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

On XX/XX/XXXX, I attempted to secure a loan with my XXXX XXXX XXXX XXXX ( XXXX ), whom I've been banking with for well over 20 years, and have secured two separate loans between XXXX - XXXX which have been completely paid off years ago. 

After submitting my loan application via the telephone, I was informed that EQUIFAX has a freeze on my credit information, so my loan was denied. Naturally by having a hard inquiry done, my current credit score dropped approximately 40 points. 
The XXXX Representative, provided me with EQUIFAX 's phone number, and suggested I contact them to find out why there was or is a freeze on my account, which I did. 

I called EQUIFAX, and found out that somehow, they had me listed with the incorrect date of birth, and my name was missing my middle initial. After a short tirade by me over how that could be, when I've already have secured two different loans, and received a credit card all within the past 10 years, that all of a sudden, my personal information appears wrong in their system, which is negatively affecting my ability to receive any future loans. 

The gentleman i spoke with, stated that he was correcting the DOB information as we spoke, and that if I wanted to have corrections made to how my name appears, that I would need to send them copies of my DMV license and social security card information. ( I'm not comfortable sending that type of information about myself whether it's by FAX, or US Postal Service ) I was given a confirmation number from EQUIFAX ( XXXX ), and was told or assured that it was done and that I should have no further issues, and that my credit report had no freeze attached to it, and that I should reapply for the loan, with better results. 

I contacted XXXX again on XX/XX/XXXX, about 5 minuets after speaking with EQUIFAX, and informed them what the problems were, and they shaoud be fixed at that time. Another loan application was done, and another hard inquiry was done, and around XXXX XXXX, XXXX XX/XX/XXXX being that I wasn't notified earlier about my loan status, I was told that there was still a freeze on my credit from EQUIFAX, so my loan was again denied.. 

Obviously, I'm not happy about any of this, and I need help in getting this rectified. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Midland Credit calls my mother and leaves threatening messages on n the phone. They refuse to acknowledge that one of the bills were settled with the money order that was sent via certified mail to their company and threaten lawsuits and I told them to go ahead because they'd be paying me for violations of 15 USC 1681 and 1692. They try to collect for way more than is owed and this is an abusive practice.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIO XXXX
Product: Debt collection

I contacted the company Lvnv to verify debt, after a balance of {$400.00} was reported to XXXX and XXXX the debt was there after, it was deleted from XXXX. Since it has yet to be verified I still have not been contacted from the company LVNV. While they are still reporting this debt and I sent them verification letter over 2 months ago.
Product: Money transfer, virtual currency, or money service

I was lending XXXX dollars to a vendor and wanted to do a transfer for friends and family but I put gifts and services on PayPal. I wanted to know if I can retrieve the money back. 

This occured on XX/XX/XXXX on my PayPal account : XXXX XXXX
Product: Debt collection

They contacted me and identified the debt amounting to {$170.00} and I never received information to verify and validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 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 a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

My wife and I have an account with Capitol One. Recently we are receiving unknown -- caller ID number calls ... XXXX. A recording states to call Capitol One. No names or reason. When called, was told wifes account was late. We said OK, but stop the collection calls. Capitol One refused to stop calls till account is current. These calls start around XXXX XXXX till XXXX XXXX. Weekends and holidays when their office is closed. This harressment will NOT help our finances pay faster, and only adds to our frustration.
Product: Credit card

A SO CALLED MANAGER XXXX IS UNABLE TO FIX THE ISSUE. SHE VERIFIED WITH ME ON THE PHONE THAT I QUALIFIED FOR XXXX XXXX} bonus I met the requirements but she still unable to issue the XXXX} bonus she needs to refer to other dept. WHAT TUPE OF XXXX XXXX IS CAPITAL ONE that cant resolve an issue in 1 call Ive made 4 calls so far and nothing is resolved. 
I spent hours tryin to resolve a company issue And my issue still unresolved. 
This company is being fraudulent having false advertising and needs to be investigated
Product: Debt collection

I obtained a Timeshare from the XXXX XXXX in XXXX XXXX XXXX, XXXX in XX/XX/XXXX and was told that if the time share was not being used I could sale or rent my timeshare at any time. Fast forward after many payments to XX/XX/XXXX when a " legitimate '' law firm and buyer ( XXXX ) attempted to purchase the time share with full represented documents and personal information from the XXXX XXXX. The so called purchase included falsifying the XXXX  in XXXX, multiple banks in the USA and XXXX, and a Law Firm ( XXXX XXXX XXXX ) in New York that turned out to be the main creator and perpetrator in this highly organized scam. Over the course of many months I had lawyers in New York and XXXX plus the XXXX bank USA XXXX XXXX team investigate the matter. I eventually was informed that it appeared to be a scam that included the wire transferred funds to XXXX. They all concluded the money transferred back into the USA and was orchestrated very well and, actually could have been an inside job including the XXXX XXXX employees. The lawyers felt it would be a waist of time to litigate a large Timeshare company that is based in XXXX and USA. They warned me of the potential of trying to exploit more money through the collection agency side and harm my credit if you stopped paying after the Fraud. Unfortunately, this is exactly what happened. The XXXX XXXX never formally contacted me about sending my account to collections or credit agencies. Lastly, I filed a case with the Treasury Department of the US and currently have a case number. Since then, I have been contacted several times by a different Law Firm in XXXX XXXX California that was assigned cases of a so called XXXX time share scam. I have not contacted them at the request of other lawyers. This is a summary of a tremendous lengthy and costly ordeal. My credit should not be harmed in this unjust occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

