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

I submitted a dispute XX/XX/XXXX with XXXX  and XXXX, equifax on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXXXXXX XXXX  in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXXXXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current XXXX
Product: Credit reporting or other personal consumer reports

the consumer reporting agencies ; XXXX, XXXX and Equifax have responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. XXXX, XXXX and Equifax Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for XXXX, XXXX and Equifax to verify the collection account information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for XXXX, XXXX and Equifax to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Mortgage

I was order into mediation by the courts with Mr. Cooper XXXX Mortgage Co. ) They RECEIVED ALL DOCUMENTS that was required. The Modifications status would CHANGE or DELAY!! Every attempt to contact Mr. Cooper was meant with NO RETURN CALLS. 
Only to receive a letter dated XX/XX/21 That they could not completed or give me a Modifications due to paperwork was not given ON-TIME. 
This is BOGUS/FRAUD..
Product: Student loan

Navient has been encouraging me for years to continuously go into forebearance during hardships rather than offering any interest rate or plan, bad advice thats added thousands of dollars onto my debt. I feel they have misled me and even denied to share about any options I had.
Product: Debt collection

In XXXX I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute with all three bureaus and I have not received any investigation results.
Product: Credit card

Please refer my previous CFPB complaint # XXXX Till now, this issue is not straightened. 
I can not see the full balance. I can not make the payments. I can not setup automated payments. 
Even my {$750.00} cash back bonus is missing which us bank is stating got deposited on XXXX XX/XX/year>. 

What's going on? 

why this credit card is so so complex? 
Why this company US bank simply don't close their operations and outsource the work to somebody who is capable enough?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/16 I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records
Product: Debt collection

I receive several automated phone calls a week from Enhanced Recovery debt collectors. They do not name the person who owes the money. I do not have any overdue debts.
Product: Credit reporting or other personal consumer reports

I have Bankruptcies reporting on all three of the major credit reporting agencies, XXXX, XXXX and XXXX. I reached out to the Bankruptcy provider for all three major credit reporting agencies which is LexisNexis about information in my file, LexisNexis sent me a letter detailing NO BANKRUPTCIES EXIST FOR ME AND THE INFORMATION WAS PROVIDED BY PACER. As of today ( XX/XX/year> ) all three major credit reporting agencies are telling me Bankruptcy information is being provided by LexisNexis. Information also is not provided by the BANKRUPTCY COURTS.I have include the documents below.
Product: Credit card or prepaid card

I was e-mailed a promotion on approximately XX/XX/23 from Applecard that said, " sign up for an Applecard, spend {$1000.00} within 90 days, and then receive {$150.00}. '' I signed up for their card through the e-mail they sent to me around XX/XX/23. I was immediately approved that night through their e-mail link. A couple days later I got another e-mail stating my physical card was on its way. 
I received the Applecard and spent the required {$1000.00} within 60 days. I then expected to see the {$150.00} cash back offer credited to my account after I paid off my bill. When it was not, I e-mailed them and then called Goldman Sachs. First they told me they would take care of the problem in two days, then 14 days, each time nothing was resolved. 
Now the latest is they want me to reproduce the original e-mail that they sent to me before they will credit my {$150.00}. 
Nowhere I was told that I needed to save this original e-mail and that I would be required to reproduce it as proof for my credit. My Apple e-mails automatically delete in my account after 30 days and this request makes absolutely no sense to me at all? I heard about the offer and applied for the credit card through their e-mail in the first place. I deleted it because I was already approved for the card. 
The only e-mail I could come up with is the one they sent me a couple of days saying my physical card was on its way. 
I have contacted Applecard several times and it has gotten more frustrating each time. I have talked to multiple managers who truly understand my situation, but have done nothing solve the problem. The people at Applecard clearly know the dates this promotion was going on and that I held up my end of the agreement within the required time frame. 
I have contacted my State Attorney General Office, who passed it to the Federal Reserve Consumer Help, who have recommended that I contact you. 
I really hope no one else is dealing with Applecard 's fraudulent and deceptive practices.
Product: Money transfer, virtual currency, or money service

3 years ago I tried to send money to my stylist but her phone number was off by a number and when the money was send and she didnt receive it, I called my bank ( XXXX ) and they told me there was nothing they could do. I lost {$200.00}.
Product: Debt collection

There's medical bills on my credit and I never received any bills for any rights about notification or anything about that I had record of medical bills on my credit report until I ran it I was never aware of it I had full coverage insurance I would have took care of it and even when I now send in paperwork proving it and also showing proof that I've never received any letters at all these companies still do not want to assist me by removing them from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$22.00}
Product: Credit card or prepaid card

Capital One is in violation of the Fair Credit Reporting Act because they are reporting inaccurate information on my credit report that they said they verified as accurate after my first CFPB complaint, no XXXX. On XX/XX/XXXX, XXXX XXXX said that he verified my credit report was being reported as 30 days past due for XX/XX/XXXX. Well I just looked at my credit report again and it shows that I was 30 days past due in XX/XX/XXXX on XXXX and 30 days past due in XX/XX/XXXX. And XXXX is n't even reporting the account. I know for a fact that I was not late in XX/XX/XXXX and XXXX XXXX even confirmed that I was late in XX/XX/XXXX and said he could n't modify the late payment. Well now that inaccurate information is being reported after you verified it as accurate, I am entitled to {$1000.00} per the Fair Credit Reporting Act and even more if I were to hire an FCRA attorney to help me. Now the last thing I want to do is keep dragging this out any more than we have to. Clearly when I made my payment I was not aware that it was returned and made my payment right away. But the fact that you are reporting me late in two months is not right. I attached a copy of my credit report which shows how Capital One is being reported so you can see I am not lying.
Product: Credit reporting or other personal consumer reports

