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

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Product: Checking or savings account

XXXX. Early this year. I opened a checking account in person at TD Bank XXXX XXXX XXXX XXXX  with a flyer of XXXX XXXX The person who helped me open the account told me that I would get the bonus and she wrote an email to the department to confirm. 
XXXX. I have completed the direct deposit requirement within the time frame and I confirmed with the banking agent several times on the phone to make sure I can have the bonus. 
XXXX. The agents constantly told me to wait 180 days. 
XXXX. By the end of 180 days, I didn't get the bonus. So I called the agent again. The agent helped me send a secure message to the department. 
XXXX. Received a message saying that I am not eligible for the XXXX $ but they can give me XXXX {$6.00}. Asked me to wait XXXX weeks XXXX. After XXXX weeks, no bonus...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Ive called numerous times to this company for them to validate this debt, and they still dont. This account isnt mine. Im asking them to prove this account belongs to me or remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all XXXX Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

CFPB Student loan - complaint reference - Re : Your submission, [ Case number : XXXX ] re submitting to dispute I am very dissatisfied with the response received and no consideration given to my complaints and Financial situation. 

From the response, please can I add that I did not end up doing an internship due to serious family illness since XX/XX/XXXX to XX/XX/XXXX and subject to that, I was very much out of scope to continueand securing further training and subsequent XXXX for many years thereafter. Basically, my mother was XXXX and sadly passed away XX/XX/XXXX. Thereafter my father was ill and had a XXXX around XXXX. I was therefore unable to proceed to further training, membership exams etc, for many years having to work and care for my father, until last year XX/XX/XXXX, he sadly passed away. ( Evidence can be provided upon request ) I managed to find a job just so I could start paying the student loan fees. 

I also contactXXXX University around XX/XX/XXXX to request further information surrounding recognition with the XXXX XXXX XXXX in the XXXX. However, they have totally dismissed my case and have not responded to important questions, even though I called numerous times and also wrote to the Registrar, and Clinical Director, but no responseto questionsthat the XXXX XXXX have asked. 
I just felt very degraded the way they treated me and there was no way of following up on this as they have just completely ignored my requests, and being in the XXXX makes it harder to communicate and get answers. Even to date I have had no response. I really did not know what to do and became very frustrated, on top of being financially stressed. 


I was very irate and disappointed withXXXX University administration and now they have jeopardised my career as a practising physician. 
I have never completed any form of licensing exams due to the fact that XXXX University have been very uncooperative and unsupportive. 
I feel as though they has rendered me of my future career and useless degree, where I am not able to prove it 's recognition to the XXXX XXXX XXXX XXXX has not beencooperative. Having given these loans, through XXXX, I feel that they have not supported me in any way now and that some form of redress and compensation should be made for injury to feeling and financial distress caused over many years. 

Therefore, I am asking for this case to be reviewed by a senior Ombudsman for causing me inconvenience, Financial distress and injury to feeling. That XXXX University have not been reasonably cooperative to my requests and all in all to be compensated for blocking my career. 

I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute and have remove a XXXX XXXX account with a balance of XXXX and opened on XX/XX/2011 listed on my EquifAx Credit Report. This is account is inaccurate and incomplete its missing the Many months of reporting I have disputed This Item several times however it continues to be verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint today to inform the Credit Reporting Agencies that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX  XXXX Balance XXXX {$3000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States. Have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

I foreclosed on a small strip center in XXXX California in XX/XX/XXXX. Foreclosure was due to default on my second deed of trust. The first XXXX is still in place. Ive been making payments to the servicing agent, M & T Bank for the last eight years. The loan has a tax impound account of approximately {$11000.00}. The bank will not communicate with me despite sending proof of ownership on multiple occasions over the past seven years. They will only talk with the original mortgagor who has not been available. The property is currently in escrow to be sold. I now have no way to retrieve my {$11000.00} currently in the impound account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my  credit score,  and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

Ford Motor Credit is reporting account which is been closed XXXX years ago, until now they reporting as a active account and also late payment at XXXX, want to mention that I have original document from Ford Motor Credit and there is clearly showing when the account is been opened and when is been closed. Date Account Closed : XX/XX/XXXX Account Status : Paid/Closed Account/XXXX  Balance. Requesting Immediate deletion of the late payment or account completely. Want to mention that account is dropped my score over XXXX points and this is can not be stay in my report.
Product: Credit reporting or other personal consumer reports

I mailed a letter to Experian on XX/XX/year> tracking number XXXX and it has been more then 35 days since they credit bureaus haven't responded. This is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX and except as provided in XXXX XXXX XXXX XXXX, if the completeness or accuracy of any information contained in a consumer file is disputed and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by  Chase  on   XXXX    . I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b  ( c ) and a serous breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that do not belong to me on my reports and other items detailed in the attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send Equifax and   XXXX   alerts to remove the remarks because no investigation was done by the companies in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT authorize any loan service or SIGN for one, I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

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

On XX/XX/year>, I mailed XXXX a certified letter, receipt number XXXX XXXX XXXX XXXX XXXX XXXX, and they completely ignored me. On XX/XX/year> I mailed another certified letter requesting the documentations, they ignored me again.
Product: Debt collection

Calling my boyfriend and Trying to verify if I am a tenant and trying to verify if I am living at specify address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 premium credit bureau received my letter certified mail ( XXXX XXXX ) the manager.there office received my letter in response to an inquiry that has been placed on my consumer credit profile. I've asked premium credit bureau to provide me with proof that I gave authorization or consent to this inquiry on XX/XX/2020 and yet they have not responded and they are in default.
Product: Debt collection

