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

I'm having difficulty when I contact the RENTCOVER SOLUTIONS at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. 
I also had contact the XXXX credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to XXXX XXXX XXXX as XXXX demands it in order to resolve the issue on my credit report The XXXX will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from XXXX after uploading the court report paper. 
I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in XXXX or the collection agency after sending all the information requested, via mail or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX  XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

Navient must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX
Product: Credit reporting

This complaint is reference to CFPB case # XXXX. Equifax is using stall tactics to correct the errors on my credit report. Please see the attached documents from Equifax that this attached to case # XXXX, which shows XXXX XXXX # XXXX was removed from my account. Now why do I need to wait 30 days from them to reinvestigate when it 's showing there document with the report number # XXXX. Also, the XXXX account is reporting late and the account is closed, plus over the status of limitation. Equifax is changing the dates.
Product: Debt collection

XXXX A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX  with an account number they also called a member in my household their cell number which I have no clue how they would even get that number it has nothing to do with me. I want ugly this was right after I did my census I truly hope that is not the case. A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX with an account number they also called a member in my household on their cell number which I have no clue how they would even get that number it has nothing to do with me. Ironically this was right after I did my census. I truly hope that is not the case case. When I found out they called someone in my household on their cell not knowing how on earth they couldve got that number so I contacted them immediately and they would not give me any information a woman answered who sounded very unprofessional when I wanted information as to what it was in reference to she wanted personal information first to verify myself when I asked her why she called somebody else on their cell phone and how they got that number, she hung up on me its a recorded line so if someone gets access to that that can be proved. The phone number listed did not match the phone number for the company website.Im on my XXXX  once a week I have no collections I never received a collection notice letter Im very confused to all of this and its very unsettling. Im in hopes protecting myself as a citizen will help me I have that right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first inquired about my credit score XX/XX/XXXX after my 3 day trial which was advertised for free charged my XXXX account for a XXXX and then on the XXXX I was charged {$29.00} for a full month membership. I went through the web page to cancel subscription and thought it was taken care of but I was again charged on XX/XX/23 again for a monthly subscription. I then contacted them by phone to cancel the subscription. I did get it refunded but when I notified XXXX, they are investigating and now are claiming that they are going to deny the charges for XX/XX/23. I live on a fixed income otherwise I wouldnt have signed up for this. I saw that they were going to charge a XXXX. I let it go. I didnt think that I would still be dealing with this again in XXXX. I hope they are under investigation again for fraud. I cant afford to keep contacting XXXX or XXXX to resolve this.
Product: Debt collection

Diversified ADJ SVC balance {$1300.00} Opened XX/XX/XXXX I have no knowledge of this Account This closed accounts, I have no knowledge of XXXX XXXXo {$920.00} XXXXXXXX XXXX {$430.00} XXXXXXXX XXXX {$580.00} XXXX  {$130.00} XXXX  {$65.00} These accounts are hindering my credit file. Please remove.
Product: Credit reporting or other personal consumer reports

Inquiry was submitted that I did not complete on my credit report
Product: Credit card or prepaid card

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance {$84.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I purchased a XXXX XXXX Money Order from XXXX for {$260.00} to make a payment on My Car Loan with XXXX XXXX XXXX XXXX. The payment never was Credited to my Loan Account. I went to XXXX XXXX and they performed a Search for the payment in their system and could not find it. They told me to contact XXXX XXXX and find out who XXXX XXXX   paid for the Money Order and XXXX XXXX said it was Regions Bank. I went to Regions Bank and they told me they can't search their records for it due to the Privacy Act. I asked XXXX XXXX to contact Regions, one financial institution to another to help me get the money back. XXXX XXXX said Regions would not help them. I filed complaints with FL Atty General against XXXX XXXX and Regions Bank. They sent it to the FL Office of Financial Regulation. The OFR said they could not help me on the Complaint against XXXX XXXX. I asked about the Complaint Against Regions Bank and the referred me to you. Please see all my attached correspondence and the actual Money Order in question for {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that the credit reporting agencies are breaking the law. By not excluding negative information, and transaction history. These are excluded according to Law. My complaints, against XXXX, Equifax, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify the following accounts, I need this to be investigated and fixed immediately. 

This is a duplicate account PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

I was contacted via phone by Frost Bank on XX/XX/2023. The agent stated she was calling me to let me know that someone opened XXXX online checking accounts using my information on XX/XX/2023. I verified that I had not opened those accounts and she responded that she would close them out and that I should file a report with FTC.GOV to report this issue. 
I have not lost any personal information to my knowledge such as a wallet or ID, credit or debit cards. 
Nothing suspicious has happened under my bank account or any of my credit cards that I am aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my transunion report from XXXX XXXX  and XXXX XXXX that I did not authorize. They are reported on XX/XX/XXXX. I also have inquiries from XXXX on my report that I did not authorize on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : Here are the companies and dates of occurrences : Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out the the all three major credit bureaus. I requested they remove the balance off a credit card I was added to as a Authorized User. They investigated and verified the account was accurate. The issue is that since I am a authorized user I am not responsible for any debt obtained. the account was closed but the balance has yet to be remove. 
in accordance with the FCRA, the creditor and the credit bureaus have violated my rights under 15 U.S.C. 1681a sec 603. states only information on credit issued to a consumer is allowed 15 U.S.C. 1681a sec 604 A sec 2. States a consumer reporting agency can not furnish an account without proper written consent 15 U.S.C. 1681a sec 602A. states i have the right to privacy
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I requested information from my bank, E*Trade Bank , regarding a wire transfer from a XXXX company as part of a travel reimbursement for US {$1200.00}. Using their chat function online the agent provided me wire transfer instructions ( transcript attached ). After waiting approximately 2 weeks without receiving the funds I contacted E*Trade and was told that their agent had given me the wrong information for the transfer and that there was nothing they could do. 
I then contacted the vendor in XXXX. Their bank, XXXX XXXX XXXX XXXX, indicated that the wire transfer had been accepted by XXXX XXXX, the bank that acts as intermediary for E*Trade on wire transfers. The vendor eventually had their bank run a trace on the transfer but evidently XXXX XXXX would not respond ( information attached ). My vendor had XXXX XXXX XXXX XXXX run the trace a second time with the same result. 
All of this back and forth has taken several months. Neither E*TradXXXX nor XXXX XXXX will accept any responsibility.
Product: Debt collection

I was informed via recorded phone call that if I paid {$20.00} a month until entire balance was paid, my credit would not be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to obtain my credit report from Equifax since XX/XX/2022. When trying to retrieve and update it continues to say I have a blank file, and nothing is there. When I called Equifax, they asked me questions to verify my identity based on my Equifax history. When the customer service rep tried pulling my credit report, it said blank as well. They told me they will put a ticket in, and I will get an email in 72hrs when the glitch is fixed. Nothing has changed. I called again, and same thing. They will put in a ticket. Here it is months later, and still a blank file. I have multiple loans that have been reporting, and I just want to be able to pull my credit on my own again and apply for a loan without these ridiculous issues.
Product: Checking or savings account

Starting approx XXXX of XX/XX/XXXX to XX/XX/XXXX, I have received several small charges from two unrecognizable online sources. These sources were " XXXX XXXX '' and " XXXX '' These charges were numerous and for generally small amounts, {$25.00} or less, spread out over 4-5 months. I contacted Bank of America to report the issue and file a claim/dispute for the total amount of {$480.00}. 

I received communication from BoA that the claim was denied. When I called them to verify and escalate the issue, the representative stated all I needed to do was fax them a request to reopen the claim and call back to ensure the fax was received. 

I called back BoA on XX/XX/XXXX to see what the status of the re-opened claim was, and was informed the claim was denied and that it was denied because the charges were reported too late. I informed the agent that I explained the situation to the original agent when filing the claim, that due to the relatively small amounts being charged, I did not notice. The agent stated that I logged into mobile banking several hundred times and that I should have noticed with the implication that this was my fault. She stated that I needed to file a police report, which I have done.
Product: Debt collection

i sent a debt validation to jefferson capital on XXXX XXXX 2016, its been over 30 days and i have not received any documents about the account, this is violation of fdcpa i want this deleted from my credit file
Product: Mortgage

I reported retaliation, a fraudulent website and cyber interference, to the company on XX/XX/XXXX. I requested call transcripts on XX/XX/XXXX. 

See summary of report below : XXXX  XXXX Website : Most recently on XX/XX/XXXX, I was directed to the loan service portal by one of the representatives. 

A web address mimicking the portal XXXX XXXX ) initialized an auto-forward to an external website with job postings. 

It is evident that this web address is being used to defraud and potentially collect personal and financial information customers. 

Please see attached photos. 

2Interruption of calls : The last 3-4 outreach attempts have involved several call interruptions on the dates XXXX ( approx. ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

3Interruption of payments via online portal and phone : Interruptions making payments via online portaXXXX XXXX in XX/XX/year>. 

XXXX On XX/XX/XXXX, the company notified me that the reported website did not belong to the company. They also stated that they could not provide the call transcripts.
Product: Credit reporting or other personal consumer reports

I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are incorrect.
Product: Checking or savings account

On XX/XX/2021 I reviewed my XXXX XXXXXXXX XXXX Checking Account. Only to find two counts of Unauthorized Demand Draft. I contacted the bank fraud unit asap. I placed a stop on the demand draft, due to both where unauthorized and ordered a new debit card. The bank has filed the claim under, claim # XXXX. I then contacted the local XXXX SC Sheriff 's Department and filed a report Case # XXXX. Then I contacted XXXX and XXXX XXXX office of the South Carolina Attorney General 's Office. I was told The South Carolina Attorney General 's Office couldn't help. And I should contact, The United States Attorney General 's Office - District of Columbia. I'm sure you understand bank fraud and unauthorized demand draft fraud is a Federal Crime, I would like to seek criminal charges. Unfortunately the bank paid both illegal drafts, I have no clue who they are, but they used PayPal to draft my account. The purchase ID # 's are on my statement and also filed with the Fraud unit & local law enforcement. I would like to seek criminal charges. FDIC bank 's should have more task force law enforcement. XX/XX/2021 PayPal XXXX XXXX drafted {$5.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXXXXXX XXXX XXXXXXXX drafted {$20.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXX XXXX XXXXXXXX tried to draft {$20.00}. All three counts are Unauthorized Demand Draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report regarding a fraudulent account on my credit. 

XXXX & Transunion : XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX results that I was in hospital and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payments for Account Ending in XXXX Dear CFPB, I am submitting this formal complaint against TransUnion for failing to correct inaccurate late payment information reported on my credit file for CRB Sunlight account ending in XXXX. ** Despite submitting multiple disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has neither corrected the errors nor provided sufficient justification for maintaining these inaccuracies. This negligence is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable consumer protection laws. 
Errors and Discrepancies in Reporting TransUnion reported the following inaccurate late payments : 30 days late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late : XX/XX/XXXX However, XXXX reported no late payments, and XXXX failed to report any data for this account. These discrepancies clearly demonstrate that the reported information is inconsistent and inaccurate, significantly harming my credit profile and financial standing. 
Relevant Account Details Account Number : XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Violations of Consumer Protection Laws FCRA Violations 15 U.S.C. 1681i : TransUnion has failed to conduct a reasonable investigation into my disputes and ensure the accuracy of the information reported.

15 U.S.C. 1681e ( b ) : TransUnion is required to maintain procedures to ensure maximum possible accuracy, which it has failed to do in this case.

TILA Violations 15 U.S.C. 1666b : Creditors are obligated to provide periodic statements at least 21 days before a payment is due. The reported late payments indicate a failure to comply with this requirement, suggesting a lack of timely notice.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes creditors ' responsibility to provide accurate and timely statements to consumers, which has been disregarded in this instance.

Impact on My Credit and Financial Well-Being The inaccurate late payment reporting has negatively impacted my creditworthiness, leading to unfair penalties and potential denials of credit. These errors are not only unjust but also a violation of my federally protected consumer rights.

Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the corrections once completed. 
If this issue is not resolved promptly, I will have no choice but to escalate this complaint further by seeking legal action and filing additional grievances with other regulatory agencies. 
Thank you for addressing this urgent matter. Should you require further information or documentation, I am available to assist promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The representative has been calling me after I told him not to contact me anymore. I told him that the debt was invalid. Sent him proof via email and he repeatedly calls me. He even is calling at XXXX and XXXX. I have sent numerous emails to him to stop contacting me and he won't stop.
Product: Credit reporting or other personal consumer reports

Follow-Up on CFPB Complaint XXXX As I have already brought this matter to your attention, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. 
Emotional distress : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 

In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : XXXX. Immediate removal of the inaccurate information that your company is reporting to my credit. 
XXXX. If you do not remove these accounts, I will be forced to sue for compensation of damages. 

Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary. 

Estoppel by Silence : Your failure to respond or act within the required timeframe reinforces your noncompliance.