23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with FCRA 15 U.S.C. 1681i : This is a Request for Description of Procedures used to determine Accuracy and Completeness of information because the results did not address the true basis of my dispute which was my privacy rights are being violated. 

15 U.S.C. Section 602 States I have a right to privacy.

15 U.S.C. Section 604 States a credit reporting agency can nit furnish an account without my written instructions.

Therefore, I do not understand the wording used in the results I received from Equifax.

Equifax did not address the heart of my dispute because the results in response to my dispute regarding my privacy rights being violated do not make sense to me. I do not understand why the 3 accounts listed below were not removed like the other accounts that were deleted. I am confused! 

Therefore in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ) I need the names of the individuals you spoke with along with their name ( s ) addresses and telephone numbers. I need to know what procedures were used to come to the conclusion that these items were to be verified instead of removed from my credit report like the others were removed after your supposed investigation. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX I have included below the words used in the results I received in reference to the 3 accounts that I disputed which remain on my Equifax consumer report illegally. 

Equifax verified that this item belongs to you. The following fields have been verified that this item belongs to you The following fields have been modified. 

I understand you have 15 days in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to provide the Description referred to in FCRA 611 ( 6 ) ( B ) ( iii ) I am uploading my identification. 
I have already sent my identification but received another letter from Equifax requesting my identification eventhough I have sent it at least 3 times.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, they said that they will hold my account for 180 days which is a very long time and I think it is inhumane act, I thought that I can't do anything about it because I'm a new user, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit card or prepaid card

In XX/XX/2019, my wife and I purchased a washer and dryer from Bestbuy using a CitiBank issued Bestbuy account. At the time of the purchase, we called the Customer service center because my wife could not remember her credentials to access the account online. They told her what the due date for the payments would be and helped her reset her account credentials. She then went to our banking site and setup a reoccuring payment from our checking account on the date she had been provided ( XXXX of each month ). 

Unbeknown to us, when she access her account online, it defaults the option to receiving electronic statements via email ( unless you uncheck a box somewhere ).

Out of sight, out of mind, a year passes and we never think about the account. It occurred to me when reviewing our bill pay, that we may need to check what the outstanding balance was on that CitiBank/Bestbuy account, as we had opted for an 18 month no interest payment plan. 

When my wife logged in, she was shocked to discover that each month since last XXXX, CitiBank had been charging a {$40.00} late charge for the payment being received on the XXXX, vs their now stated XXXX due date. So for 11 months, they had taken {$430.00} ( +/- ) in fees for a payment that they now claim was arriving 3 days late every month. 

At no time has a letter been sent, a phone call made, nothing aside from emails that ended up in a spam folder informing us ( since we had no idea we had been enrolled in electronic statements ), that a statement was available online.

When I called them, they curtly informed me that there is ZERO grace period, a single minute past their due date results in a late payment. They did offer very graciously to remove 2 of the 11 late charges that had been applied, which they did.

This is TOTALLY unacceptable and likely criminal. You force a change to electronic statements, then those who don't aren't aware don't even know they need to dig those notifications out in order to go download monthly statements ( because you aren't made aware that you have signed up ). This is deceptive practice. I would be VERY interested to see how much they are making by preying on the unwary and unassuming consumer.
Product: Student loan

Student loan repayments began XX/XX/XXXX, and forbearance status was to disappear, giving me the option to do autopay repayments and receive a discounted interest rate and start payment back my loans. Called a week prior to this date to set this up. XXXX told me it would take 24-48 hours to process the status change, and I said, no problem. A week later, my log in at Aidvantage showed the same forbearance status and the standard 6 % interest rate, still. Called a second time and was told there was an Income Driven/SAVE plan in place/review and the initial request to make the loans current instead of forbearance could not process. So, the agent rectified the issue by processing my initial request a second time and told me it would take another 24 to 48 hours to process. Three weeks passed and still, Aidvantage online showed the same status/interest, and I was not allowed to sign up for XXXX and get the discounted rate. Payment status still showed no due payment until the forbearance was done in a few months. Again, I called, had the same conversation with another agent and was reassured that after they resubmitted my initial request a 3rd time, the correct status/rate would be reflected on my online account within 2 days. As of XX/XX/XXXX, more than 2 months after my initial request, my account still shows my loans are in forbearance, and XXXX is unavailable nor am I eligible for the discounted rate. Called a fourth time and, again, the agent confirmed my loan status as in forbearance with an Income Driven plan in place with no payments due until XX/XX/XXXX. XXXX went through the process a fourth time and assured me that my loans would get out of forbearance, show current payments due, be automatically enrolled in the XXXX, and I would receive the discounted interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, WESTLAKE SERVICE INC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

One Main Financial is violating multiple consumer rights by reporting inaccurate information on my credit report by furnishing information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions
Product: Credit card or prepaid card

