23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have filed XXXX disputes with Equifax within the past 90 days for a negative account that is listed twice on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on XXXX of these accounts. Equifax supposedly has verified that the account information is correct and XXXX accounts still remain on my credit report. This is inaccurate information and I do n't understand how it can be verified as correct TWICE when it is obviously incorrect! How can I get this removed if Equifax claims that the accounts are verified and accurate? 
***Also, I had the exact same problem/issue with my XXXX credit report. I filed a complaint with CFPB last month ( case # XXXX ) and XXXX FINALLY agreed that there was a duplicate negative account listed on my credit report. They agreed to remove on of the accounts. Thank you so much CFPB for all of your help and, hopefully, I will have the same positive outcome with Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX doesn't have a signed contract and no identification XXXX XXXX XXXX XXXX has been reporting false information on my credit report. The account associated with XXXX XXXX is a fraudulent account and has been closed for several months. Some how XXXX XXXX is still adding monthly late payments to my credit History as if the account is open and active when the account has been closed for several months. This is a violation and should not be allowed.
Product: Debt collection

Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) Asset Acceptance who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names XXXX XXXX XXXXXXXX. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a Asset Acceptance/XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that Asset Acceptance never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me Asset Acceptance contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay Asset Acceptance and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.
Product: Credit reporting or other personal consumer reports

Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit report.
Product: Credit card

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. 
I 'm planning to apply for a mortgage loan and it 's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment fees. 
Thank you for your consideration, and I hope you 'll approve my request. 
Best, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Transunion requesting that they remove inaccurate credit information from my credit report. In that letter I specifically requested that XXXX XXXX and XXXX XXXX be removed from my credit file. These two accounts are currently reporting a " XXXX Offs '' Tranunion followed up stating that the inccurate information was verified as accurate. I sent another letter XX/XX/XXXX asking that the information be removed and I recieved a response back stating account information is accurate dated XXXX. I sent another letter XXXX asking for method of verification and I recieved letter date XXXX which was a stall tactic letter stating that I didn't appear that I actually sent this letter as if a credit repair company sent the letter which is inaccurate. Transunion as violated the following laws and has caused me damages as a result to inaccruate reporting. Transunion has violated federal law under FCRA. 15USC1681 602 ( A ) 15USC1681 604 ( A ) section 2 15USC1681 ( s ) 2. A Charge Off, according to the IRS, The IRS considers any canceled or forgiven debt as income. 26 CFR 1.61 Gross income can not be reported on my consumer file only debt. A charge off means that both XXXX XXXX and XXXX XXXX filed these accounts as a loss with the IRS, therefore these tradeline need to be removed from my file which Transunion has failed to do so after multiple request.
Product: Credit card or prepaid card

I called on or around XX/XX/2019 to close out my BestBuy credit card. I did not authorize the closing out of the account. 
I wanted to get a replacement card. Instead my entire account was cancelled. When I called to ask them to send me a new card I was told they would have to replay the recording of the original phone conversation. I made a follow up call after 7 days. When I spoke with them I was told they couldnt pull the original call and therefore would not reinstate my account. This leaves me with no option but to reach out for the help of CFPB.
Product: Credit card

Hi my name is XXXX XXXX, I had filed a previous complaint against capital one credit cards, however I have given them enough time to adjust the fradulent charges on my credit cards, however they did make a few adjustments on XXXX of the credit cards, but failed to do so on the other card, I contacted Capital One Fraud team and asked tgem to mail me out copies of all charges from credit card statements, however they did so on XXXX of the credit cards, and I found numerous of fradulent charges on that card alone, that I was unaware of, I called the fraud team at capital one to report these fradulent charges, and they never responded back to me, nor gave me a credit for all of the fradulent charges that I reported. Might I add I called Capital One Fraud team numerous of times, and they really do n't care, I also explained that I am a XXXX person, XXXX to make any out of state purchases, but they still are refusing to issue me credit, I am tired of paying them for charges that I did n't make, also on the credit that they issued on the XXXX card, they recalled some of it back, and they would never mail me a full statement on the card ending in XXXX, I would be happy to mail you all the fradulent charges that they are making me pay for.I will contact a lawyer if it 's not resolved in a timely manner.I have already given capital one months to investigate this matter, but still no response, I called oneday and asked for a supervisor on account ending in XXXX, and he refused to help me, and informed me that was n't his problem. But they are advertising XXXX fraud on fradulent charges, not true, capital one has treated me like a criminal, and has no respect for their customers, these fradulent charges has been going on since capital one issued these XXXX cards through regular mail, since I have filed a previous complaint with CFPB, capital one changed my credit cards, and now both cards has a security chip, and I have not had any fradulent charges since. But once again I have given capital one enough time to correct these fradulent charges
Product: Debt collection

Company is calling nonstop from business and restricted numbers. Tried calling to see why and was told well we probably arent the only debt collectors calling you, we do nothing to violate your rights
Product: Credit reporting, credit repair services, or other personal consumer reports

account information is not accurate with XXXX XXXX XXXX # XXXX this account is not 30 days late and hs never been they should have received communication from XXXX XXXX regarding this matter account has on tie payment the 30 day ate is not correct XXXX XXXX will verify this information is not correct I have a deferal in place payments are currant
Product: Credit card or prepaid card

When trying to resolve my previous complaint, the customer service agent was not helpful. They called me, but just to immediately say there was nothing that Wells Fargo did wrong on their end. The agent 's inflammatory tone combined with a mocking : " I'm sorry you feel that way '' indicated that they were not willing to listen, empathize with the situation, and help resolve in any capacity. Wells Fargo is the worst bank I have ever banked with.
Product: Credit card

