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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX and offering me a free alternative credit monitoring service called MyEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free MyEquifax program to restore the freeze on my credit file. Unfortunately, the MyEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but that did not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also could not and can not re-freeze it.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect accounts showing as delinquent. Disputed debts but account keep reappearing and is impacting my ability to get credit cards and approval for rental homes and cars.
Product: Debt collection

I am writing to file a formal Notice of Claim for Harm and Demand for the immediate removal of derogatory remarks listed on my credit report, which have significantly impeded my pursuit of happiness and financial stability. 
On XX/XX/2024, I obtained a copy of my credit report from Equifax and upon review, I discovered several derogatory remarks and accounts that are inaccurately reported. These remarks include : XXXX XXXX XXXX : all late payment remarks need to be removed from this account and updated to current. 
XXXX XXXX : There is NO SUCH code mentioned in the XXXX manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX XXXX There is NO SUCH code mentioned in the XXXX manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX XXXX XXXX  : Being that this company has not and can not provide evidence of license to practice debt collection in any of the XXXX states nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 
XXXX XXXX XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the XXXX states, nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. These blatant inaccuracies have caused detrimental harm within my day to day and on my credit score and financial reputation, making it difficult for me to access credit, secure loans, or obtain favorable terms for various financial transactions.

I am also demanding the removal of ALL ADDRESSES on the account as I do not have an address, I have a domicile.

The addresses to be removed are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX The removal of ALL hard inquires also need to be removed as I never gave explicit consent for these to be reported to my account and they are not associate to myself or my person in any manner.
Product: Debt collection

I ( a natural person ) was issued a false debt that was sent to me through mail. I contested with Commonwealth Financial Systems INC and they sent me a letter which I have uploaded alongside this complaint with false " validations '' of said " debt '' and they even went as far as to state on this letter that they are indeed " the purchaser of an account '' that is allegedly mine. Why would I pay a debt that is not mine? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
Product: Credit reporting or other personal consumer reports

XXXX has sold things on my credit report over And over national credit adjusters is over XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX and Equifax arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX
Product: Checking or savings account

Ive been waiting on a resolution for a dispute that I submitted to Simple ( BBVA ) through the Simple app on XXXX. I was told if I had more information that would change the resolution of this dispute to send it to XXXX XXXX XXXX  with my name as the subject and that would allow me to file a new dispute for these transactions. I have sent in information on XXXX, the same day I received that support message. I have not been able to file a new dispute because it shows that these transactions are still listed with the initial dispute claim and shows a status of in review not closed as I was told in the support message on XXXX. It was my understanding that if a dispute could not be resolved within 10 business days, a provisional credit would be provided. In fact that is a requirement by the Federal Deposit Insurance Corporation under Regulation E. I have saved a  PDF of that review status and a screenshot of the status with an atomic clock and calendar, just so I will have documentation with a date the dispute status documentation was accessed and saved. 

Part of the reasoning for the denial, was because I didnt dispute credited I received from the merchant ... well that is because NO CREDITS FROM THE MERCHANT SHOW ON THE ACCOUNTHOLDER SIDE OF THE BANKS WEBSITE OR APP, so what would I be disputing? That there isnt a record showing of a transaction that 1 ) didnt make 2 ) absolutely no knowledge of 3 ) was unaware of the merchant before doing some research to find that XXXX  was XXXX, whom I am not even approved for an account with as shown in the documentation I sent to XXXX XXXX XXXX as requested. 

Im getting alerts that my account will be closed due to the negative balance, but that is directly related to this dispute. My account would be in good standing if there was some sort of fraud protection. However, like many others, it seems like the only way to handle disputes when Simple decides not to follow their own account agreements and has not made any communication, the only way to get something done is to contact the CFPB or another agency that will assist consumers with complaints.
Product: Debt collection

Multiple collection companies harassed me via phone calls and letters attempting to collect a debt that had been settled in the past. The debt had been settled for the amount of {$360.00} ( settled with XXXX XXXX XXXX on behalf of the original owners of the debt ) on XX/XX/XXXX. 
I informed the collections agencies on multiple occasions that debt had been paid but they would not stop trying to contact me over the same matter. 

After settling the debt, I was contacted by XXXX XXXX, which prompted me to meet with an attorney. 
My attorney 's office sent out a certified letter to the collection company on XX/XX/XXXX with the following documents : 1 ) Proof that debt had been settled already.

2 ) A letter asking the collection company to provide written verification that the information had been removed within 30 days and that all collections efforts have ceased on their end ; the same letter included a request that they not contact me again Then a letter was sent to me on XX/XX/XXXX by Dynamic Recovery Solutions, and they began to harass me again with phone calls. 
The letter was demanding payment for the same debt ( stating that the current balance was {$240.00} ). 

My attorney 's office once again sent out a letter via certified mail on XX/XX/XXXX to inform them to cease and desist further efforts to collect the settled debt. 

