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

My stundent loan balance is not {$170000.00}. Some of it was discharged recently and down to about {$100000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I Received Multiple Banking Debit Pre Paid Debit Card for Bank Of America XXXX that are not standard for Bank of America. there are codes on the back that are accessing my accounts disclosing my personal information and debit transactions are being extracted and deposited via transfer to undisclosed locations. XXXX XXXX And XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FDIC Account, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, These counties are primary XXXX XXXX and XXXX XXXX, there are also some money applications for your XXXX devices that cash checks instantly that have XXXX XXXX. i have two other accounts that dating back to 2005 that still have funds that need account recovery. I am getting the process of retaining an attorney to represent me in this case. Suspects are Uknown, I have a few in mind that can be looked into. Court proceedings have been illegally booked and appeared at by someone posing as myself in Washington D. and Nevada State, Ohio, the identity theft is major issue for 4 national settlement and judgements have been stolen by XXXX XXXX Courts XXXX Courts and XXXX XXXX usps nationwide identity heft has caused me to not receive mail at theprimary locations i reside.
Product: Credit card or prepaid card

I had signed up for the US bank XXXX XXXX XXXXXXXX XXXX and when I signed up it clearly said that if I spent {$2000.00} within the first 120 days, I would get {$500.00} cash back as an introductory offer bonus and I spent over {$2000.00} in the first 45-60 days itself and I still haven't received my {$500.00} cash back bonus.
Product: Mortgage

I made the XXXX XXXX  payment on time, but due to the bank post my fund transfer later, the Mortgage company received a refuse payment. The Mortgage company XXXX Carrington Mortgage ) didn't inform me on email with this problem, late I found it by myself and called in and made the payment with XXXX. The company charged me {$30.00} for return fee and {$45.00} for late fee. I contacted the bank, they don't charge the refund fee. They also refused to refund the {$45.00} late fee. 
The mortgage didn't inform me the refused charge with email or phone call, the problem was due to the bank handled the fund transfer later. No my problem!
Product: Credit reporting or other personal consumer reports

On summer of this year I called SST, a subsidiary of Alorica, to asked them to deferred three payments of my personal loan. SST send me an agreement and I signed it. I was told by SST, that my credit report will not be affected. Arbitrary SST started reporting late payments to the credit bureaus. by the way, SST is not allowing me to view the document signed in their website!!

Over three months I have being calling requesting the issue to be resolved and they are evading their responsibility and repeatedly telling me that I have to wait. They are playing the tired game with me.

I want from them to stop reporting viciously to the credit bureaus immediately and fix my credit report.

best,
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of refinancing my home, my mortgage loan officer discovered a credit inquiry registered by Equifax XXXX on XX/XX/2021. I have a " member no. '' that was referenced in the inquiry but, besides the date and the credit reporting company, that was all the information my bank produced. However, after contacting Equifax in the US, the representative researched the inquiry and determined the company placing the credit check is XXXX XXXX. I have no knowledge whatsoever of this company and have not sought credit from any XXXX company. Therefore, my concern is that my credit report is being fraudulently accessed. I want a fraud alert placed to monitor any subsequent inquiry from this company and to make access of my credit information less readily accessible without my approval.
Product: Student loan

I had recently contacted Edfinancial following the news of Bidens Loan Forgiveness Plan in an attempt to request a refund on my payments made during covid forbearance per the CARES act. I asked Edfinancial to refund my payments but was notified of a ridiculous processing time of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic, I had made nearly $ XXXX in payments for my loan in an attempt to get ahead during the interest rates freeze. 

What strikes me as odd, is that Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these until early-midway next year. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request and Ive heard of numerous people having their refund never actually get put in. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. 

They have also recently suffered a data breach and were sued for lying about student loan cancellation. All these factors combined make me distrust Edfinancial, and I believe their recent attempts at lacking transparency is simply to deceive those gullible enough to believe the we are processing it as fast as we can, we need 150 days facade they are putting up. All in an attempt to make as many clients ineligible for loan forgiveness as possible.
Product: Debt collection

This is another company stating I owe XXXX and I already disputed the XXXX one. I dont understand how I could owe them twice to two different collection agencies. I want this off of my credit please
Product: Checking or savings account

I lost money due to capital one atm I was told that it was n't found and nothing can be done for me. I should be insured. My money is just gone
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my Experian credit report, and noticed several inquiries that I did not authorize. These inquiries are : XXXX XXXX, opened on XX/XX/XXXX, XXXX XXXX, opened on XX/XX/XXXX, XXXX Card, opened on XX/XX/XXXX, and XXXX, opened on XX/XX/XXXX. I've attempted to call Experian earlier today, and these companies in efforts to have this information removed from my credit report. These inquiries are concerning to me, and I would like your assistance in investigating this matter and taking appropriate action to rectify any inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account Number # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I had a charge off with  XXXX   XXXX  Bank that has been paid and is reporting as a paid charge off on my credit report but they have a company that also reported a collection onto my report that is showing a balance for the same amount that I already paid and was reporting it as paid.
Product: Checking or savings account

Deposited a XXXX  Check that was verified using the " XXXX Check XXXX XXXX ''. 

