23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I ordered a grant writing service from XXXX XXXX The website only listed it as {$36.00}. I was charged three times for a total of {$100.00}. I did't receive the service. After following up numerous times, XXXX XXXX acknowledge she had not delivered the services and agreed to a refund. She never made good on the refund. I contacted Chase to dispute the transaction. I told the rep on the phone there was three charges. He said he got it. When I was mailed the form requesting information, it only had one charge. When I submitted evidence in my online banking it only showed disputes for two charges. Someone in Chase is intentionally getting the information incorrect. Today when I logged in my account one charge was
reversed. The reversal occurred on XX/XX/2024. This is an error. Chase has received evidence in the form of an email where the merchant admitted wrong and stated she would provide a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I already contacted consumer finance about this and the company said they would quit contacting me but they have not. Also, they did not answer as to whether or not they were going to cancel the debt. I advised I had no proof of this debt other than XXXX saying I owe it. I have no business with XXXX. They have no proof I owe this money. I asked them to give proof I owe it and I would pay it. They have yet to offer up proof other than their word. A stranger on XXXX XXXX can say I owe money to them but, they are a stranger without a relationship to me. I have no proof. Attached you will find their bill, my letter to them, their letter with the itemized bill and my certified mail receipt. You will note the itemized bill states " You are not being asked to pay the itemized amounts listed above. The amount you owe after all insurance payments and adjustments will be on your hospital bill. '' I never received such bill or it would have been paid.
Product: Consumer Loan

nissan motor accptance company continues to call my job and harrass me after i have spkoe to them several times and asked to not call my home or cell. they have continuesd to ignore my request and keep calling both my employer and cell.. now i have been written up and reprmanded for the personal calls. I feel i have been disrespected as well as the company i work for. I no longer wish to do business with NMAC any longer and want to be compensated for the stress the calls have created at my workplace
Product: Credit reporting or other personal consumer reports

On the previous CFPB Complaint, Resurgent Capital Services XXXX FALSELY stated " Resurgent and the Current Owner comply with all applicable regulatory and licensing requirements in each state where they operate. Specific information regarding licensing can be found on the appropriate regulators website. '' A simple search on the XXXX of the XXXX 's website will show the exact opposite. XXXX XXXX, XXXX was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the XXXX of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the XXXX of Massachusetts. XXXX XXXX, XXXX, Resurgent Capital Services XXXX and XXXX Funding, XXXX are all attempting to collect an alleged debt for XXXX XXXX Bank, XXXX. at the same exact time. Resurgent is attempting to circumvent the CFPB 's response time limit along with the 30 Day Demand Letter 's timely manner to respond ; the 30 Day Demand Letter was submitted via the CFPB on XXXX XX/XX/XXXX and the final date to correct their improper and deceptive practices will remain as XXXX XX/XX/XXXX.
Product: Student loan

The federal government had expanded the public service loan forgiveness parameters because of faulty and misinformation given that were not counting payments that should have qualified. I was victim to this and appreciative of the temporary expansion ( TEPSLF ). I have correctly submitted all of my paperwork to have the previously unqualifying payments count towards my XXXX payments towards full forgiveness to MOHELA. This paperwork was submitted ( with an attachment ) in XXXX of 2022. Because I had gone in and out of full time employment at my qualifying employer, an attached document was provided detailing all of the dates that I worked to be considered full time and therefore work towards my forgiveness. In XXXX of 2022 the paperwork was under review. Several months later it has said processed but my payments were still not reflected. I called and they said even though the document says processed it can still take another 90 days for the payments to reflect ( untrue ). I have since called and spent more than an hour at each juncture explaining, escalating my complaint ( including bringing it to the federal government ) to each time be told that it will be handled. Most recently I had someone say they would have it reviewed again in detail and understood my problem. Today I got an email saying they are missing documentation about average hours worked. In the document submitted under average hours worked it says : see attached document which in full details the months of a full 4 years at the qualifying institution and which of those months were considered full time. They are now asking for this information-which they have, and continuing to not solve this XXXX year issue, to which they have every amount of information needed. They are scamming me and hindering my progress towards loan forgiveness. I have a child with XXXX XXXX and can not spend endless amounts of time dealing with this.
Product: Debt collection

The Company XXXX XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a XXXX XXXX XXXX XXXX, who appears to be fraudulently claiming authority of this XXXX Office to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX XXXX XXXX Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Product: Credit reporting or other personal consumer reports

My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I complained Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notified me the company responded. Equifax did not respond ; it returned the complaint. 

Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX, XXXX, and XXXX are reporting and only Equifax is not. 

Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. Equifax continues falsifying my information and CFPB is complicit, saying it responded when it did not ; it took 30 days to send the complaint back to CFPB. 

Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is, apparently complicit and the whole thing makes no sense as Equifax IS a credit reporting agency, who exists solely to report creditors.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete an item that has been on my credit for 7 years. XXXX  and XXXX  has already removed this item. I have tried since XX/XX/2021 and I have been hung up on, on hold for long periods of time. They have people that are not knowledgeable of the law and don't have any customers service. As of today XX/XX/2021 I have been on hold for at least 44 minutes as the rep say he's looking into it.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and have taken immediate action to address it. It is crucial to resolve this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be sincerely appreciated.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, XXXX and Equifax about unknown inquires that are listed on my credit report last Month around or between XX/XX/XXXX and XXXX I believe to have unauthorized and unrecongnized inquires removed and XXXX has denied to remove the unrecognized and unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently checked my credit report and it stated that on XX/XX/2022 a hard inquiry was reported on my XXXX AND EXPERIAN Credit report from XXXX XXXX. I DO NOT have an account on my credit report nor did I apply for an account with this company. I called XXXX in an attempt to get the inquiry removed immediately due to it being fraudulent. XXXX refused to remove the inquiry which is now hurting my credit report and credit reputation. THIS INQUIRY NEEDS TO BE REMOVED IMMEDIATELY!
Product: Debt collection

This debt was in XXXX. I had paid everything to the apartment complex " XXXX XXXX '' after breaking my lease due to shootings. Staff confirmed I had no debt and that anything extra would be waived. Debt got sent to Genesis in XXXX. I asked for an itemized list of damages and they sent a copy of my lease agreement and a form that had rent for one day and general damages. Nothing listed what that was especially when I had paid a deposit that I never received from the complex and nothing specifically damaged. I have pictures of when I moved in and moved out. They have been calling day and night and I have not returned calls as it would reset time for debt. This is currently XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Contacted Capital One Credit Card in XXXX of XXXX  by going into the branch and having the staff contact the credit card department. I informed them my credit was pulled and a fraudulent set of charges was charged to an account XXXX XXXXXXXX I knew nothing about and all of these late pays from the fraudulent charges were destroying my credit score. I filed a fraud report over the phone with them and was told a new card would be issued. I received a new card ending in XXXX XXXXXXXX. I went in monthly to address this with Cap One in the branch and had them call credit card dept as being told by 3rd party they still had on my credit. I just had my credit pulled and now instead of one card with all these bogus late pays I show 2. The old Fraud one shows active ( per XXXX minutes ago the fraud dept of XXXX told me the account shows closed on their records and told me I needed to contact the credit bureaus to have removed ). Fraudulent card shows reporting from only XXXX. My new card I just received has late pays of XXXX days, XXXX XXXX days and XXXX days. When they sent me the new card they uploaded the fraudulent credit history causing my score to be terrible. Please have them remove this fraudulent card, XXXX from my credit report completely and have them remove the fraudulent late pays from my current account XXXX.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XX/XX/XXXX.One of the disputed items is Bankruptcy : Discharged XXXX ref # XXXXwhich according to the court has been dismissed last XX/XX/XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XX/XX/XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempt to address the issue of a late open account on my credit report. 

Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial history. It is crucial to ensure the accuracy of my credit report for maintaining my financial integrity and credibility. 

I kindly request your immediate attention to this matter. Please take the necessary steps to correct the opening date of the account in question and ensure that my credit report accurately reflects my financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have changed my last name legally and now Equifax is not showing a credit score or allowing lenders to pull my score and report information. I have not been able to have access to a credit report or score for Equifax since XXXX is XXXX. I have confirmed the my name, address, DOB, and SSN are all correct with Equifax and there are still issues. This had been on going for over 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I closed the sale on a property I owned which was financed by XXXX XXXX  and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from XXXX. 
In the process of applying for a VA Errol loan refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from XXXX XXXX  to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both Equifax and XXXX  and they both reported back in mid XXXX ( XX/XX/XXXX ) that the XXXX XXXX  loan was still showing open. 
I again called both XXXX  and Equifax and they advised me that the XXXX XXXX  account still showed open based on XXXX latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, XXXX would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days XXXX to the various bureaus, but XXXX week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the XXXX report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX  files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. 
I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my BEACON SCORE ( by 50 points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in one day ; XXXX can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
Product: Debt collection

PORTFOLIO RECOVERY SYSTEMS, located at XXXX XXXX XXXX XXXX, VA XXXX, has been sending me collection notices in the amount of {$480.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my wet signature that validates that I have to pay them.
Product: Credit reporting or other personal consumer reports

THIS IS A NEW and UNIQUE CFPB complaint, not a duplicate. DO NOT AUTOMATICALLY CLOSE THIS CFPB complaint. 

Approximately two weeks ago I sent the following communication to XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that my consumer right to opt out of sharing, as a federally protected consumer per 16 CFR 433.2 and 16 CFR 433.3, my nonpublic personal information with any nonaffiliated third parties, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809, which I hereby exercise and invoke this right. As a federally protected consumer, per 16 CFR 433.2 and 16 CFR 433.3, I now, and indefinitely, as well as retroactively, opt out of any and all authorization ( s ) I, the consumer, may have given TransUnion, XXXX, XXXX, and XXXX XXXX XXXX written, unwritten, verbal, and non-verbal, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
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 XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction 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.