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

On XXXX, XXXX XXXX appeared on my credit file. I disputed this collection account with Equifax on XXXX and XXXX I have contacted Equifax in reference to a collection from XXXX XXXX collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. I currently have service with the " original creditor '' that is supposed to be collecting for the debt. I do not owe the original creditor.as I would not currently service with them. I have contacted XXXX XXXX on several occasions as well to validate this debt was mine. I have received nothing from XXXX XXXX except excessive harassing phone calls on a daily basis to my cellular phone. Equifax keeps stating that this debt has been verified however, I am unsure how this could be when Equifax has incorrect information listed in my credit file for my date of birth. The XXXX XXXX collection account is NOT my account and I request that it be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my weekly free annual credit report amd there website at annualcreditreport.com site well not let me I have contacted there company 3 times and have not heard from them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with Target Card Services regarding a delinquency record posted on my credit file. My account showed a transaction of {$9.00} posted on XX/XX/XXXX. This transaction caused my account, which previously was paid off, to hold a balance for that amount unbeknownst to me. The account went into past due balance for over a month for non-payment. I told the Rep that the charge was not made by me nor anyone in my household. As a result, The Target Card Services Rep suggested that I submit a dispute to the credit bureaus and stated that the information would then be corrected. 

On XX/XX/XXXX I contacted Target Card Services again regarding a letter sent to me stating the decision they made to decline the dispute made with the three major credit bureaus concerning my account. " Information is correct '' was the result of the dispute. 
The representative basically said she " didn't think it was fraud '' and declined to update the information. 

After explaining this to Target Card Services, several times, my dispute was denied. How can I be held liable for an unauthorized charge made on my account resulting in delinquency? I was unaware of the charge as well as the balance. I've been a customer since XXXX and I have NEVER made a late payment. My account is now current as I paid the past due amount ( even though I didn't make the purchase ) to avoid more negative reporting. 

On XX/XX/XXXX I mailed a certified letter to Target Card Services, again explaining my case. I will attach this letter below.
Product: Debt collection

I have asked repeadly for Portfolio Recovery to stop contacting me on my cell phone and at my work. I have written a letter as well for them to stop and they wont. I have vocally asked them to stop contacting me as well. Due to the statue of limitations, it is expired and the debt is not on my credit anymore.
Product: Debt collection

On XX/XX/2020, I received a notice on my credit report that I owed {$1300.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often fainted at work, or was incoherent or confused, and would be taken to the hospital without my consent, however I do not remember being taken by ambulance to the hospital. I do believe this charge is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several requests over to the credit reporting company to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. Experian has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, the credit reporting agency simply updates the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. The credit reporting agency has ignored my requests and it has far exceeded 30 to 45 days ; its been months later.
Product: Checking or savings account

My account was compromised either by a business customer who owed money for services rendered or unknown hacker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$9900.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/2021 in which a company known as " AFNI '' stated they were a collection agency for XXXX XXXX XXXX. They were seeking {$270.00} but would " accept a discounted amount of {$150.00}. '' My telephone bill has not exceeded {$30.00} in the last 10 years. I also spoke to customer service with XXXX XXXX XXXX and they assured me I have no outstanding balance whatsoever. 


This is clearly a fraud aimed at extracting funds from people -- -- -most like Senior Citizens, which I am. 
Here is information on their letter : Phone : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX
Product: Vehicle loan or lease

Subject : Response to Adverse Action Violation of 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602 I am writing in response to the adverse action taken by XXXX XXXX XXXX regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically XXXX2 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes.

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan.Furthermore, it is not lawful to deny me my right to grant credit!
Product: Debt collection

XXXX is reporting that I owe a debt to Affirm and Affirm has sent the debt to a company called XXXX. I have sent XXXX and XXXX both letters disputing the in accurate information reporting on my credit report. I stated that the information listed is in accurate and does not belong to me and if they can not do a thorough investigation to please have it removed from my credit report. They have yet to follow those guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and XXXX failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in addressing and resolving disputes I submitted regarding inaccurate information on my credit report. Their failure to investigate and verify the disputed information within the legally mandated timeframe has severely impacted my creditworthiness and financial well-being. 

