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

On XX/XX/2021 and XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
*15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy. 
*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters three times for XXXX, Equifax and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach, my information was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a loan with XXXX XXXX that was ultimately sold to Jefferson Capitol. As the account neared 7 years maturation and about to be eligible to drop off my credit report, Jefferson Capitol re-aged my account and put it on my credit report as being delinquent as of 2017 starting the clock over as to when it would mature and come off my credit report. I emailed and called Jefferson Capitol and only got unfulfilling answers and no response to my emails. The account was previously removed and Jefferson Capitol readded it without proper notification and reached the account which violates the law.
Product: Mortgage

I contacted HSBC concerning my payments history and statements for year XX/XX/XXXX-XX/XX/XXXX. I also informed the HSBC Rep that I had gotten the escrow check that was set XX/XX/XXXX. I informed the HSBC Rep that the check had my name and my Ex husbands name. I informed the HSBC that the previous check had my name only. 
The HsbC Rep instructed me to send the divorce decree and quit claims deed. I forwarded the information immediately. I called later to confirm that they received the information. The HSBC Rep sent the payment history to my email address and instructed me to call Tuesday to get the statements. I called Tuesday and got the statements. The HSBC Rep stated that someone should be contacting you concerning the escrow check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX daughter XXXX XXXX is trying to get student loans for college and has been denied as Transunion is showing a " block ''. When she calls XXXX, they will not speak to her as she is under XXXX. She was advised to make an online account and we tried that but it will not allow her as she is under XXXX. I made an account but I am unable to communicate with them as I am not her! They want me to get power of attorney for her, in order to speak to them, although she is sitting with me when I call! I have called multiple times, so has she. Sometimes they tell her a few things such as they have one digit in her SSN wrong. We have had to both fax and mail a copy of her SS Card, drivers license, my drivers license, my paystub showing my address and her birth certificate proving I am her mother, along with a note asking them to " unblock '' her credit. She is alternating being told that there is a block on her credit and that one digit is wrong. We really do not know the truth. We have also utilized the chat feature that Transunion is pushing, but the people on chat say to call, this can't be handled in chat. I have explained they will not speak to either of us, and still no one is helping. I have filed a XXXX complaint and it seems that was closed when Transunion told them I need power of attorney. For my XXXX XXXX XXXX child who lives with me her whole life! 

So she was denied her student loans for this reason. After waiting XXXX business days since the last time we mailed in the appropriate documents and request, she called Transunion yesterday XX/XX/XXXX, the person on the phone said they did not see any issues so to assume it was handled. We again applied for the student loan yesterday and today was denied again! stating Transunion has a block. This is absolutely ridiculous. She will not be XXXX until XX/XX/XXXX but her tuition is due XXXX. We have been messing around with Transunion on this since late XXXX. The bank who she has applied for her student loans through says the other XXXX credit reporting agencies do not have a block and Transunion is the only XXXX.
Product: Debt collection

Credence has been calling me in regards to my XXXX XXXX XXXX account that is past due. In addition to calling my number about this account ( my voicemail identifies this number as my correct number ) they are also calling my XXXX XXXX XXXX child and my live in boyfriend. They have called their numbers daily- when they should only be calling me about this debt. 

XXXX XXXX XXXX also should have provided my number as the primary number- knowing that this was my account and this was my number. why they are calling my childs number is extremely frustrating since she is XXXX XXXX XXXX. My boyfriend has no association with my bills and just moved into my home- how they got his number is questionable but the fact they called it when they have a known number for me is harassment. His number has no associated with me AT ALL- if they are skip tracing to find this information that means they are knowingly calling a number thats not me to contact me or showcase to others that I have an outstanding debt. That is disclosing my debts to others and Im not happy at all.

