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

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to XXXX  and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.
Product: Credit reporting

Equifax has an on-line dispute program, but the system does not allow a dispute to be entered. After numerous attempts over a period of days I have not been able to access my record to dispute inaccuracies that exist and that have a derogatory effect on my credit score. The preliminary section asks for name, ssn, address & e-mail, and after entering this standard information, I am redirected to a page that informs me that Equifaxs ' records do n't match the information I entered. Seriously, my name, address, SSn and e-mail? Please. Equifax has never adequately removed information and I have filed other disputes regarding their failure to respond to my credit inquiries.
Product: Credit card or prepaid card

I USE A FDIC, VISA- DEBIT BANK CARD THROUGH AN APP CALLED " CURRENT ''. YESTERDAY AT XXXX XXXX I RECIEVED A CALL FROM CURRENT, SAYING THAT THERE WAS A PENDING TRANSACTION FROM A XXXX  IN TEXAS, FOR THE AMOUNT OF {$72.00} AND THEY NEEDED TO CONFIRM IT WAS ME OR NOT. I DID NOT GIVE OUT ANY ACCOUNT INFORMATION, ONLY VERIFIED THAT MY PHONE NUMBER WAS ATTACHED TO THAT ACCOUNT THROUGH A VERIFICATION CODE. NEXT THING I KNOW, MY ENTIRE SAVINGS ACCOUNT WAS DRAINED ( {$3200.00} ) AND SENT TO ANOTHER CURRENT ACCOUNT TO A WOMAN NAMED " XXXX XXXX '' ( WHICH IM PRETTY SURE IS A FAKE NAME/ACCOUNT ). THE RECIEPT NUMBER FOR THAT TRANSACTION IS : " XXXX " I IMMIEDIATLY TRIED TO CONTACT THE COMPANY CURRENT ABOUT THIS FRAUD- WHICH ONLY ALLOWS YOU TO CONTACT THEM THROUGH THERE APP XXXX XXXX- AND EMAIL. I DID EACH OF THOSE TWICE, AND WAS SENT BACK {$1000.00} BUT I WAS TOLD THEY MADE THEIR DECISION AND CAN NOT HELP ME. I DONT UNDERSTAND WHY THEY SEND ME SOME, BUT NOT ALL OF WHAT WAS TAKEN FROM ME. I CONTINUE TO EMAIL THEM PLEADING TO INVESTIGATE IT WITH NO AVAIL. I HAVE FILED A POLICE REPORT WITH THE TOWN OF XXXX XXXX XXXX  ( WHERE I LIVE ) WITH AN OFFICER XXXX. 

( POLICE REPORT NUMBER IS : # XXXX ) I HAVE CONTACTED XXXX XXXX XXXX XXXX, ( THE BANK THAT CURRENT HANDLES TRANSACTIONS THROUGH ) AND THEY TELL ME THEY CAN NOT HELP ME BECAUSE ITS A 3RD PARTY COMPANY- AND TO CONTACT THEM ABOUT IT. I HAVE TRIED OVER AND OVER AGAIN TO GET CURRENT TO HELP ME- BUT THEY REFUSE. 

TO SOME PEOPLE {$3200.00} IS NOT ALOT OF MONEY, BUT TO ME IT IS. I WORKED HARD FOR THAT MONEY AND I AM SICK OVER THIS. PLEASE PLEASE HELP ME. MANY THANKS AND PLEASE LET ME KNOW. THANK YOU.. 

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

In XX/XX/XXXX I started the process of refinancing a house. When the lender pulled my credit report they showed a credit card with a $ XXXX limit with a high balance XXXX XXXX XXXX ). This credit card only showed on my Experian credit report which is considered the standard for home loans. Both XXXX and XXXX  did not show this card. When I researched what was going on I found that this was a card where I had been an authorized user. I had been removed from the account more than XXXX  years prior and XXXX XXXX was not reporting this account as associated to me. Both XXXX  and XXXX  updated their databases, Experian did not. Since I had been an authorized user and was no longer on the account XXXX XXXX could not help me so I had to file a dispute with Experian to fix their data. In the meantime, I had my current credit card with XXXX XXXX on hold because the payment disbursed to pay off my cards as a part of the refinance relied on the data on my credit report. 

