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

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

I was approved for Public Service Loan Forgiveness and my loans were transferred to " FedLoan ''. I am aware that this company has a history of problematic customer service, inaccuracies, and untimely handling of basic essential functions. Of course, there is no alternative servicer under PSLF so I am stuck with them. They have already delayed my first payment back a month ( originally scheduled for XXXX, but moved back to XXXX XXXX. I signed up for Direct Debit payments. I have multiple emails from FedLoan confirming my enrollment and scheduled XXXX payment. Despite this, they failed to take my XXXX payment and now have my account listed as delinquent. Unless they correct this error FedLoan will be directly responsible for stealing XXXX months of - what should have been- qualified payments under PSLF from me. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I went to a large event a few years ago. My wallet went missing with all my identification including my social security card, drivers license, and a credit card. I thought I may have misplaced it. When I got I realized it was gone but thought nothing of it thinking I may have over looked it and that it would pop up. I now realize someone stole it. 

There are 2 addresses I never lived on my on my XXXX report XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 2 phone numbers that are not mine ( XXXX ) XXXX and ( XXXX ) XXXX An inquiry on my XXXX and XXXX report from XXXX XXXX XXXX that I did not authorize XXXX XXXX XXXX that I had no balance on was maxed out on {$200.00} added which leaves me {$700.00} balance that reflects on all 3 on my credit reports. 

It states on my XXXX report it states Im self employed
Product: Debt collection

This is regarding unlawful debt collection practices of XXXX. XXXX received a court order to have my bank account seized to pay a debt, taking every penny to my name XXXX it was basically enough money to cover rent and expenses for a month ). This was done with no notification. After seizure, I contacted them to know why did they do this after I had told them as soon as I get stable employment I would work out a payment plan. They said they unsuccessfully tried to serve me at an address that I did not recognize. I have been at the address I currently live for more than 10 years and had provided it to them twice, in addition it is my credit card billing address. They said because they could not reach me they posted notice in some newspaper and this is all a judge needed to know in order to find judgment against me. This is illegal according to California Civil Code section 1812.700 - 702.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( XXXX, XXXX  and Experian ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ).

Please provide the following items : identify it

em ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report
to prevent further damage.
Product: Student loan

I have had this student loan since XX/XX/XXXX and have been paying without missing a payment since I left school. I filed bankruptcy in XX/XX/XXXX, and this account has been listed as account included in bankruptcy, bankruptcy discharged. I have never failed to pay on this loan, and have filed a dispute with the credit bureaus at least 6 times asking that the account be reflected as open and paying on time. Time and time again I have been told that the information is correct on my credit report and to contact the company, who continue to state that student loans are n't dischargable, that my credit report is right, and have continued billing me. I have continued to pay this entire time because of fear of how my credit could be even more negatively impacted, however I recently submitted a copy of my recent credit report showing that this account is being listed as a negative account with no payment history to the servicer, and was sent an email message that they needed a copy of the credit report, which I had already sent them and was in their possession. This, other than the bankruptcy is the only blemish I have on my credit history, and I believe it has negatively impacted my ability to obtain credit, qualify for lower rates, and hurt prospective jobs, which is unacceptable as I have been meeting my supposed financial obligation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

EXPERIAN credit bureau has no right to lower my score making it fair to poor when my usage on a card increased by 2 %! Not late or missed or lost. Really Unfair practice!. I want my score to reflect the progress I continue to make since discovering again ID theft in XX/XX/year> ; dropping my score close to XXXX points! This needs to be re-evaluated please. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries may only be made with my explicit consent or when otherwise permitted by law. I have reviewed my credit report and found the following inquiries that I did not authorize. picture have been unloaded Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a consumer reporting agency may only provide a credit report for permissible purposes, such as a legitimate credit transaction that the consumer initiated. These inquiries were not authorized by me, and I am requesting their immediate removal as they violate this provision.

1. Section 607 ( b ) : Maximum Possible Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. This applies to all types of data, including inquiries.

2. Section 611 : Dispute Process Consumers have the right to dispute any inaccurate or incomplete information in their credit report, including unauthorized or incorrect credit inquiries. Credit bureaus must investigate disputes within 30 days and delete or correct any unverifiable or inaccurate information.

3. Section 604 : Permissible Purpose Inquiries must have a legitimate purpose and be authorized by the cons
umer or permissible under the law ( e.g., for a credit application, insurance underwriting, or employment ). If inquiries appear on your credit report without authorization, they violate this section.