The check deposit posted XXXX/XXXX/2024. On XXXX/XXXX/2024, I received an email that stated, " This money is subject to an extended hold because some information on the check is not consistent with other information on the check. If the check is not paid, we'll notify you by mail. '' I then spoke to several Ally Bank XXXX. I was told many things. XXXX XXXX  told me the funds had not been released by the other bank. A supervisor contacted the " back-office '' and said the check was being held due to high fraud rates on XXXX  Checks XXXX 

Regulation CC, Subsection B, Section 229.10 Next-day availability, States that the regulation requires that cash deposits, wire transfers, and certain check deposits that Congress believes pose little risk to the depositary bank, such as XXXX  checks and cashiers checks, generally be made available for withdrawal by the business day after the banking day of deposit.

Why is a XXXX XXXX  check that can be easily verified using the Treasury Check Verification System being held? I verified the check myself using the website. The check was verified, and the status was " Issued ''. 

Regulation CC, Subsection B, Section 229.12 Availability schedule States that proceeds of local and nonlocal checks must generally be made available for withdrawal by the second and fifth business day following deposit, respectively. A local check is a check deposited in a depositary bank that is located in the same Federal Reserve check-processing region as the paying bank, and a nonlocal check is XXXX deposited in a different check-processing region than the paying bank. ( There are no longer any non-local checks. ) So, there should not be a hold past XXXX  days for any reason because there are no longer any " non-local checks ''. But, Congress ruled XXXX checks should not be held at all!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy XXXX
Product: Vehicle loan or lease

I recently checked my credit report and notice a balance of {$600.00} reported by your company. It was the balance of the car loan minus what GAP insurance should have paid.

I called your company and told them I didn't owe the balance. They said they didn't pay it because they thought I had a dui. The case was thrown out, I was never convicted of this dui. I sent a fax of my court documents to prove this. This account still appears on my credit report. I need this balance payed at once, and it removed from my credit report, or you are civilly liable according to the Fair Debt Collection Practices Act for willful noncompliance.
Product: Credit reporting or other personal consumer reports

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from credit karma recommending I apply for a XXXX XXXX XXXX  account. The email stated that I had outstanding odds of acquiring an account. I'm all for building up my credit but when I went to apply for it XX/XX/2022, I was denied. The email that was sent out to me from credit karma was dated for XX/XX/2022.
Product: Mortgage

I learned yesterday that I have had no insurance coverage on my condominium. I contacted my mortgage company and was told my insurance was not included in my escrow. I went home and retrieved my loan documents to confirm they were to be included. When I again contacted the mortgage company they basically said " yes, we screwed up but you should have caught it. '' I was never contacted by the lender, the insurance company or my insurance agent. My agent said he had never been notified by the carrier that the policy was being canceled, in fact when he looked on their website is showed the policy was active but when he called he was told it was canceled in 2019 for non payment. Now no carrier wants to cover me because of the lapse in coverage. My agent said he could perhaps get XXXX XXXX to cover me but it would be extremely expensive. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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 reporting or other personal consumer reports

Pursuant 15 USC 1681s-2 ( a ) ( 1 ), Trans Union continues to report inaccurate information on my consumer report in regard to an XXXX XXXX XXXX  account. This debt has been disputed multiple times without Validation provided by wet ink signature and Trans Union will not remove this account. XXXX XXXX has closed the account since dispute but the balance on still reads {$1200.00}. I want this account removed immediately as its nature is derogatory and contributing to adverse actions when I apply for other credit. Furthermore, Pursuant 15 USC 1681 ( b ) ( 2 ), Trans Union has never received authorization or written consent from I, the Consumer to furnish this negative account and whatever information they've shared without consent.

Pursuant 15 USC 1681 ( o ), the willful noncompliance and negligence is a major violations of my consumer rights ; as prolonged action on the Trans Union 's end has halted my ability to take advantage of better rates on loans and a mortgage to shelter my Family.

Furthermore. Pursuant 15USC 1681 Section 602 clearly states that Consumers have right to privacy and Pursuant 15USC 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Trans Union continues to furnish information on my credit report inaccurately and without consent. They have dishonored requests sent certified mail to correct my consumer report and have not provided proof in inaccuracies.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX 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. 

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 reasonabl
e cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX at XXXX i was making a deposit and the atm ate my checks. I called Bank of Americas 3rd party atm service and submitted a claim. When I called they said they submitted a claim and I was initially told I would get a credit within 2 days. At that time I expressed to the agent that this money was for payroll. When I checked my account on Friday, no credit was posted. I proceeded to call back on Monday and another Bank of America agent would be expediting another request which would take another 2 to 10 business days. I called on Tuesday XX/XX/XXXX. I was told by Bank of America that the agent didnt fully submit my claim either time and that I still have to wait 2 to 10 business days to receive a temporary credit. These Funds are to cover my ( Employee ) payroll. My employees are asking for their money and I unfortunately can not give them a response as Bank of America can not temporary credit me the amount that I deposit. They are asking for me to wait but I did everything on my part to make sure the claim was submitted in a timely mannner. I believe this is unfair for my team and myself when this error was through Bank of America agents and withholding my funds as they doing their investigation is unfair to my employees and myself. No form compensation has been offered and the only solution I was offer was an expedited 24 review on my claim after I said I would file a compliant and potentially speak with an attorney
Product: Credit reporting or other personal consumer reports

I am disputing my personal information, names, addresses, and DOB needs to be updated and corrected. My name is spelled XXXXXXXX XXXX XXXXXXXX, my email address is XXXX, my phone number is XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ( Original Creditor : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : RENTRECOVERY {$2100.00} 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.