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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent yet another letter ( Certified USPS XXXX ) to Equifax stating my claim. My letter was an answer to the " verified '' account that allegedly was investigated. Equifax stated account XXXX XXXX XXXX XXXX was investigated but how is that even possible when the opening date, last active date, and last reported date are inaccurate? I also add that my name isn't listed correctly. 

Another part of my claim is that the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) states you need my written permission to furnish any report of mine and your agency doesn't have anything from me as the consumer giving consent or permission to report on my behalf which is identity theft. 

My letter demanded you investigate ALL RELEVANT information which means look at what my claim is instead of grouping it into a general dispute. Finally, I have to know as to how you can " verify '' the accounts below when XXXX has complied with my actual claim by deleting the accounts. I attached the agency 's report as proof that you are not communicating the disputes to all required databases. I want you to know that I realize using a name, birth date, SSN, and address is not a reasonable procedure nor is it fair and impartial as the FCRA states you are required reasonable procedures that are fair and equitable to me as the consumer. 

I've attached proof for the following account : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Of the 3 major credit reporting agencies, Equifax is the only one that continues to report late/trailing XXXX XXXX mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had XXXX XXXX provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.
Product: Credit reporting or other personal consumer reports

There are multiple unresolved issues with the reporting of students loansa ssigned to XXXX then transferred to XXXX, that I have been working for years to correct. 

First, duplicates of the same student loans report on my account. The unconsolidated loans from XXXX, are the same loans as the consolidated loans from XXXX and both are reported on my credit report. 

Second, the dates and reported delinquencies are erroneous, inconsistent, and it is abundantly clear no one has taken the time to review my disputes. The 22 unconsolidated loans were all from the same account with the same exact payment schedules, yet none of the reports or status 's are the same. Each time I attempt to have this corrected, I must submit 22 individual disputes which no one looks at. For example, there are multiple instances such as the status of a loan in XX/XX/XXXX. The account is listed as current with terms met. 30 days later in XX/XX/XXXX it lists a 90 day delinquency which is clearly impossible and inaccurate. 

The same thing happens in XXXX of XXXX. In XX/XX/XXXX ( during the pandemic and forgiveness period which is another issue ) the account is listed as current with terms met. 30 days later in XX/XX/XXXX it displays a 90 day delinquency again, recklessly erroneous and Ive reached out to both XXXX and Experian to correct this- additionally these accounts have been paid off in full- this is the history of payment I'm attempting to correct.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification from XXXX student loan servicer that my student loan had been paid by discharge and the balance is now {$0.00}. I then disputed this account on all the credit bureaus to have it updated to status paid/closed/balance {$0.00}. XXXX correctly updated my report with status : " CLOSED OR PAID ACCOUNT/ZERO BALANCE. '' XXXX shows the account still open w/ payment deferred status and balance {$0.00}. Experian has denied XXXX disputes informing me the current information is accurate with minor updates to payment history. It still shows the account as open with the full balance of {$100000.00}. I provided correspondence from XXXX and StudentAid.gov/Department of Education showing eligibility of discharge and notice of discharge with zeroed balance. Either XXXX is providing the incorrect information to XXXX of the XXXX CRAs upon request in the course of their investigations, or those XXXX agencies are not investigating my disputes and resolving them appropriately.
Product: Payday loan, title loan, or personal loan

since XXXX of the last year I got a credit line with Acima Credit which obligatiob number is XXXX, the payments i made are the followed, first payment XXXX XXXX, second payment XXXX XXXX, third payment XXXX XXXX, fourth payment XXXX XXXX, fifth payment XXXX XXXX, sixth payment XXXX XXXX, seventh payment XXXX XXXX and last payment to pay off the entire debt XXXX USD, everything was registered in their system. 
now on XX/XX/2020 they started to charge on my checking account amounts again for the debt that I consider was payed off since XXXX.I got the bank statement that shows the payments and they have the voice calls that I did with them showing my intentions to pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Equifax on XX/XX/2018. Nearly two months have passed, and I have yet to receive a response. I even sent a follow-up letter on XX/XX/XXXX, but that has also gone unanswered. Equifax was supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

I have been with " XXXX XXXX '' for the last five years with my primary home mortgage and never been late. All my correspondences are on line via email since I don't check any physical mails and all my payments are set up as auto pay directly from my bank account for convenience so that I don't have to worry about being late, late payment fees and to keep healthy credit score!!! 