In XX/XX/XXXX I started the process for a new home mortgage. I checked my report regularly to see when balance updates posted to my account. I fined a dispute in XXXX because I had paid off a $ XXXX personal loan which has the balance posted on the XXXX of each month but the most recent posting had been XXXX XXXX. My dispute was deleted from the system and my credit report was updated to show that the bank had updated my balance on XXXX XXXX. It took XXXX weeks and a dispute for Experian to post the update from my bank I called Experian on XXXX XXXX because I had XXXX credit cards and XXXX bank loan balance which had not been updated for XXXX. Each of these accounts sends balance updates on the XXXX of each month. I was told my only option was to file a dispute. I explained to the representative from Experian that I was not disputing the balances posted by these companies, I wanted to file a complaint that those balances had still not posted XXXX  days after they had been provided. I continued to receive the run-around telling me my only option, by law, was to dispute the reported balance. I had no means of complaining directly to Experian that it was not the creditors, rather, it was them that was the problem. Submitting a dispute would have halted my ability to complete the home loan. 

Now I am in the position of paying a higher percentage interest rate on my home loan because Experian takes weeks to update the balances provided by creditors. 

When I asked about filing a complaint when I was on the phone I was given a case number. I had no method to reference what was written in the complaint for accuracy and was told to have no expectation that the results would be communicated back to me. I requested an address to file a formal complaint by letter. I was given an address but told that I should not necessarily expect return communication as to the results of the complaint.
Product: Debt collection

In reviewing my credit I found that Diversified Consultants was claiming that I owe {$450.00}, On XX/XX/2020, I mail a letter to them informing them that I am disputing the information and I would like them to send me additional information this alleged debt. After month past, and I did not received a response from them and I sent them a second letter asking them to send me information on this account. I would like to resolve this matter and I have tried to reached out to them on several occasions asking them to verify the information, If they can send me information that this account belongs to me, I would had a problem to set-up a payment arrangement or a settlement. I have reach out to another Debt collectors on a other Item I had on my report and I have received a response from other debt collectors. they send me the information that I requested. A couple days later they provided me with the information, I later called them and set-up a payment plan and the account is now resolve. Since, this attorney/ Debt collector has not been able to send me proof that this is my debit, I have given them a several months to provided verification that the alleged debt is mine. The debt collector continues to ignore my request. I don't know what else to do. I don't want to feel like I am being taken advantage.
Product: Checking or savings account

I can not use my checking account for any transactions. They said I can go to the brach to withdraw cash but thats it. I have asked several times when it would be resolved and what I need to do but they do not give me an answer and just say they are sorry. They said it was a security freeze and they are investigating and they will not know when it will be resolved nor do they know why there is a security freeze. I need to use my bank account in order to conduct my business and survive.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX and I open two savings secured loans with Alliant Credit Union in my name solely. The loans were secured with the funds in my savings account and I was told that in the event the loan defaulted the funds that secured the loan would be utilized to pay off the loans. 

Although the loans were secured one loan shows paid off and the other shows delinquent with the balance fluctuating. The credit profile for this account is missing payment information for certain months. At this juncture, the account has passed the statute of limitations of XXXX  years for the state of Maryland and is uncollectable and it is out pattern that collection efforts were ever made given this was a secured loan.
Product: Debt collection

A man brought a lawsuit notify me that TD Bank USA had filed a lawsuit in XXXX XXXX XXXX for the Ninth in and for XXXX XXXX. I was not contact concerning this issue before XX/XX/XXXX. I attempted to pay Target and notified Target that I had an accident on XX/XX/XXXX. I had no transportation and I still have no transportation. My other XXXX accounts worked a plan of payment except Target. I never received calls from Target I tried just to reach out to Target in XX/XX/XXXX. No response. So I appeal this through the attorney for Plaintiff by fax XX/XX/XXXX. I sent certified Mail tracking # XXXX XXXX, and XXXX and by phone conversation on XX/XX/XXXX I was informed by XXXX XXXX that she could not help because I would NOT give my Social Security or birthday date. XXXX said she could not help. I fax them another letter on XX/XX/XXXX. They Have yet to respond. It is A SCAM. THE TELEPHONE # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXXXXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Feb destiny, has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit report are not mine. I never gave permission for my credit to be ran. This is identity theft! Please remove these Inquiries from my credit profile.It it causing me great distress. The following inquires need to be removed as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX XXXX
Product: Debt collection

I have sent various statements to Columbia Debt Recovery XXXX XXXX XXXX that their collection is or has Wrong billing info. I have also talked to original creditor Baypoint apts and have written proof their billing for items I returned to XXXX ; but never get a response from Columbia Debt Recovery and XXXX apts tells me XXXX previous XXXX XXXX filed this complaint but NO Longer is working for XXXX XXXX. And will no longer discuss this matter. Also Columbia Debt Recovery has billed for additional interest amounts that I believe are illegal? And continue to add additiional charges every month? I'm a XXXX XXXX XXXX XXXX and believe XXXX XXXX does wrongful charges regarding their Lease Agreements. I hope other consumers be aware of renting from this company/
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally submit a complaint regarding inquiries reporting on all 3 credit reports. Which is, " a violation of my rights under the Fair Credit Reporting Act ( FCRA ) '' ]. The actions of XXXX, Equifax and XXXXhave caused me significant harm and appear to be in direct violation of federal consumer protection laws. 


On XXXX, I discovered several unauthorized inquiries, such as errors on a credit report. 
I contacted XXXX, XXXX and Equifax ] on XXXX to resolve this matter but have not received a satisfactory response. 


The action of XXXX, XXXX and Equifax appear to violate the following provisions of federal law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : [ If applicable, cite specific violations, such as failure to investigate a dispute within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), etc. ].

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : [ If applicable, cite specific violations, such as harassment, use of false or misleading representations, etc. ]. 3. Other relevant federal or state laws, if applicable. 

Attempts to Resolve : I have made reasonable efforts to resolve this issue directly with XXXX, XXXX and Equifax. 



: I respectfully request that the CFPB take action to investigate this matter and ensure compliance with applicable consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Kimball , Tirey & St. John LLP sometime in XX/XX/XXXX. I thought it was a scam so I paid no attention to the letter. On Friday XXXX XXXX and notice my credit had dropped drastically. I noticed an account from Kimball , Tirey & St. John LLP that was in collections for the amount of {$11000.00}. I called the credit Bureaus to get more information and they provided me with a phone number to whom is sending me to collections. I called and spoke to the Company above and they mentioned this account is for a rental property located in XXXX XXXX Ca that was leased under my name. The lady mentioned she has a copy of my driver licenses and was very adamant about this account being mine. I advised her this account does not belong to be I have never live in XXXX XXXX Ca. I was born and raised in XXXX XXXX Ca and recently in XXXX I remarried and moved to XXXX  Ca with my husband who owns a house in XXXX  Ca. I have lived here since. I filed a police report with office XXXX XXXX - XXXX ) on XX/XX/XXXX and I'm waiting for a case number. I told the office I wanted to press charges against the person who stole my identity. I provided the officer with a copy of my credit report along with my information. I filed a dispute with Transition on XXXX XXXX, dispute was complete and they said this account belongs to me but that is incorrect this account does not belong to me. Someone stole my identity and used my information to rent this place. Please advice on how to handle this. The las name used hasn't been my last name since my 1st divorce on XX/XX/XXXX, after that I changed my last name to my maiden name being XXXX and I remarried in XX/XX/XXXX and I'am now XXXX. That ID with XXXX last name is in my possession and has a whole on the top corner that the DMV made when I changed my last name. That ID with that last name only one person had a copy of it he is a broker in XXXX XXXX Ca that was helping me get my home at XXXX XXXX XXXX in the year XXXX but I fired him and hire someone else to help me purchase my home. after purchasing my home in XXXX I changed my address to my home address at XXXX XXXX XXXX. Then in XX/XX/XXXX I changed my last name to my maiden name XXXX. Then in XX/XX/XXXX changed my last name to XXXX. Please do some research and find the person liable for this identity theft. Again, I have file a police report and charges against this identity theft. 