Ill handle my debt when Im ready and they shouldnt be harassing every member of my family with daily calls, especially when they have my number.
Product: Debt collection

On XX/XX/2023 I recieved a phone call from XXXX. I researched the phone number and found it went to Amsher Collection Agency. I know I owe no funds to anyone so I called out of curiosity. I spoke to an unknown woman who immediately wanted the last 4 of my SSN and date of birth. I did not give it to her and basically called her out. She told me I was full of XXXX. I disconnected the call and called back with XXXX answering. Again she wanted the last 4 and DOB. I did not give it to her, requested to speak to a supervisor and XXXX came on the phone. He also wanted the last 4 of my SSN and DOB, again I did not give it to him. I informed him to cease and desist all further communications. I was hoping to actually get information on what this was regarding so I called again. I spoke with XXXX who wanted to the same information. I did not give it to her but informed her that I am knowledgeable about the FDCPA and she legally had to identify the name and address of the collection agency and who they represented. She told me not to tell her how to do her job. I informed her also to cease and desist. She then resorted to wanting my address. I gave her the numerical value of my house but not the street name. I provided all the town and city names I've live in for the past 30 years. She told me I was incorrect. I called one more time requesting to speak to a supervisor other than XXXX. I was transferred to XXXX again after more back and forth I told him to cease and desist any further communications. He said he would continue to call me. I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account with XXXX was automatically placed in forbearance many times over the years. I was on an income based repayment plan with a monthly payment of {$0.00}. XXXX continues to switch my account to forbearance so that they can collect interest on the principal. During the month of XXXX XXXX and XXXX 2021 they issued a forbearance on the Income Based Repayment plan and reported my account delinquent to the credit bureaus. The student loan is inaccurately being reported as 6 separate accounts, therefore there are 18 delinquencies on my credit report in this 3 month period. 
Furthermore, the account was never delinquent. It was on an income based repayment plan, and through deception was placed in forbearance. During the forbearance, the account is being reported XXXX past due, XXXX times. Therefore my credit score dropped XXXX points for 18 payments 150 days past due. 
Again, there was only 1 monthly payment and the amount was {$0.00}. XXXX granted a forbearance during the affected period XXXX XXXX and XXXX 2021, yet still continues to report my account delinquent. I have contacted XXXX  and requested documentation to support their claim that I requested a forbearance and that I was told my account would be reported late. There has been no response in the past 3 months. I have disputed with all 3 credit bureaus and XXXX continues to insist that the information being reported is accurate.
Product: Student loan

Ive paid my Navient loans for approx 20 years with no delinquency. I was informed my email and on FSA site that all loans were in forbearance until XX/XX/2022. 
I was noticed by XXXX credit secure that my credit was showing delinquency. Upon investigation Navient submitted a delinquency to XXXX an XXXX without notifying me. This occurred on XX/XX/2022. 
According to The Fair Credit Reporting Act, I feel my rights have been violated.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me i am a retired XXXX XXXX who served the country for over 25 years and it is very depressing to find this on my report. 

ACCOUNT - XXXX - XXXX - NOT MINE NEVER BEEN MINE - 15 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

- XXXX - XXXX - XXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 


XXXX - XXXX - NOT MINE NEVER BEEN 15 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I NEVER APPLIED FOR ANY OF THIS please remove Please see attached.
Product: Debt collection

I keep getting phone calls from HFS. ( Halstead Financial Services. They call and ask for XXXX who is my daughter and I keep telling them she does not live with me. They even called and asked for me but gave me her social security number. They keep calling stating I am XXXX and to stop playing games. I do not owe these people nor am I XXXX. XXXX.
Product: Debt collection

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Spring Oaks Capital LLC Date of Inquiry : XXXX Amount : {$840.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im building my credit so I check it every so often. so I wake up one day to see that I had hard inquiries from comenity bank/ XXXX XXXX XX/XX/2021 and XXXX XXXX  XX/XX/2021 I have no knowledge of these accounts an I want them removed ASAP please an thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I order a product from a website, it say only XXXX for trying this product. I didn't notice there is a catch on this product for XXXX cost. on the email i got from this company see attached doc, it didn't say anything about additional charge. i call my credit card company and provide them with this email, my credit card company refuse to get this taking off my credit card. please assist.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness.