I made a payment on XX/XX/23, the payment is still on hold. When I called TD card services they said that they will have it on hold until they can verify the funds. I made the payment through their website. The payment came out of my account on XX/XX/23. My bank states they got the full amount of the payment that day. I spoke with a supervisor ( XXXX ) and a Manager XXXX. They would not give me any other identifiable information, no employee number. XXXX said I would only have her name and the date and time of my call. They both told me that if I had used a TD bank account for the payment they would release the hold immediately, but since I dont they would not. This is also the same account that I have on file for all my payments I make to them. I had enough to make a larger payment so I did. Now I dont have my money nor do I have use of my credit card since they placed a hold on the account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High XXXX : {$4000.00} ( XXXX ), {$0.00} ( XXXX ), {$2400.00} ( Equifax ) Last XXXX : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date XXXX : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance Owed : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account XXXX : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, XXXX ), Account disputed ( Equifax ) Creditor XXXX : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( Equifax ) Account XXXX : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( Equifax ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$4000.00} ), XXXX ( {$0.00} ), and Equifax ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a full copy of my credit report. The {$4.00} product had everything split apart not on one form. I called 2 days to cancel and got resistance from the rep and the supervisor XXXX XXXX I said I can receive a free copy each year I do not need to be charged. I was left on a long hold then transfer to someone who said he would send a free report. He emailed me a form I filled it out and he did not explain to attach the docs license etc first. He said he cant help me. I asked for supervisor he said he is one and I have to do it by mail. I hung up furious and filed this. I did not get a full report with score. They fight to refund your {$4.00}. Its the principle if they do this to hundreds of customers this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX  XXXX XXXX, XXXX and XXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with XXXX AND EXPERIAN for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to challenging financial circumstances, I filed for XXXX XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to XXXX XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither XXXX XXXX nor XXXX XXXX. At the moment, I am simply continuing to make on-time payments.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX  Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX  XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not giving consumers the ability to dispute ONLINE or placed credit freezes on our accounts. I have tried several times and have endured an unauthorized inquiry on XXXX from XXXX XXXX. Its very important that the capability of a freeze needs to be accessible at all times. Companies are deceiving customers with only indicating a soft pull but yet are enduring hard credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$91.00} ), XXXX XXXX BANK ( Date Opened : XX/XX/XXXX, Balance : {$160.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : Balance : {$230.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$3000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Highest Balance : {$530.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1600.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX so I am not present at home for random mail ( been gone 2 years ). First progress apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX 2 weeks later XXXX 60 days late. Honestly I feel like it's fraud.
Product: Debt collection

I'm a XXXX patient and am getting daily calls from this debt collector for medical bills. I explained to them that I'm still unable to work, am not collecting XXXX and have no income at this time. 

I also told them that I was willing to honor the debt as soon as I get well and back to work. 

I get a call from this company every day even through I have blocked their number on my phone they leave a message EVERY DAY.
Product: Debt collection

On XX/XX/XXXX, I was in an auto accident that totaled my car and resulted in various injuries. On the evening of XX/XX/XXXX, I went to XXXX XXXX in Maryland ( Business Office # XXXX ) for medical service. Upon filing the accident claim witn my auto insurer, XXXX, the claim examiner asked would I like for XXXX to pay my medical bills or would I prefer that XXXX reimburse me ( XXXX claim examiner : XXXX XXXX can be reached at XXXX XXXX ). At the time, I asked that XXXX pay medical bills directly and I gave XXXX a XXXX waiver form related to medical services rendered in relation to the accident on XX/XX/XXXX. Since then I have received various bills in the mail and repeated phone calls from XXXX XXXX requesting that I settle the outstanding bill. XXXX repeatedly instructed me that they needed an itemized bill to pay the outstanding bill. On XX/XX/XXXX, I received an itemized bill from XXXX XXXX which I uploaded to XXXX 's claims website. 

XXXX informed me that they sent XXXX XXXX a check on XX/XX/XXXX, and that they have a record of XXXX XXXX depositing the check on XX/XX/XXXX. Between these XXXX dates, I spoke with XXXX XXXX twice, requesting if they had received the check, to which they told me they had not, but they entered a memo that the check was " in the mail. '' During the week of XX/XX/XXXX, I received a letter from NCC ( contact number XXXX ) a debt collection company. In response, I contacted XXXX XXXX on XX/XX/XXXX to confirm that they had received payment, and note that XXXX had erroneously contacted me for bill collection. At that time, the gentlemen at XXXX XXXX informed me that he had a record that the bill had been paid and that XXXX XXXX would clear up this matter with NCC. When I asked should I take any further action such as checking that Mercy had cleared up the matter, the gentleman agreed that I should reach out XXXX week later ( XXXX XXXX ). 

On the morning of XX/XX/XXXX, I received a call from NCC. I let it go to voicemail and called them back. After reading off various guarantor numbers and account numbers from XXXX XXXX, the bill collector told me that I'm probably looking at the wrong bill and that I could pay her now. At that point, I officially informed her that I wished to dispute this debt and what are the next steps. She then simply began a process of haggling with me, telling me that they were willing to mark the debt down if I paid then and there on the phone. At this point, I told her that this is ridiculous and that I don't understand why I'm being requested to pay a bill that has already been paid. I hung up the phone and I am now filing this complaint.
Product: Credit reporting 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 XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This company takes several weeks to process my payments my guess is to collect more interest they have also charged me a late fee in the past
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 item 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.