I have repeatedly asked, during communications about this debt, for pertinent information related to this debt. I have asked for original proof of the debt with my original signature, which they have not been able to provide. I will not accept a photocopy ( which they can't even provide and have not even provided ) ; I need actual proof. I have also asked for proof of sale of this debt from the presumed original debtor to the collection agency, the reason they purchased it, and the amount for which they supposedly purchased it. I have also asked for proof of original dates, and they have refused to comply and give me any of the pertinent information pertaining to this debt. Yet they continue to violate law 15 USC 1692c, with rude, repeated, and threatening calls and communications pertaining to a debt they can't even show me actual proof of.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint today to follow up the previous CFPB Complaint I submitted last XX/XX/2022 because I bleive that the Credit Bureaus haven't still corrected my Credit File. The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX XXXX : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX  XXXX Balance : {$3000.00}
Product: Student loan

I am not sure where to start on this matter because I am highly upset with ACS education to the point where I have filed formal complaints with several institutions ( XXXX, U.S. Department of Education, etc .... ). 

I have been diligently working since XX/XX/XXXX, trying to work with ACS in regards to the XXXX students loans. I recently consolidated my loans with the Department of Education/Nelnet in XXXX XXXX. I have had a great experience with them in the past, so I wanted to include my XXXX ACS loans in the consolidation. Long story short, XXXX has sent over a number of XXXX to ACS only to receive several different responses : There is a XXXX balance ; we do not have the loans ; We no longer have the loans because they are in the process of being transferred to NSLP ; we have the loans, but they are unable to be included in the consolidation because they are " Temporarily Uninsured ''. That was information that was sent back to XXXX in regards to the XXXX. I was told by ACS education that the XXXX were NEVER received, so XXXX was sent manually. I have been given so many different stories. 

I decided to open up a case with the Office of Ombudsman in which they have been trying to get in contact with you in order to get this squared away. In addition, XXXX sent another XXXX out to ACS. Since you were out of the office last week, I decided to call XXXX XXXX in regards to a deferment to my loans since I was in school. He flat out told me that there was nothing I could do because of the status of the loans. Then he rudely suggested that I needed to wait to on you to get back in the office and flat out hung up in my face. Luckily, I have started to record all of my conversation with you all so that I can submit this with my case. 

The issue I am having is ACS is steadily reporting to the credit bureaus when it has been confirmed by the Office of Ombudsman that if they loans are " Temporarily Uninsured ''. The National Student Loan Database shows that the loans were in that status effective XXXX XXXX, XXXX which means that the late payments should come off of my credit reports across XXXX, XXXX and XXXX. On the other hand, the Grantor advised that the loans were in good standing based off of what ACS has been providing National Student Loan Program ( NSLP ). If that is the case that my loans are in good standing, there should be no problem will releasing my loans to XXXX. 

This is truly my last attempt in trying to get the late payments removed from my credit reports from all XXXX credit bureaus and to have those loans released to Department of Education/XXXX.
Product: Money transfer, virtual currency, or money service

Hello. 

Trying to link my PNC card to XXXX investing account. Pnc won't allow me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

they put a block on my credit without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is misreporting my credit report and because I have been in XXXX for over 3 years with the military I am unable to get a copy of the report to see the details that they are reporting. They are stating that I have missed or been late on payments however all my accounts have been set for auto payment well in advance of any due date for over 3 years now. The other credit reporting agencies are correctly reporting that I have never been late or missed a payment. I need EXPERIAN to provide me with the detailed report but I can't seem to get it from them because of where I am.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent a {$2500.00} international wire to pay a company in the XXXX, converted into GBP. After hearing from the recipient after multiple inquiries that they never received the funds, I went to a Truist branch in which the bank teller confirmed the {$2500.00} international wire transfer was sent out as XXXX GBP. When I asked them to do a wire trace, I received a reference # but then a banker told me that they could not help me and that I had to call a certain Truist customer support #. I did this multiple times, staying on hold for each time for over 30 minutes, and no one picked up. Terrible customer service! I need this wire trace done and to get back this {$2500.00}, which supposedly this company in the XXXX never received.
Product: Credit card

During the second week of XXXX XXXX I was contacted by an employee of Wells Fargo bank of North Carolina ( XXXX XXXX ), she informed me that she was calling to get payment on a bank issued business credit card. The transaction supposedly took place in late XXXX. At that time I changed the corporate mission of my business and informed all contacts necessary of my new mailing address. Since that time I have not received any communications from Wells Fargo until last week when they demanded payment. At that time I made XXXX XXXX aware that if I could be made sure of the original amount of the transaction that I would be willing to pay that amount but no more. Since I still do business with this bank I feel strongly that they should have been able to contact me much sooner and avoided all the additional charges. In addition all of my accounts with this bank appear on my on line page except for this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File Number : XXXX I demand the following account be verified or removed immediately : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX ,    2017  CFPB :  JPMChase Fore closure Prosecutors for my ARM Loan  XXXX  threa tened to damage my Credit Score, while refusing to divulge my Credit Score to me, in Violation of the  Fair Credit Reporting Act ( FCRA ).   I want JPMChase to provide me, at no additional charge to me,  my Credit Score from every USA organization that provides Credit Scores o n me.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX