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

XXXX submitted my account due to non payment to a collections agency American Coradius International LLC which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called XXXX and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent XXXX a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. 

I even submitted XXXX balance letter from collections agency to XXXX and up till today no one has contacted me. 

I am getting the runaround with the collection agency as well as XXXX and I have taken care of this account almost 4 months ago. 

Please help I am trying to do the closing in my house and this is the only thing stopping me from
Product: Credit reporting, credit repair services, or other personal consumer reports

Following Equifax 's discolusure of my personal information as a result of their technical incompetence, I have also been unable to enroll in their advertised offering of free credit monitoring and related services after the expenditure of considerable effort. 

The primary challenge to enrolling has been technical as well. After being placed in a multi-day queue to enroll two times, I received an email with a link to trustedidpremier.com that appears to contain an identifier unique to my request. The email assured me that it was finally " time to take the final steps in enrolling in your free product, TrustedID Premier ... '' The email also specified that " This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX 2017. ''  However, when clicking the link, I receive an error page and am then redirected back to the beginning of their process again, which requires re-providing this company with considerable sensitive personal information all over again, and presumably only would put me back at the end of a queue to sign up for the service a third time. 

The email also contained a telephone number I could call if I had questions or concerns, so I called the number. After a brief automated recording, the number provided a busy signal tone. 

I have at this point entirely lost faith in Equifax 's ability to use technology to deal in my personal information, so I do not wish to attempt to enroll in their service again.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX - {$330000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$540.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Credit reporting

My sister 's name is on my credit report on XXXX, Equifax. Her name is completely different than mines and our social number differs by XXXX digit. I 've contacted Equifax and they told me that I need to call them every time to straighten out any loans that does not belong to me, i.e. for the rest of my life. It should be their job to report correct information and not mines to correct them. I would like to file a complaint against all XXXX credit bureaus for false, inaccurate reporting of my credit and failing to correct it.
Product: Student loan

Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( Corinthian ). Corinthian also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back during the week of XX/XX/22 to notify them again. The agency referenced the sweet vs cardona case. I explained that this was different and the publication from XX/XX/22 from the Department of Education. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.
Product: Credit card

XXXX XXXX services opened on XX/XX/XXXX  Without my knowledge. this card opend by someone who has my information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  an account from Barclays Delaware open up on my credit account when I don't even live dear there, or opened anything account. XX/XX/XXXXXXXX  I'm charged XXXX dollars for no reason. Barclays Delaware is literally reviewed as a scam place and, no one is doing anything about it.
Product: Credit card or prepaid card

I am reaching out with some issues I have been unsuccessful with resolving from the creditor. I had some financial issues and fell short on paying my credit card bill. I contacted  XXXX  and a representative from the office told me to make my {$37.00} minimum payment in  XXXX  so that the account would n't charge off. I made that payment and have proof. I received a bill in the mail and on the bill it stated that I could call in to get a settlement or set arrangements to pay the balance. I first logged on to  XXXX  to make a payment and was unable to log in to make a payment. I contacted the company to make a payment as well as arrangements so that my account would n't charge off and they said they could n't access my account and that i needed to be sent to another department. The other department gave me the runarounds. No one was able to take my payment, unable to grant access online.  XXXX  came and they tell me my account is charged off because I have n't made a payment in 5 months which clearly I made the minimum in  XXXX . I was unable to pay by phone or my usual route online. The rep stated if I sent payment by mail it would be sent back. Today  XXXX / XXXX /   17  I called and come to find out the website is now updated to  XXXX . The whole time this was changed and no one informed to tell me so that my payment could get charged off. This has a negative affect on my credit. I have contacted the company they gave me the settlement amount and will not take out of charged off status because of there wrong doing. I am reaching out before for help before I look into litigation. I want to make my payment and I want this account to either be taken out of charge off status or removed from my credit for there wrong doing.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their unauthorized sharing of my nonpublic personal information with nonaffiliated third parties and consumer reporting agencies include any third-party. I have taken appropriate steps to exercise my right under 15 united state code 6802 of the Gramm Leech Bliley Act GLBA to opt any, and all out of such information sharing and I believe my privacy rights have been violated On XX/XX/year> I notified XXXX that I am opting out of any and all authorization rather written, unwritten, verbal or nonverbal for the sharing of my nonpublic, personal information with nonaffiliated third-partys, including consumer reporting agencies for any purpose, other than those necessary to provide me with financial products or services. I provided this opt out notice, accordance with the legal requirements outlined in 15 united state code 6802, and I have retained documentation of my communication with the institution. Despite my explicit opt out request and my clear assertion of my rights under the Gramm Leech Bliley Act I have reason to believe that XXXX has continue to furnish my nonpublic personal information to the nonaffiliated, third parties and consumer reporting agencies without my consent. This unauthorized sharing of my non public personal information, constitutes a serious violations of my privacy rights and a breach of the federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for Identity theft fraud, or other financial harm. I kindly request that the consumer, financial protection bureau, investigate this matter thoroughly and take appropriate actions to ensure that XXXX complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation, and any actions taken to address the violations committed by XXXX please feel free to contact me via email at XXXX If you require any further information or documentation to proceed with the investigation, I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Vehicle loan or lease

On XX/XX/18, I spoke with a representative at Ally Financial regarding the pay off of my vehicle. At the time of the call, I stated that I would not be able to pay the larger amount owed as that it was too high but asked if there could be a deal made for a lower amount. I was told I could pay {$590.00} to pay off the vehicle. My car loan is fully paid off, this was accrual of supposed late fees and other charges ( which I was informed after the loan was paid off ). I let the representative know that I could pay half the day I spoke with them and then half on my next paycheck. The arrangement was made and I was informed of the arrangement was set up in the system. 

After the 1st payment was made on XX/XX/XXXX, I called in again to pay the final amount of {$290.00}, which is the same amount paid on XX/XX/XXXX, I was informed by 2 different representatives the " arrangement '' had defaulted as there was a 3 day grace period and the previous payment was not processed until XX/XX/XXXX. I was not informed of this and had informed many representatives of this matter. I was then approached with a new arrangement, even though I informed every person I talked to of the previous arrangement that was given, of a new amount in which I would not be able pay that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtaining a copy of my credit report I've noticed credit inquiries that are on my report that I have never applied for. I have reached out to Equifax to dispute these items and they have provided me no assistance in correcting this matter.
Product: Credit card or prepaid card

We have attempted to dispute a {$600.00} charge on a service that was not completed satisfactorily. We made several attempts to work out the problem with the vendor and returned the item several times to the shop to be repaired. With the item never working properly, we finally decided to dispute the charge with Barclay 's XXXX XXXX 

On XX/XX/2020 I mailed the dispute, along with supporting documentation, to the address listed on XXXX 's website for disputing charges. After several weeks of hearing nothing, I called XXXX 's and was told they never received the letter. I rechecked the mailing address with the agent and it was correct. At this point, on XX/XX/2020, I resent all the information via certified mail. The letter was received and signed for on XX/XX/2020 at XXXX XXXX. 

After not hearing from XXXX  again after several weeks, I began calling. Once again I was advised the letter and documentation had not been received. Once again we double checked the mailing address with the agent and it was correct. 

I asked to be connected with a supervisor and was told that was not possible unless I had a dispute number in their system. 

I have made numerous calls and asked for a supervisor. Finally getting an agent to " look for one for me :. On the several times I called XXXX, I have literally waited hours on hold and no supervisor was ever " available ''. 

Over the course of an additional few weeks, I did receive 2 calls from XXXX that I was unable to take at the time of their calls. The call back number always connected me back through the main dispute call center. I was told since they attempted to contact me twice and I was not available, I would have to begin the process all over. In other words, if a customer is not available at any unspecified time to take a call, after XXXX 's second attempt, the customer basically begins all over again. 

This particular call back scenario happened exactly 3 times. I even received a letter from XXXX stating after numerous unsuccessful attempts to contact me XXXX not true ), they were denying my claim. 