Disputed Accounts : XXXX XXXXXXXX Account ( Account Number Ending XXXX XXXX : Reported with a balance of {$630.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Account ( Account Number Ending XXXX  ) : Reported with a balance of {$54.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX XXXX Account ( Account Number Ending XXXX XXXX : Reported with a balance of {$890.00} on a credit limit of {$500.00}, and classified as a closed account. 
Dispute Process : On XX/XX/year>, I formally disputed the accuracy of the above accounts with XXXX, TransUnion, and XXXX, citing discrepancies in the reported balances, payment histories, and statuses across the three bureaus. My disputes were sent via certified mail, and I provided all necessary supporting documentation. 
Non-Compliance with FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requires that credit reporting agencies investigate consumer disputes and provide the results of the investigation within 30 days of receiving the dispute. 
As of today 's date, more than 30 days have passed, and I have not received any response or verification from XXXX, TransUnion, or XXXX regarding the disputed accounts. This lack of response violates my rights under the FCRA. 
Impact on Creditworthiness : The failure of the credit bureaus to address these inaccuracies has directly harmed my credit score, limiting my ability to obtain credit, loans, or favorable interest rates. The inaccurate and unverifiable information remains on my credit report, further damaging my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, at approximately XXXX, I registered on Equifax 's website for the XXXX  XXXX credit monitoring service. My information was part of the Equifax data breach that was announced in XX/XX/XXXX. Upon submitting my information, a message box popped up stating that an e-mail would be sent, however there would be a delay due to the volume of requests. I interpreted that information to mean it could be delay of days so I didn't check my e-mail last night. Instead I checked my e-mail this afternoon. In fine print at the bottom of the e-mail was a message that said " this link will remain active throughout the enrollment period, which ends on Wednesday, XX/XX/XXXX. '' So, by checking my e-mail and trying to click on the link today, I have lost out on this service being provided by Equifax. 

My complaint is the fact that when I hit submit to enroll in the program last night the pop-up box did not state that enrollment had to be completed through the e-mail during the enrollment period. The message in the pop-up box DID NOT contain all the information and DID NOT provide all the steps that had to be completed. The message in the pop-up box was very misleading by stating that there would be a delay in the e-mail being sent due to the volume of requests. There were no details as to how long that delay would be. 

I called Equifax this afternoon and was told that there was absolutely nothing they could do to enroll me in XXXX XXXX credit monitoring services since the enrollment period had ended - even though their own website contained misleading information and missing information. This is extremely frustrating considering that the error and misinformation was on their end. And now, I'm the one whose personal information has been compromised and has no credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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: Student loan

I refinanced my student loans from XXXX to XXXX XXXX inthe amount of approximately {$360000.00}. This refinance payment from XXXX XXXX was processed by XXXX on XX/XX/XXXX. There was an overpayment of over {$4300.00}. I have asked XXXX about the status of the refund of this overpayment multiple times. I spoke by phone in XX/XX/XXXX to an agent who said refunds are processed within 30 days. It has been a month and a half. I have send their customer service department two emails, both have gone unanswered. They have provided no reasonable explanation that they would delay in issuing a refund.
Product: Credit card

good morning ... .i have had a target credit card for a few years ... ..i opted to have the payments automatically, until XXXX of 2015 ... ..at this time i decided i would prefer to pay each month, hoping to pay it off, instead of just the same amount every month ... .lo and behold, target would not allow me to do this and now they are holding my bank account hostage!!! XXXX agreed, back in XXXX that this was illigal, and supposedly placed a " permanant '' stop payment on my account, for target ... .i closed my account and asked target to send me a paper statement and i would pay them by mail ... .they have since overridden everything and is still taking money from my account ... ..the bank is reneging, it seems, on their promise to return all of target requests so everyone has control of my checking account, But me!!!! ... .plrase help me in this matter ... thankyou ...
Product: Mortgage

In 2011 I sold my condominium unit in a short sale. Bank of America who was the primary mortgage provider did not send me a XXXX form to verify that the loan was paid-off. Since then my credit report is showing the loan amount as I still owe it to the bank. I am calling Bank of America for the last two weeks and have not seen progress in getting that form. Each person I am talking with transfers me to different offices and no one provides me direct answer on why this form was not initially sent and when they will provide it. This is time sensitive case as my current employment is pending on that form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is being reported on my Experian, XXXX, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit card or prepaid card

I hold a Chase Sapphire Reserve credit card. This card provides travel delay insurance. I had a claim in the amount of {$700.00} for this insurance as a result of a cancelled flight. The claim clearly qualifies for the insurance benefit. I have submitted documentation multiple times to the insurance processor that Chase has elected to use for this card / product. They continuously attempt to find reasons to request ever more information and avoid paying the claim. I have clearly established the validity of the claim numerous times. They do not respond to calls and are clearly engaged in a pattern of avoiding payment. I understand that this is a broader problem with them. This is an ongoing fraudulent practice by Chase and the insurance processor that needs to be addressed.
Product: Vehicle loan or lease