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

XXXX XXXX XXXX  is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS. 
XXXX XXXX  Account Number : XXXX XX/XX/year>2020 {$0.00}
Product: Credit card

I applied for the Barclaycard Upromise for the " {$100.00} Bonus After First Use '' and to get a free XXXX score and to have a XXXX. They then sent me a letter ( WEIRDLY, IT WAS A COPY OF A LETTER, NOT AN ORIGINAL LETTER which XXXX always gets from Legitimate companies ) - and I was then asked for an " original bill ''. I sent them an older electric bill, because I do n't get original bills anymore ; it 's all online. But here is my problem : I never heard from them again. This is the second time I have ever had this happen in my life : Barclays and XXXX. 
Is it normal or reasonable, or legal, for a company to collect all of your personal data, and even an original bill and you never hear from them again?? 
1. If I am turned down - despite XXXX debtedness, and no negatives on my XXXX report, then I want a reason, but mainly I want a free copy of the Credit Report from the agency they used. ( Based on research, I think it is XXXX, but I do n't know for sure. ) It feels like a scam. I also suddenly got many XXXX and Phishing Scam emails in my normally pristine Mailbox ; I NEVER get junk, much less XXXX, at that email address anymore. )
Product: Debt collection

I contacted  XXXX   XXXX   XXXX  and wanted to get cable services thru them for  XXXX   XXXX . and I did, but I started to have problems with my tv, enternet, and phone services and this went own fo r two mo, s. I  got so tired of reporting this to   XXXX   XXXX   I finally canceled my services. I was told I was under a contract and I reply ok one that do n't work. they threatened to report me to my credit bureau. I told them find at least I can get some service that works so I did. they reported it to my credit report and stated it was in collections for  XXXX  dollars. date was  XXXX / XXXX /   2017  and I '' ve tried to settle this but they insist I owe them.  XXXX  I do n't think it is fair to pay for something that do n't work. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been excising my right with the 3 credit bureaus ( XXXX, XXXX and Equifax ) they all claim that they've done investigations. The problem with that process, is that they never contacted anyone in my family or any of my neighbors. In XX/XX/2022, I sent letters to the the 3 bureaus about Unauthorized inquiries. They were furnishing on my credit report, XX/XX/2022. The XXXX bureaus got a copy of my complaint that I started with the CFPB, which an investigation was started again. XXXX wasn't furnishing the Information on my credit file, but XXXX and Equifax were. XX/XX/2022, XXXX deleted the inquiries that are in dispute. I have entered them as evidence, I reached back out to Equifax showing them that, XXXX has deleted the same inquiries they are claiming they verified and XXXX hasn't posted at all. These inquiries are hurting my probabilities of obtaining a Loan for my house. XX/XX/2022, I was denied by multiple institutions because of these Unauthorized inquiries. I've done everything Equifax told me to do and still, they are not doing what they are suppose to do by law and delete the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been through soooo many attempts on-line, telephone... 
It won't accept my address even though I received a link today. 
I've been trying to lift a freeze which I put there but they don't seem to recognize me. Even the questions they give make no sense to me. It's as though they are looking for someone else. 
Very frustrated. Just want to open a XXXX w/ my new bank. Plz help unravel their nonsense
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX  LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX/XXXX Transunion 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX XXXX  1.XXXX XXXX XXXX XXXX  2.XXXX/XXXX  3.XXXX  XXXX XXXX ... 
Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...