX XXXX XXXX paperwork to Nelnet. I did sign up for XXXX  but cancelled it because I misunderstood the process. Now I have {$44000.00} in student loans instead of the {$22000.00}. Also I have {$6400.00} for this past school year at XXXX XXXX XXXX. All the loans are through Nelnet my loan servicer. When I call them no one knows anything and all this information is on the credit reports. I need something done about this please. I have dealt with this since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please help.
Product: Credit card

On XXXX XXXX, 2024, right after inadvertently making payment for my whole outstanding balance of my credit card, instead of my statement balance as intended, I called Wells Fargo and requested that the overpayment on my credit cart balance be returned. The Wells Fargo representative advised it would take XXXX business days. Thus, I took no other action ( e.g., calling my bank with my checking 's account where the money was going to be pull from to stop such payment, as XXXX business days worked with my financial commitments ). Then, on XX/XX/year>2024, I called Wells Fargo again, and this time they said it would take XXXX business days since the payment was made from a non-Wells Fargo account, which I was not advised of on XXXX XXXX, 2024. As I was previously provided different information by Wells Fargo, on which I had relied on, I asked if there was a solution. They said that nothing could be done. The more than double in timing does not work with my financial commitments, and I had relied on their statement from XXXX XXXX, 2024, otherwise I would have called XXXX ( my checking account bank ) to stop the payment ( given the difference in services between Wells Fargo and XXXX, the latter could have likely resolved my issue ). No wonder Wells Fargo is always on the news for taking advantage of consumers. Regulators, such practices should not be allowed!
Product: Debt collection

Atlantic Recovery has contacted me on my cell phone, which I did not give approval or consent for them to reach me on my cell phone. I've told them the individual they are calling for is not tied my phone and to stop calling me and they continue to call from various call numbers back to back. 

Most recently ARS sent me a text message again asking me to contact them to resolve a debt that I don't own and is not even in name. 

Received Call on XX/XX/XXXX @ XXXX XXXX  from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Text on XX/XX/XXXX @ XXXX XXXX  asking me to call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Checking or savings account

I was at work on XX/XX/XXXX in OHIO ( I was in a Chase bank in the morning that day too and would have been on their XXXX for business deposit ) when I got a Chase notification that there was a {$940.00} atm withdrawal from my account using my debit card on XXXX XXXX  in California. This was literally impossible and what baffles me is that the thief used the XXXX XXXX digital card with my card numbers at a Chase atm and the bank denied my claim. They have all camera access and this is absolutely unheard of. I am out {$940.00} plus addition fees from overdraft, etc. from this situation and id like assistance getting the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Hello CFPB, My complaint is about XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I had a appointment for a medical procedure. XXXX XXXX. I did go to the office but the procedure was not preformed. 
XX/XX/XXXX I received a bill for {$440.00}. My company alway pays all medical bills but my insurance let me know that this medical doctor is not allowed. I called the XXXX XXXX Billing number. Let the rep know that I will pay for the visit but that the XXXX was not done. She could check my files to see that no XXXX results. She said she would research and give me a call back. She never called me back. 
XX/XX/XXXX I spoke with the doctors nurse. She would look into it but never got back to me XX/XX/XXXX Called billing again and left a message. No return call XX/XX/XXXX I emailed XXXX about the incorrect bill XX/XX/XXXX drove to the medical offer and spoke to the front desk. They told me that only the billing department could speak with me XX/XX/XXXX emailed the billing Dept about the incorrect bill. No response. 
XX/XX/XXXX XXXX called me back I went through the details and she let me know I should go to the medical office and talk to the patient manager. She would not send to collections because I was working to resolve the issue. 
XX/XX/XXXX I received a letter from Clear Management Solutions in a attempt to collect the {$240.00} for the XXXX that was not preformed. I called and the rep recommended that I write them a letter to dispute the charges.