In XXXX of 2016 I refinanced a XXXX XXXX XXXX and financed an XXXX XXXX XXXX with USAA Federal Savings Bank. I did both loans over the phone. Within the first few months I noticed I was falling behind in payments on the XXXX XXXX. Of course this was recorded on my credit report. I called USAA and asked what was going on. I was told the XXXX XXXX was scheduled for a monthly payment but the XXXX XXXX was scheduled for a payment of {$390.00} every 14 days. I explained to USAA at the time I didn't set the loan up that way. I was XXXX XXXX military and my pay was distributed on the XXXX and XXXX of every month. It didn't make any sense to set up a loan payment every 14 days. USAA is well aware of the military pay schedule the bank was founded by military Officers. I was told by USAA because of a contract between them and I agrees to a payment of every 14 days, they were expecting the payment. The only thing they I could do is refinance the loan. That was ridiculous. Why would I have my credit dinged because your representative made an honest mistake. I believe the representative who made check mark on my application agreeing to every 14 days for a payment made an honest mistake. Of course this can't be checked because the loan was processed over the phone. Anytime you mention biweekly and every other week to someone you risk the person has the frequency confused. Knowing my pay schedule I wouldn't have knowingly agreed to an every 14 days payment because I didn't get paid that way. In XXXX of 2016 I was XXXX  retired from the XXXX after 17 and 1/2 years. I called USAA in XXXX of 2016 and asked if they could help me by adjusting my XXXX contract because my pay would change from twice a month to once a month. They told me to refinance the car to change the frequency. Again I opted not to because I didn't want my credit dinged. At least twice a month USAA charge me late fees on the XXXX. At this point I have totally lost track how much money extra i'm paying in late fees. Also USAA applies how much money they want to my principle and interest rate. The online database which shows how much money is going to the principle and interest is inaccurate compared to what USAA representatives can see on their screen. I can make a payment of XXXX dollars. One month they will put XXXX toward interest and XXXX toward the principle. The following month I can make a payment of XXXX dollars. USAA will put XXXX dollars toward the principle, XXXX dollars toward interest and XXXX dollars toward late fees. Another example ; USAA online database will say I owe XXXX dollars on the XXXX and when I call the representative will say I owe XXXX dollars.
Product: Mortgage

My mortgage company has not paid my property taxes. They were originally due in XXXX, and have incurred fees every month since then. I have called the mortgage company every day to try to resolve, but no action has been taken. I have had my mortgage company and the property tax collector on the phone with me at the same time to try to resolve the issue, and it was discovered that the mortgage company had the wrong parcel number. This has been corrected, but the taxes have still not been paid. They are now listed as delinquent, and our names have been posted in the local paper as being delinquent on paying our taxes. When I call the mortgage company every day, i speak to a different person every time and can not request to speak to someone familiar with my case. 2 weeks ago they told me that a check would be overnighted to the tax collector, but no check has been issued. Im at my wits end, and dont know what else to do. As of XX/XX/XXXX, a lien will be issued on my property.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 PNC prevented me from transferring money from my personal account to XXXX. They would not allow a linking of my account to XXXX for a financial transfer. 
XXXX XXXX
Product: Debt collection

The original creditors are listed on my credit report as well as the so called debt collectors. I have not knowledge of this company. They sent an man to my house with fake legal documents, trying to scare me into paying them money. I located the original creditors and they have not knowledge of company.
Product: Mortgage

Suntrust received payoff for our loan on XX/XX/2020. We were advised it would take about 15 days to close out our escrow account. After that time I contacted them again and they said our escrow refund had not been sent yet. I called again after the XXXX of XXXX and was told our refund check was mailed on XX/XX/2020. After a week of not getting it I called and again was told it takes up to 10 business days. We did not get the check by that time and I called again and was told it was mailed and I needed to give it more time. Today is 28 days since Suntrust received payoff and we still have not received our escrow refund. I called today and after a 30 minute hold XXXX answered by call. I explained everything to him and told him this is not acceptable. It never took 30 days for my payment to get to them and it should not take 30 days to receive a check they mailed to me. I asked to speak to a supervisor who could authorize a stop payment and overnight me a check. He put me on hold a few minutes, came back and said they were working remotely and it might take another 3-4 minutes. I told him I would hold because this needed to be resolved. Instead of him putting me on hold, he disconnected the call. I used to work in a call center, I know calls are disconnected when the associated doesn't want to be bothered with the problem. Suntrust at this point owes me my check, plus interest at the rate of XXXX which is what I was paying on my loan.