We are now reaching out to you in hopes to get this resolved. We have made every attempt to resolve this, first with the vendor, next with the credit card company. It is unfathomable that a company like XXXX 's would have such poor customer service.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant concerns multiple fraudulent issues on my credit reports as held by TransUnion, XXXX   & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by TransUnion, XXXX  and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent multiple letters, to the credit reporting agency and have not received. Proof of their investigation and proof that the lender was authorized to make the inquiry, or delete the inquires disputed. The inquiries disputed are. 

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: Mortgage

BB and T apparently was purchased by Truist and I received a notice of short escrow by {$590.00} and I called BB and T and was told Truist was the holder now and I asked to have someone call me back, but without me being notified on XX/XX/28 They auto drafted out of my account {$590.00}, I feel they should have told me they were going to auto draft that out before they did that OR given me the opportunity to just allow the monthly payments to increase, but to have no notice that they did that seems to wrong.
Product: Debt collection

In XXXX, I filed a complaint against Resurgence Capital on debt that was not validated. The provided the attached response. The problem I have now is that the date of first delinquency on my credit report is not correct. It is listed as XX/XX/XXXX when it should be listed as XX/XX/XXXX. You can see the date the last payment was received was XX/XX/XXXX per the attachment supplied by Resurgence Capital in my earlier complaint. Misreporting the date of first delinquency or " re-aging '' is an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated the these accounts where properly investigated and came back verified, however thats not true there are several inaccuracies on my credit report Ive sent certified mail disputes online more than once and they still state thats its correct where they arent In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report under 15 U.S.code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) these accounts are in violation of reporting 100 % accurate information on my report Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX it state date opened XX/XX/2018 and first date of delinquency XXXX XXXX I have never sign any papers with this account holders name the amount thats on my credit report is outrageous XXXX thats is true
Product: Credit reporting or other personal consumer reports

XXXX # XXXXSubject : Request for Debt Validation Account Number XXXX Dear XXXX XXXX Disputes Department, I am writing to formally dispute the debt associated with my account, account number XXXX. I request that XXXX provides full validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following : Verification of Debt : A detailed breakdown of the charges associated with the account, including the nature of each charge and any interest or fees applied.

Proof of Ownership and Authorization : Documentation proving that I authorized this account and consented to the services/products listed. I request a signed contract or terms of service documentation. 
Details of Equipment and Services Provided : Confirmation of all products and services associated with the account, including devices, service dates, and transaction history. 
Transfer of Account Details to XXXX, XXXX : Documentation confirming the transfer of this account to XXXX XXXX XXXX, along with any correspondence indicating this change. 
Proof of Payment History : A full payment history, showing payment dates, amounts, and any fees applied, to verify the balance stated. 
Compliance with FCRA and FDCPA : Confirmation that XXXX adhered to FCRA and FDCPA guidelines regarding the reporting, transfer, and collection of this debt. 
Additional Information Please be advised that I do not acknowledge the validity of this debt without proper verification. If XXXX is unable to provide sufficient validation, I request that the account be removed from my credit report and that all collection activity cease. 

If this account has been reported incorrectly, I expect that XXXX will rectify this with all credit bureaus and provide confirmation of the correction. 

Thank you for your attention to this matter. I look forward to receiving a response within 30 days. Please send all correspondence to the address above.
Product: Checking or savings account

On XXXX XXXX XXXX USAA bank delayed processing of a deposit from my employer resulting in {$70.00} of over draft fees from pending bills. As a result I had no money for food during XXXX XXXX in XXXX. Their excuse, a XXXX day delay in depositing due to bank closures. The fees were not refunded. 

On XXXX XXXX an electronic deposit is currently being delayed XXXX days from XXXX, the funds generally take XXXX minutes to deposit. However a bill posted after the initial deposit has been credited first to trigger more overdraft fees. USAAs excuse a XXXX day time frame for deposits. However over XXXX deposit transactions in the last XXXX months have been timely, except for those occurring when a known periodical expense is due. The XXXX transaction in fact deposited on the XXXX then disappeared off of the account, XXXX minutes later the bill credited to the account triggering an overdraft. USAA is playing games trying to collect overdraft fees by manipulating transaction times.