Another letter was sent to me on XX/XX/XXXX from the same collections agency ( Dynamic Recovery Solutions ), requesting payment for the settled debt. This time they offered multiple payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information being reported due to identity theft. See attached.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with TransUnion and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.
Product: Bank account or service

I went to my local credit union and applied for a checking account. I was denied for a traditional checking account and was offered a XXXX chance checking account. Once you have had the checking account active for 12 months you can request a review to be considered for a regular checking account. Coming up XX/XX/XXXX will be 12 months that I have had the account open. I was advised by the bank rep that it came up in their system that I owe Wells Fargo and that they submitted information to XXXX that shows I mismanaged an account with them. The concern is that if I mismanaged an account with them. Then why would they allow me to open another account with them after reporting this information. Basicly its telling other banks not to do business with me, but it 's ok for me to do business with them after they have reported this negative information. They are also reporting a balance after I paid the account off in 2014. The information they are reporting remains in XXXX for 7 years and will limit you from obtaining a standard checking account instead of a second chance checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting

There is an address on my report that is not mine. The address is XXXX XXXX XXXX XXXX, Va XXXXI have not lived in this place. Please remove it from my report. 
Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
Please delete the following accounts : 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: Checking or savings account

On XX/XX/19 I chatted online with USAA agents about my pay check being deposited in to a checking that USAA closed for overdraft. I asked what options I had to get my funds. The agent told me in the chat that if I paid the over draft now out of my active checking account I could have my direct deposit after 3 days. I paid the over draft out of my active checking account I had with USAA and once again the agent told me 3 days I would be able to have my pay check deposited in to my active checking account. This was confirmed by 3 other agents all in chats. When the day came on XX/XX/19 for me to get my funds back I was told that all those agents had given me false information and that I agreed to this process when I first got the account. I asked for a copy of that disclosure on XX/XX/19 and still have not received it. USAA is telling me 10-20 days for them to release my funds. Because of this I have late fees on other bills and rent. I have also lost 40 hours of work and will now have to pay for a class out of pocket. When I told USAA that agents all told me that I would get my funds back after 3 days they just told me that they system wont allow them to do that. USAA stated that they know this is a bank error but don't want to do anything to make up for it. USAA sticks to the system having the issue. When trying to reach out to my customer advocate about this issue and that USAA is violating the law she does not return my phone calls. I believe that USAA used any means they could to collect on money that was owed. The means that they used was very deceptive and a lie. I have asked everyday since XX/XX/19 for my money back as well as the disclosure but USAA still refuses to do anything about it stating that it is policy. USAA hasn't even asked me what they can do to make this right after I get my money back. I explained to them that this caused me to take a week off work because the original agent said all I had to do was call to get my money. I called while I was on a break from a class that I was taking the you can't miss anytime in and that short phone call turned in to 7 hours on the phone with USAA.
Product: Credit reporting or other personal consumer reports

I have discovered incorrect information on my credit report, which is governed by 15 USC 16c-2. I believe this information is inaccurate and negatively affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Bank gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to XXXX  and they never put it on my report that this charge is in dispute and are dunning me for payments for Barclay Bank. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my Barclay card to you to return to them. 
I did not want the phone but Barclay insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The XXXX still refuses to put this on my report that this charge is in dispute and keeps asking me to pay Barclay when it is in dispute. 
The XXXX is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
Product: Credit card or prepaid card

A two page cover letter to the CFPB explaining what happened along with the 20 page letter to the credit card issuer 's credit bureau disputes department and two credit bureau reports faxed on Monday, XX/XX/XXXX will be uploaded to this account. The credit card company has not acknowledged receipt yet. Four follow-up phone calls to the company failed to reach the credit bureau disputes department.

At the risk of being redundant, an item costing {$1300.00} ( with expedited delivery ) purchased from a merchant was never delivered to me. After several attempts at resolving the matter with the merchant in good faith, the merchant failed to track down the location of the missing delivery. I reported the missing delivery to the credit card company and their disputes department met great resistance from the merchant. I believe that the credit card company worked hard on my behalf.

During this seven month struggle, a conditional credit was granted me in the first two billing cycles but the charge reappeared in the third billing cycle. I protested, the Disputes Department reissued the conditional credit before the cycle completed, but the billing department kept the charge on my account. In the interim, it was my understanding that I was absolved from having to pay for something I did not receive. 

To make a long story short, the disputes department settled the matter in my favor but the billing department reported me to the three credit bureaus for being 30 days delinquent. This inflicted great harm to my credit. I was downgraded two levels from having an excellent credit rating -- the credit card company decreased my credit card limit from {$16000.00} to {$1000.00} and removed the {$5000.00} advance cash credit limit. The severity of these penalties prohibits me from purchasing a replacement for the item that wasn't delivered to me. 

Furthermore, with the lower credit level, I can not take out a personal loan until this matter is cleared up because the interest on the loan is predicated on my credit score. And, the time it is taking me to get all these issues cleared up is a secondary harm because I am now incurring late fees for not having the loan ( not to mention the time I should be devoting to other pressing issues ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to XXXX, Equifax and XXXX XXXX paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that Equifax received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that XXXX received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that XXXX XXXX received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.
Product: Student loan

Navient 's subsidiary company, Student Assistance Corporation, made unethical and unecessary calls to XXXX of my neighbors, daughter, and siste all on the same day thereby created fear and humiliation for my wife and family
Product: Credit card or prepaid card

Ive been waiting for at least a month for credit decision and application to be approved for credit card and I called the security dept and they were rude to me and kept saying that they never receive the documents from and I mailed them since XX/XX/XXXX and I send it priority mail and I also fax it in on XX/XX/XXXX and still no decision on my application and no one isnt helping me and ... I talk to a young lady from the security dept and she was acting unprofessional and told me it was a waiting game and told me i cant Jump ahead of customers and the documents come in .. in the order of receive and Ive been sending at least 3 documents and she also said if I keep on sending documents again that it will start the credit decision all over again my application number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.