Truth in Lending Act ( TILA ) Violations According to 15 U.S. Code 1666b, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and XXXX XXXX XXXX XXXX Credit Bureaus Account XXXX Account XXXX : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : XXXX Months Account Type : Auto Loan Discrepancies Across Credit Bureaus XXXX XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
Equifax : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " Current. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections. 
An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

In approximately the mid to end of XXXX  I switched from XXXX to my current company and returned the XXXX XXXX to XXXX. I spoke to them on the phone a few months after as they called and said I owed approximately {$1100.00} but I asked them to look in their system and verify they had received the phone back in which they did. So the male representative on the phone said he removed the owed amount as the phone was also marked in excellent/pristine condition and nothing else was needed. I do NOT owe this. Ask them to GPS locate the phone as it is not in my possession and hasnt been for YEARS! It should show everything from that phone was transferred to another XXXX, all my personal info wiped from it, resett to factory settings, turned off, and sent back to their facility where it has been ever since unless they resold it which highly likely is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. XXXX document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.
Product: Checking or savings account

I called to check on what happened with my Checking account at Chase bank because the account did not look right and the representative told me the account was being restricted because of the hold on my check deposit and the check was returned and now I was told the account was closed without my my knowledge.
Product: Credit card or prepaid card

I was a day late on payment and assessed a late fee by CBNA Home Depot credit card service. I notified Citibank about the payment and asked for them to waive the late payment fee as a gesture of customer good will since I was a long time customer with no payment issues previously. 

They refused to waive the fee. I paid the balance minus the late fee and closed the account. However, Citibank continues to assess late payment fees and interest on the account 3 months later. 

They have sent to collections and reported to the credit agencies. 

Wow!
Product: Credit card

I ordered 60 bottles of wine which never showed up. I went back-and-forth with the merchant one lie after another. I contacted credit card company, and suddenly six bottles of wine showed up that we were not even part of what I bought. I explained this to the credit card company show them the proof of this And still keep getting billed {$10000.00} for the 60 bottles of wine of which I never received is going on 10 months back-and-forth. They just keep coming to the conclusion that I must pay them for something I never received.
Product: Debt collection

I received a court summons saying I owe {$1400.00} to a debt collector. This collector never attempted to reach out to me prior to this - not a single email or letter about me owing them money and when I check the court website it says they opened this case against me a month ago, but never reached out regarding it until now saying I have 20 days to respond. I was very confused and attempted to reach out to them but they wont talk to me. Im especially confused because I dont owe anyone this amount. I have a {$2000.00} something amount I owe through my bank, {$33.00} I owe on my car loan, and a {$1800.00} debt I owe to XXXX  XXXX XXXX that I have been paying off and their records show it wasnt sent to debt collection. Even when I check my credit score/history it only lists these three so Im not sure where this company is getting that I owe them money. I cant even find them online. The summons and court documents say its XXXX but XXXX keeps trying to change it to Unifund.
Product: Vehicle loan or lease

I purchased my leased Hyundai and have yet to receive my title after 60 days. 

XX/XX/2021 - buyout payment and odometer statement sent via XXXX. The check was cashed on XX/XX/2021. 

After several calls with HMF, I was advised to re-send the odometer statement because they did not have a record of receiving it. I faxed it to HMF on XX/XX/2021 and again on XX/XX/2021. Both faxes were successfully transmitted. 

XX/XX/2021 - called HMF and they claimed the odometer statement has not been received and I was advised to email a copy to XXXX, which I did the same day. 

XX/XX/2021 - the Titles Department advised that they did not handle title release and forwarded my odometer statement to XXXX. 

XX/XX/2021 - called HMF, no title release and no movement on the account. 

XX/XX/2021 - called HMF, escalated to manager who confirmed odometer statement had been received in XXXX and asked to give them another week. 

XX/XX/2021 - called HMF, no title release and no movement on the account.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$990.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX XXXXXXXX XXXX ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX BANK XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX  XXXX XXXX opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX  ( Date XXXX XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ) Its been over 45 days and Equifax XXXX respond to XXXX request as they are required to by the Federal Credit Reporting Act.