I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of ASMHER COLLECTION SERVICES reporting to my consumer report.
Product: Debt collection

I.Q. Data XXXX XXXX XXXX ( a debt collector ) is claiming that I have a debt of " {$18000.00} '' owed to an apartment complex by the name of " XXXX XXXX XXXX '' in XXXX, NV. I have never lived at this unfamiliar complex. I also noticed how there is an unfamiliar person who also shares this debt. I will not disclose the name of this individual. However, after doing more research on this person, this person appears to be deceased now. This debt does not belong to me, and I suspect identity theft could have been in place. I wished I could have noticed this much sooner. So therefore, I refuse to pay debt to an unknown place I've never been tied to nor to someone who is probably dead.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has suffered sever damage due to Transunion negligence, with respect to the FCRA and fdcpa. Transunion Report Number dated generate XX/XX/2023 You are furnishing two inaccurate and fraudulent accounts on my credit file along with an unauthorized credit inquiry from XXXX  XXXX XXXX. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 



As Transunion conducts their investigation, I expect Trasunion to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an 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
Product: Credit card

I requested that my credit card be closed on XX/XX/2023. It was not closed at the time of request. The principal balance was paid-off and the dormant account continues to add fees and interest totaling {$280.00} ( as of today XX/XX/2023 ). 

Update ( CFPB does not permit updates on a complaint, can only close a complaint and open a new one ( option presented by CFPB ) : After my initial complaint ( XXXXXXXX XXXX XXXX XXXX, the next day ( XX/XX/2023 ) I received an email notice that my account was close to being charged-off. 

Another interesting note, defendant shows that my account was in collections on XX/XX/2023 ( one day after I requested to close it ) even though over-minimum payments were being made to pay-off the balance. It was paid-off. The reason I closed it was to no longer use it to charge transactions. 

I am XXXX XXXX XXXXXXXX XXXX. 

Further updates will be provided via closing a complaint and opening a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIL TO PROVIDE HOW THEY VERIFIED DISPUTES WITHOUT PHYSICAL PROOF OF WET SIGNATURES.
Product: Debt collection

The company that purchased a collection debt from the credit card company mailed a notice to me with a post mark date of XX/XX/2021, giving me 30 days to respond to the notice to discuss my account. Before I had a chance to respond to them, they filed a lawsuit against me. The notice of the lawsuit was postmarked XX/XX/2021, only 15 days from the first notice that they sent to me, which is less than the 30 days given on the notice and I believe required by law. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX  due : {$1300.00}
Product: Credit card or prepaid card

I was paying off my credit card with XXXX Bank. I called XXXX for my account number because I was paying it off with my online XXXX with XXXX XXXX and XXXX. I sent them XXXX to pay my card off on XXXX/XXXX/XXXX and it went to XXXX on XXXX/XXXX/XXXX. I started getting phone calls about being past due. Now they 're telling me that the account number that THEY gave me was for a paid off loan and they have no idea where my XXXX  went. XXXX XXXX has given XXXX the Credit Trace number, the File Trace number and the date that they received my XXXX} and XXXX keeps telling me that they lost the XXXX} and that I have to file a dispute with XXXX XXXX. I do n't have a dispute with XXXX XXXX, I have a dispute with XXXX Bank. An employee of XXXX is now telling me that I owe hundreds of dollars in late fees and that it 's not their fault that they gave me the wrong account number when I called back in XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I went to XXXX XXXX XXXX XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. XXXX XXXX, Stellantis Financial and XXXX XXXX also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other XXXX banks. I got a letter from the dealership but when I contacted XXXX, Stellantis and XXXX they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( XXXX, Stellantis XXXX XXXX ). I contacted all XXXX banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you
Product: Debt collection

I have never received any written notification about this debt. This should not be on my credit report because I have not have not had a chance to validate the debt. This item needs to be removed from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

There was a fraudulent car loan opened in my name with a stolen ID which I sent over to XXXX XXXX along with a photo of my authentic WA state photo ID. After opening an intial case with the fraud department, they went totally dark on me. I have no idea what the status is or when they will correct this.
Product: Bank account or service

We have several accounts at KeyBank. Someone did an online transaction and took a total of {$1000.00} from XXXX of our accounts and created a new account and put the {$1000.00} in the account that they made up and then took the money. We contacted the bank immediately. We were told that it looked like someone within the bank was internally moving money and it should be just fine. It never was fine. We have spoke to the Branch Manager and the Fraud Management in New York and we have been told that the fraud department investigated and it could not help us with anymore assistance. The letter stated that we would not be getting a return of our {$1000.00}. Please help us. This money is to pay for my real estate taxes and home owners insurance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of an law set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and Transunion ) if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Westlake financial received a payment and then showed up to repossess our vehicle after the payment was made. I was told that they would be taking care of the repossession and fees. Later, they put a rendered repo on my credit. I called the company for a year and finally talked to their head of legal. He informed me it would be taken care of. I then received an email stating that they would be removing the repo from mine and my husbands credit and it would be complete by XX/XX/XXXX. It still remains. I have sent multiple letters, called the company MANY times, sent letters to the credit bureaus and called the credit bureaus and still nothing has been done.