4. Section 609 : Disclosure to Consumers Credit bureaus must provide consumers with a list of all entities that accessed their credit file, including inquiries. Consumers can request details on why their credit report was accessed and by whom.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several Attempts Im trying to remove these unauthorized inquiries of my credit report Equifax want every time I called it was poor service and they gave me the runaround never got it correct answer And which day inquiries are not accurate the dates are. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called American Express to pay the remainder on the card and cancel it. I explained that part of the late fees happened because my card was lost or shredded and could not access my account when I called them prior. Because when I called them earlier in XXXX, their representative told me to go to the app and would not help me that time, I was not helped this time. But this time they helped me pay my card and told me the card and account were closed. That day on XX/XX/XXXX after our call, I got an email saying I had been refunded a certain amount. On XX/XX/XXXX an email said the account was cleared. Then on XX/XX/XXXX I received an email that I had been refunded more, but I thought it was a mistake. So almost no contact nothing owed for 5 months, THEN in XX/XX/XXXX or so I receive an email that i have a balance due to them again! When I had shredded the card. They add late fees and never truly close my account. And at this point, Ive called and talked with 4 or 5 Amex representatives and canceled my account. Last time they acknowledged it was harassment and said I would not be contacted again. YET I received another payment due letter at my parents residence. It is harassment.
Product: Credit card or prepaid card

I am requesting late fees in the amount of {$52.00} to be refunded back to me. I tried getting the fee back through XXXX XXXX ( XXXX XXXX XXXX Reward Credit Card ) and they will not refund the fees. I placed a complaint with the XXXX  and a rep from XXXX XXXX called, XXXX XXXX # XXXX just to tell me that she will not refund any money back to me. I would like my money back.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent a certified letter to XXXX, XXXX, and TransUnion credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. XXXX, XXXX and Transunion failed to provide the requested information.
Product: Checking or savings account

Despite 8 person-hours and counting over the last 10 days Huntington Bank XXXX XXXX Illinois is refusing to issue me a check to close my money market account so I can transfer my funds to XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX The branch manager XXXX is disrespectful, rude, uncooperative, and is refusing to issue me a check for my money despite having provided 10 days ago a signed and notarized letter directing the check issue and account closure. My personal belief is XXXX is hiding something and the bank may be in financial trouble or is performing some type of financial manipulation. I can not think of any other reason why the bank would not immediately and cheerfully complete my simple requested transaction request. See the attached files for the details of my contacts with the bank to date.
Product: Mortgage

OCWEN LOAN IS ATTEMPTING TO FORECLOSURE ON a property that i am the administrator of the Estate.They are using a assignment that is robo signed and fraudulent. I mailed a QWR and they have not responded. the assignment was created after the cut off date of the trust in the pooling and services agreement. listed with the United States Securities
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$24000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$14000.00} As a customer I have privileges that are given to me to safeguard me from mis-information being accounted on the credit report. At this time I would wish to get a previous request for assessment before I check with my lawyer for tips on the way to handle inaccurate and unverifiable things that are ongoing to be tested as accurate. Please don't hesitate to have me with a copy with the contract authorized or voice conversation where I granted billing me with this particular account.
Product: Credit reporting or other personal consumer reports

I am concerned that PAC AUTO continues to Display a Vehicle repossession on my credit report that should have fallen off after 7 years. It has been over 7 years since i made the last on time payment : The last on time payment was made on XXXX XXXX XXXX XXXX XXXX is still reporting it as a charge off which is negatively affecting my credit, it is likely an error that can be quickly remedied by removing it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER request 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 XXXX XXXX, XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX Balance : {$20.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has suffered severe damage due to Equifax negligence, with respect to the FCRA and fdcpa. Equifax Report XXXX date generated XX/XX/2023 Equifax is furnishing two inaccurate and fraudulent tradelines on my credit file. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries. 

With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

As Equifax conducts their investigation, I expect Equifax to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I cant remember the date my name is XXXX XXXX I had a bank account with Bank of America I remember my ex girlfriend using my XXXX  card for unauthorized transactions I was never able to dispute it because I was incarcerated at the time and its stopping me from getting a bank account with all major banks I would like to resolve this so I can have a bank account
Product: Vehicle loan or lease

To Whom It May Corncern, I am writing because i moved from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I never recieved any pay out from the {$3.00} XXXX widespread pay out for consumers who had a car loan from accounts during XXXX. I am writing to see if i missed receiving a payment i was told to send a email here, if you moved which i did. 

XXXX Thank you..
Product: Money transfer, virtual currency, or money service

We were lead to believe that our consulting company could use WePay to collect payments. We then collected payment for our costumer back in XXXX. It is now XXXX and WePay is refusing to release the {$9200.00} This money was paid to us for our consulting services. We have operational costs, employees and vendors who we have had to have difficult conversations as a result from WePay holding our money XXXX. 

We do not operate in high risk industry nor have we ever had a charge back in all our years of business so it looks like they are just trying to hold our money indefinitely for no reason. 

When you sign up for their service it does not say anywhere that WePay can decide to steal your money or with hold it indefinitely. As a small business this has crushed our bottom line and we are at a point where we will no longer be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ). 

The above accounts do not belong to me. I request that you remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # XXXX 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. 

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
Product: Credit card

I was making a {$1900.00} cash payment for my Citibank credit card at a Citibank ATM. During the transaction the ATM reported that the transaction could not be processed at this time and was canceled. The ATM returned {$230.00} cash but the rest was left stuck in the ATM. I did get a print out from the ATM that the transaction was canceled and to contact the customer service number. A case/investigation was opened but then closed since I did not have a receipt of the transaction. I have opened multiple cases with Citibank and they all end the same way - being closed since I do n't have a receipt of the transaction. The problem is the transaction was canceled so there is not receipt. It was cash so there is no canceled check. this has been going on since the end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late-May I contacted  XXXX ,  XXXX  and TransUnion with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on  XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by   XXXX   as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.