88 points were deducted from my credit score once again by XXXX and Equifax in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : JPMCB AUTO FINANCE/ open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with Chase Bank, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through Chase Bank. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to Chase Bank. 

In XXXX, I received a refund from Chase Bank for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from Chase Bank, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable resolution.
Product: Credit card

In XXXX I was travelling and was in XXXX and tried to make a reservation with a hotel with my XXXX credit card, but I got an error message that the payment was not successful and reservation was not made. 
However the company took the money without informing me 3 days later When I contested this with the company itself since I did not get any reservation confirmation number they refunded the money however took {$250.00} dollars as cancellation fee even though no reservation was made by me in the first instance. 
Simultaneously while I was working with the XXXX company to get my money back I also lodged a fraud complaint with Bank Of America Bank of America initially refunded {$250.00} dollars however on XXXX of XXXX they took {$250.00} dollars and again on XXXX XXXX they took another {$250.00} dollars I have to tried to contact Bank of America fraud /credit card department multiple times , no one has any reason or answer and then my call gets transferred which never gets answered. 
I spent 3 hours on the phone and also went to local branch and no one has answers or reasoning Looks like now I am going to be charged {$250.00} on a automatic recurring payment for something
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Failed to implement adequate procedures to ensure the highest level of accuracy in the credit reports you publish. According to credit reporting laws, it is essential that bureaus only report credit information that is 100 % accurate, and all necessary measures should be taken to guarantee the complete accuracy and correctness of the reported information. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. 

XXXX XXXX FAILURE TO VALIDATE AND INVESTIGATE, PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX  Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : EQUIFAX MORT Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account EQUIFAX CREDIT BUREAU Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : EQUIFAX MORTGAGE XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : EQUIFAXXXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account
Product: Checking or savings account

I was victim of type 0 card and switch accounts, report in I still have JPMorgan institutions account and shares they playing dum
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

***Has Violated my Rights*** 15 U.S.C 1681 section 602 A. States I 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is an old account but it has a lot of inaccuracies that will require it to be reported correctly and marked as good or deleted permanently from my report First XXXX has 1 reported date as good and a line of gray are thats nothing this is enough to delete this item Secondly XXXX  has 1 ok mark and rest blank that is enough to delete this item Thirdly XXXX  has 2 ok marks and gray areas Dates on all 3 are inconsistent thats enough to delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. XXXX is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXX with XXXX, XXXX and Transunion yet the incorrect information is still being reported. <P/>2 ) XXXX is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath
Product: Credit reporting, credit repair services, or other personal consumer reports

Due respect after CFPB did their investigation on my ongoing credit report with Experian I went to take out a equity loan from my property and Experian still update my report again with XXXX XXXX XXXX  XXXX which was investigated when I went in my cfpb portial it stated company close open account opened XXXX of 2017 this act I never have nothing to do with this company because of this action I have so many hard inquiry it is tasteless i can not get a head in my business this left me with my foster parenting to fail only Experian using this transaction I know nothing about to let me fail the number on this credit report XXXX is unreachableI need your help once again thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Your note ( for XXXX ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.
Product: Credit card or prepaid card

I sent in a payment of {$6500.00} by USPS with tracking and signature return. I also put my credit card account number on the payment stub attached to the check. Citi received the payment XX/XX/19. On XX/XX/19 Citi deposited the check. I am attaching a copy of the check having cleared the bank account ( the other check in the file was applied correctly to a different account, please disregard ). To this day, XX/XX/19, the payment has not been applied to my account. 

I started calling Citi every couple of days after checking my account online starting on XX/XX/19 to ask why the payment has not been applied to my account. Each time I call I am told that they need to open a " payment investigation '' and they ask for the exact amount, check number and tell me that a conditional credit will be applied so that my account doesn't go past due or, accrue more interest on the amount or late fees. I have gone through more than 3 " supervisors '' in one call and am still told the same thing each time. To this day none of this has been done, my account is now more than 30 days past due and I am concerned it will be negatively reported to the credit bureaus. I couldn't and wouldn't make a payment to keep my account from going past 30 days because after the {$6500.00} payment, I owe a lot less than what Citi says my payment is.