I am XXXX XXXX XXXX XXXX and I have applied to use my XXXX benefits on my American Express credit card. They said I do not qualify however, my husbands account qualified and our XXXX XXXX start date is the same, and so is the date we opened our cards. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle XX/XX/2019 with a monthly payment of about {$650.00}. A few months in I have called for a deferment because I lost my job at the time. Unfortunately I didn't keep names or dates, but it was a fairly simple call the person had me on hold to take notes and said your payments are deferred. A couple of months later I checked my credit and saw it was not being reported until the summer. Then I saw late payments on my account and when I called I was told they don't offer deferments and that my car was in a repo status. I had to make payment plans of over XXXX a month include multiple late fees and though at the time I just started a new job I could not afford the payments. They tried to even put me on a payment Plan XXXX, and when I made these payments, credit acceptance kept putting me late every month because I could not make up for the balance of prior months. The payment needed to be paid in full or I would not get an on time payment I contacted my local XXXX XXXX XXXX and was lucky enough to refinance and was told I can dispute those late payments and I have tried by sending bank statements, I've tried with XXXX XXXX XXXX, and XXXX. I remember a phone call I had with someone at corporate and they told me sorry for the misinformation but there is nothing I can do for you. 

There are 8 late payments at over 120 days reported, this doesn't represent me as a creditor. I have a current car loan, no late payments and a car loan prior to Credit acceptance no late payments. 

They dont allow customers to listen to the recorded calls, They dont allow late payments removal though other companies do especially when they understand if the customer usually pays on time and the car was refinance paid in full. This has affected my life in such an negative way. Not being able to get the apartment or credit card or even a new car on my own. 

I was paying XXXX for a car that was purchased for a bout XXXX more than double I was paying. I also purchased the care XX/XX/2019 and made the first payments at the XXXX but on the statement it says its started XX/XX/2019. I emailed the CEO and he sent me to a department that works this. And you cant called them, they call you. I know there is a law suit against them I wasn't to take them off my report. This is abuse they took advantage of people that needed help. I lost my job because I didn't have a car.
Product: Debt collection

A company by the name of convergent outsourcing Inc . Contacted me via postal mail a few months ago saying that I owe them {$1000.00}. They claim it to be A debt from XXXX XXXX then in the very beginning of XX/XX/2020 I wrote to them asking them to validate this alleged debt. What What they sent in reply to my request by no means meets legal debt validation. All it is is a typed up document done on a computer with a list of transactions and the name and date on the top. This by no means validates this as being mine. if you do a XXXX search with my name well over 50 people come up in the US alone with the exact same name as me. So it could be anyone of those people that share the same name as I, that owe this alleged debt, but its not me that does! It scary how a debt collector can just randomly come after a person for a debt that they dont owe simply because they share the same name as the person who does. So if Im not mistaken I believe there are laws that protect consumers from this sort of thing, and thats why the debt collector has to validate with personal, identifiable information thats indisputable as to who the debt belongs to.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Product: Credit card or prepaid card

XX/XX/ noticed fraudulent charges on my brand new credit card from Aspire. I immediately commenced an online chat, explained which charges and request my card to be cancelled and a new one to be issued. The online chat acknowledged ( I have screenshots of same ) and issued new card. Online chat advised for me to contact the fraud department at XXXX. I immediately started to try and call. I have all records of the two dozen calls I have made and was instructed to leave a voicemail and never received a call back. I finally connected to a representative who then emailed me a fraud form to complete. I completed/complied and emailed it back immediately on XXXX I received a subsuqent email again asking me to call the fraud department. I have called several times a day, to no avail. I sent a certified letter to them on XX/XX/ which was received by Aspire on XX/XX/. To date, the charges are remaining on my NEW account with no return calls or emails or a provisional credit issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I noticed XXXX XXXXXXXX XXXX performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX and Office Of The Attorney General. I already had an account with XXXX XXXX XXXX that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of XXXX XXXX XXXX contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from XXXX XXXX that they have requested the inquiry be removed. I spoke with a representative at Equifax on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,
Product: Student loan

I only attended XXXX XXXX for two semesters. They were somehow able to obtain acess to every single federal loan and grant i was capable of recieving. Ultimately cashing them all in for roughly {$25000.00} in just six weeks. Deposited it into their school account. i saw none of it. Then after leaving i was current on my payments until i had six different accounts. And every year my refund check is taken but nobody has the common decency to say why or send me a reciept for which outstanding account it went toward? You think im some kind of fool? My father didnt raise me to be a pushover and get hustled. We earn what we get. We dont just collect or inhereit a secret hedge fund from grandpa XXXX from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TRANSUNION letting them know that they were reporting false information on my credit report and they refused to delete the items in violation of the FCRA and in violation of requisite XXXX Compliant reporting standards. They are listing collection accounts as being open and also a Past due balance. According to the FCRA I have a right to a completely accurate credit report and are required to remove any information that is not true, verifiable and accurate. The following accounts are being illegally reported : 1 : XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$62.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you, seeking an investigation into material that I felt to be fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting

With regard to the XXXX XXXX XXXX, I secured confirmation that my tax lien with IRS was satisfied in XXXX. I disputed the lien report with Equifax in XXXX XXXX and again shortly thereafter as they claimed not to have proper identification information. I requested that the tax lien for {$9100.00} in the Public Record section of my Equifax Credit Report be removed and provided a copy of the Certificate of Release of Federal Tax Lien. Equifax will not remove the lien entry from my credit record. I would appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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