Recently, as of XX/XX/2024 XXXX XXXX sold the mortgage to " Valon Mortgage Inc '', which I was not aware of since I don't check any physical mails, as I have mentioned earlier. After receiving a " certified mail '' I came to know that the loan has been sold to the Valon Mortgage Inc. After receiving the letter I have reached out to Valon Mortgage Inc , paid two months of outstanding payments and set up an auto payment immediately, including a bi-weekly payment. 
Valon CSR even removed the late fee for one month and told me that I will not be considered late since I have cured the breach within 90 days. 
Soon after I made the payments, I found out from the credit bureaus that Valon reported my payment as late and my credit score dropped by more than XXXX points!!! 

After the incident, I have reached out to Valon CSR again and explained them the situation. The CSR apologised and told me that it shouldn't have happened, but she can't do anything since that's above her pay grade and suggested me that I should send an email to Valon corporate office and asking them to remove late payment notification from credit bureau at XXXX, which I did immediately on XX/XX/XXXX. Till todate I have not received any communication from Valon and it's hurting my credit and financial obligations. Here is my details- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX Ph # XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Reporting by ChexSystems Dear CFPB Consumer Relations Team, I am writing to file a formal complaint regarding inaccurate information on my ChexSystems report and the lack of resolution after attempting to dispute these errors directly with ChexSystems and the reporting financial institution. 
Details of the Complaint : Reporting Entity : ChexSystems, Inc. 
Disputed Item ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Listed : XX/XX/XXXX Dispute Reason : On or around XX/XX/XXXX I discovered unauthorized transactions on my bank account associated with my debit card. Upon reviewing my account activity, I found a deposit totaling {$2400.00} that I did not make or authorize. After finding this out I quickly reported my card stolen. 
I have made multiple attempts to resolve this issue, including : Submitting a written dispute to ChexSystems Contacting the reporting financial institution, XXXX XXXX XXXXXXXX several times from the time this has occurred up until now. but I have not received adequate responses or corrections. 
Despite my efforts and the supporting evidence provided, the inaccurate information remains on my ChexSystems report. This has caused me to be denied access to banking services and has significantly impacted my financial well-being.
Product: Mortgage

My mortgage was recently sold to Shellpoint mortgage. I tried setting up the account online but their new website wont find my loan. When I try talking to someone on the phone none of their options lead to a representative, just information from the robot. On social media their chats just automatically reply to call us. I cant get a hold of them to pay my mortgage
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PHONE NUMBER : XXXX XXXX : XXXX SSN : XXXX Subject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several inquiries listed on my Equifax credit report. These inquiries, dated XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction. 

Specific Inquiries and Lack of Permissible Purpose : The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA. I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

XXXX XXXX XXXX ( XX/XX/year> ) : I have no record of applying for credit with XXXX XXXX XXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 
XXXX XXXX XXXX ( XX/XX/year> ) : I do not recall applying for credit with XXXX XXXX  XXXX on this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 
XXXX XXXX XXXX ( XX/XX/year> ) : Similar to inquiries # XXXX and # XXXX, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/year> ) : I also do not have any record of applying for credit with XXXX XXXX XXXX on this date . Verification of this inquiry and a detailed justification for its permissible purpose are requested. 

Impact of Inquiries : These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

Request : I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA, or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

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

This car was fradulently obtained. XX/XX/XXXX until XX/XX/XXXX I was XXXX in a XXXX XXXX facility. I have filed an FTC Report and a Police Report in regards to this matter. I have requested several times from this creditor to investigate this identity theft and they have refused. I did not purchase this car, my information was fraudulently used to obtain this auto loan.
Product: Checking or savings account

Spoke several times with Bank of America  employee :   XXXX   XXXX   Resolution Specialist  Regulatory Complaints  XXXX  She did not honor her agreement regarding  XXXX  accounts. No response to phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.
Product: Credit card or prepaid card

I made a few disputes with card.com Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX and 3 atm withdrawals which I never received my services or money from the atm or received my food and card.com refuses to refund my money.
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that this CAPITAL ONE BANK XXXX XXXX reported 30 day late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30,60 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be  reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
Product: Credit reporting or other personal consumer reports

I am constantly being denied credit due to information on my consumer credit reports. I never gave any one written consent to share any personal information on me.15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per U.S. Code 1681n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Student loan

I graduated from the XXXX XXXX XXXX University XX/XX/XXXX, with a Navient student loan that has accrued in interest while I was both in school full-time and looking for a job one year after graduation. I currently owe about $ XXXX, with payments becoming inconceivable after taking into account my necessary living expenses ( e.g. rent, utilities, food, medical bills ). 

I 've recently contacted the company to explain my situation in hopes of cutting my interest rate from a staggering 11 % to a lower rate and more affordable payments. It took me three days worth of phone calls to finally reach a representative by the name XXXX, who explained that there was a 'special program ' which I could sign up for if I switched to Auto-Pay, and my interest rate would be reduced to 7 % with payments of {$350.00} ( this is quite a difference from their projected {$550.00} loan payments that they were expecting me to pay them ). When she explained lowering my interest rate, I felt temporarily relieved, but my doubts began to resurface when she decisively finished the phone call with a last statement : " I will continue to contact you to ensure this program takes effect after three payments have been made through your account, but I can not guarantee its approval based on your application. '' This is also the same representative who, after receiving an e-mail specifying that I would be able to look into postponing payments due to economic hardship ( e.g. previously stated medical bills ), explained she was n't " sure who sent that e-mail and why it was sent to you ''. I find it highly distrustful that their e-mails and representatives are showing myself and other possible Navient clientele misleading information. ( I still have the e-mail in my logs as proof -- this e-mail is also the reason why I persisted in contacting the company about postponing payments. ) As of XXXX XXXX, XXXX, I 'm expecting written documentation to be sent to me via mail detailing the specifications I reviewed with XXXX over the phone. I also have a phone log, confirmation number and a clean credit history to back myself up in case there are any disputes over this new agreement, or an amount higher than {$350.00} shows up in my bank account. As of XXXX XXXX, XXXX ( my payment due date ), I 've checked my bank account periodically throughout the day, but no payment has shown up as of XXXX. I would have called the company today to verify a payment would be processed, but the phone line is not available on Saturdays. Nonetheless, I 'm still keeping periodical records for both personal and legal accountability. 

Due to the amount of horror stories and illegal activity I 've read about, my qualms with cooperating with this company have not ceased. If a 'missed payment ' shows up on my record and affects my credit score, I will be taking all necessary measures in order to disprove their allegations.
Product: Debt collection

I have been receiving phone calls from XXXX XXXX, IDK the name of the company because he doesn't provide that information in his messages ; however, he is calling me from XXXX and leaving messages that would not be a good idea to leave ( to me ). I feel threatened, very threatened which will make me " guarded '' and will defend myself. 

That XXXX has left the following message on yesterday, XX/XX/XXXX  : I am a location XXXX, XXXX XXXX calling today in reference to a pending claim by law I have to make you aware that once the claim is filed it becomes public record, your name and social are affiliated with this claim you need to contact the filing party before I parrot your home and job with your documents you do have the right to contact filing party their number is XXXX. 

The second message that he left today reads : I have to make you aware that the filing will become public records soon please be available with identification with both of your job and home tomorrow if I can not locate you a direct refusal to comply will be set on your behalf every attempt to contact you has been made the number you must call prior to being located is XXXX see you soon ... '' I have these recordings in my VOICEMAIL. I will upload them
Product: Debt collection

My name is XXXX XXXX I am in my XXXX. Just received subpoena on an auto loan that appears to be mine. I think I signed a loan for my son for two cars but this only has my name on it. Im confused. Ive not been contacted that payment wasnt made and looks like its been several years ago. I have congested XXXX XXXX and XXXX and my wife is battling XXXX and XXXX for noncurable XXXX, somehow we been signed out government XXXX and only have a replacement XXXX plan. We have no money left. Why didnt someone tell me before now. Why didnt they contact me but wait several years? Can u help me? My address is XXXX XXXX XXXX XXXX XXXX va XXXX and my stepdaughter helps us. I have hard time hearing. Ask for her or XXXX. The warrant is from XXXX XXXX XXXX. If they can send warrant in the mail why cant they call me or talk to me. We have no money thank u
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX