23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

When Comenity took over my account around XXXX of 2022 all reporting to Credit Bureaus ceased. I called after a few months, and was told that the same system upgrade that was not allowing me to access my account online was the reason my account hadn't been reported to the Credit Bureaus. I mentioned that they had informed account holders that the " upgrade '' would be finished in a couple weeks, and we were months into it. They said they could give me my balance because I still had to pay, but they needed a few more weeks to finish the " upgrade ''. I was finally able to access the account online around XXXX or XXXX, so I called this time to see about getting the account reported to the Credit Bureaus. I was told that there was a backlog due to the " upgrade '', and I would need to wait until 6 months after the last time the account was reported. I waited until XXXX to call again, and was this time told to contact each Credit Bureau to ask them why Comenity was not reporting my account. I pushed back since it was not any of the Credit Bureaus that held my account, so they finally relented and stated that the only thing to do was for me to write a letter and mail it to Comenity to see why they weren't reporting the account. I asked if there was some way to talk to someone by phone, chat, or email, and they stated that there wasn't. I paid off the card and stopped using it, and come XXXX I noticed that the account no longer showed on my credit report. My credit score also plummeted, presumably because it seemed that the account was closed by the issuer and my available credit was reduced. I decided to used the card for one transaction to see if it would finally trigger a submission to the Credit Bureaus. When XXXX came with no change, I sent a message through Commenity 's website. Their response stated that they would resume reporting to Credit Bureaus on XX/XX/2022. I responded that the date mentioned passed 2 months earlier, so they said they would look into the issue, and get back to me in a month. A little over a month later, I received a letter in the mail from Comenity stating that they were reponding to my issue, and found that they have not and will not report my account to any Credit Bureaus. The letter further advised that I should call their customer service number if I had any questions. I immediately called, and was told I'd need to write in to Comenity to have the issue resolved. After some time of pushing back, I finally spoke to a " Supervisor '' who told me that she couldn't believe that no one had filled out the form to get my acccount reported to the Credit Bureaus immediately, but she would do so. It has been a month, and I still don't see the account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I learned that my information was involved in the Equifax data breach and filed out the proper forms online which is the extended claims form and received a denial and am currently in a deficiency stage. Which I do not understand as my information was for sure involved in a data breach. 

Claim number XXXX My phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$31.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; If Equifax and XXXX feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Equifax and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX   and Equifax on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector XXXX XXXX XXXX XXXX  and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX  and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights.. 

date of last payment transunion- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX date of last payment trasunion- XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit transunion- {$2000.00} XXXX {$0.00} XXXX {$0.00} comments transunion- Charged off as bad debt Dispute resolved ; customer disagrees XXXX- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold
Product: Credit reporting or other personal consumer reports

This is a Notice that you have broken the law. 

CREDIT MANAGEMENT COMPANY Does not have a license to collect a debt in the state of Oklahoma which is the state that I reside in. Nor do you have licenses to collect debt in Texas in which XXXX XXXX XXXX XXXXesides. 

CREDIT MANAGEMENT COMPANY is reporting a collection account to XXXX, XXXX and XXXX. With a open date of XXXX XXXX and a balance of {$1300.00} Congress has made it clear that there is abundant evidence of the abusive, deceptive and unfair debt collection practices by debt collectors. SOME of the Violations committed by CREDIT MANAGEMENT COMPANY include the following : 15 U.S.C 1692b 15 U.S.C 1692c 15.U.S.C 1682d 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692e 18 U.S.C 1001 Additionally, This Is a notice of dispute.I am requesting VALIDATION, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting VALIDATION that is competent evidence being my signature showing that I have or ever had some contractual obligations to pay you. Provide the purchase agreement and all other documentary evidence. 

Please also be aware that any negative marks found on my credit reports or fraudulent security liens placed on my personal property ( including XXXX, XXXX, XXXX, and or Public Offices ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry and any fraudulent security Interest liens removed from my personal property. 

HJR192 Otherwise known as Public Law 73-10 states " All debts public and private are paid for. '' Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

The continuous of willful non compliance may result in information being shared to the following : XXXX XXXX XXXX XXXX XXXX XXXX FTC ( Fair Trade Commission ) .. For Fraud Attorney General But the failure to respond within 30 days will also have the same result.

Additionally, Failure to respond within 30 days may result in a small claims legal action at my local venue. In which Ill seek {$1000.00} for but not limited to the following violations : violations Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 0 *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) *Copyright Infringement of Trade name XXXX XXXX
Product: Debt collection

In XX/XX/2021 I received a car insurance renewal letter from my XXXX agent, XXXX XXXX. I sent an email to XXXX advising her that I didn't plan to renew. XXXX collects payments a month in advance, which meant I did not owe for the month of XXXX. XXXX sent me a billing invoice in spite of our cancellation correspondence, for {$220.00}. I contacted XXXX once again and she advised she needed my new auto insurance policy in order to cancel my account. I forwarded XXXX the requested information via email. However, in XX/XX/2021 I received another bill for {$220.00}. 

I then contacted the XXXX consumer services department, the representative who assisted me was XXXX, XXXX. XXXX advised that she would address the matter. In XX/XX/2021 I received an email from XXXX advising me that the investigation was completed and my account would be updated accordingly. Shortly after receiving that email and within the same month I received a collections letter from Credit Collection Services ( CCS ) for {$120.00}, less {$100.00} of the originally reported XXXX balance. I contacted CCS immediately and advised them of the aforementioned. I informed them that the account balance was inaccurate and would soon reflect a {$0.00} balance. The representative with CCS advised me that my account would be placed " on hold '' until further investigation. I forwarded them supporting documentation which included my email correspondence with XXXX. 

I continued to receive collections letters in XXXX and XXXX. In XX/XX/2021 I received a letter from CCS advising that the balance due was valid. I attempted to reach out to XXXX more than XXXX times via email and phone, but she never returned my calls or responded to my emails. I contacted the office of my XXXX agent and the representative that assisted me advised that there was nothing they could do to assist me once the account has been transferred to collections. I questioned the policies and standards that stated an account with an active dispute could be sent to collections without notifying the consumer. The representative did not respond. 

To avoid damage to my credit, considering the unwillingness of XXXX to adequately address this matter, I paid CCS {$120.00}, the amount of the alleged debt. This month CCS sent my account to XXXX, XXXX, and XXXX, which they advised me they would not do. To add, they reported that the debt had been outstanding since XX/XX/2021. This action appears malicious, biased, and a complete violation of my consumer rights.
Product: Credit card

Tried paying my credit card through Fidelity. The Fidelity to Elan Financial Services login doesn't want to work. It's not letting me pay my credit card bill. I would like to pay my bills but can not because of IT failures.
Product: Credit card or prepaid card

The new Synchrony/Chevron website does not work. Every time I try to pay my bill, it kicks me off the website when I try to enter the payment information. I cant submit information for auto-pay ( which is what I used to have set up, before Synchrony took over ). I cant even use the pay as guest feature, because it also kicks me off the website when I submit the payment information. I have tried it with multiple browsers and different operating systems ( both Windows and iOS ). When I tried to access the customer service features on the website, it also kicked me off. At this point I am extremely angry because it is a waste of my time and now it is telling me I have to contact customer service via phone and the wait times are extremely long. I have been an excellent customer for years but I am fed up. My bill is due on the XXXX and today is the XXXX. If I am charged with a missed payment, I will seek legal counsel and sue.
Product: Credit reporting or other personal consumer reports

For the past several weeks, I have been communicating with the following furnishers about unauthorized inquiries into my credit file : XXXX XXXX with Date of Inquiry of XX/XX/year> I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act. I now request that you open an investigation into this matter. 
Let me be clear on a matter of importance : I will not accept any documentation from your investigation that does not bear my signature authorizing the furnisher to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. 
In the absence of any such documentation bearing my signature, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, I will not accept generic responses from you requesting that I deal directly with the furnisher regarding these matters. This step has already been completed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BSI Financial was the mortgaging servicer for my home mortgage, and the servicing was transferred to another entity as of XX/XX/XXXX. However, BSI Financial is responsible for providing the annual mortgage interest statement since it collected mortgage payment through XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX I have reported to BSI Financial Services, the mortgage servicing company, that I did received the annual mortgage interest statement ( form 1098 ). I was told the document was mailed to my residence and a given that I had not received it, a request for the document will be submitted to the appropriate department. I waited two weeks, yet I did not receive the document. I call again and informed the BSI representative that I had not received the document and asked for expedited service given that the form was delayed. The representative stated she will send an email to the appropriate department, and she also asked whether I would like to learn the amount verbally. I told her a verbal response from the company is unacceptable and I would like the document as it the only confirmation that would be acceptable in the business world and I need the actual statement. 

On XX/XX/XXXX I called the company again explaining that I have not received the document and again asked for expedited service. Again the representative offer the same explanation ( a request was send to the appropriate department ). She also stated I would receive the document via email within 24 hours of the request. The representative also offer to give me the information verbally, which I repeated my response. I need the actual statement. 

Since that time, I have made two additional calls to the company for same request and receive the same response. I find this company to lack appropriate measures for handling customers ' requests and further believe is should not take 2 months to provide a pre-filled document, that is required by statute to be mailed to customers by XX/XX/XXXX. Further if the statement was mailed at the time the company claimed that it was mail, why is it so difficult for the company to produce a copy?
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit ( car loan ) with XXXX XXXX on XX/XX/XXXX, 2017. I received notification in the mail that their credit decision was,  in part, due to information received from SageStream LLC. I monitor my credit score with the known credit reporting agency XXXX and XXXX. I have never heard of SageStream and am not comfortable with providing my personal information such as a copy of my driver 's license and social security card to obtain my credit report from them. Is this a known, reputable company? How can a company just appear out of nowhere and be a credit reporting agency and have access to such personal information? What makes me really concerned is that the letter also said key factors that adversely affected my credit score from this particular agency is limited history for consumer at address. I have lived at the same address for XXXX years and if this was a legitimate company, I would expect them to know that. Please investigate this company as something seems wrong.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$150000.00} XXXXXXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I received a mail letter from US Bank, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with US Bank, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact US Bank Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Product: Vehicle loan or lease

In 2006 I bought a XXXX using gm financing I missed one payment they reposed the car if they waited a couple of weeks I got a steady income I could have kept the car that was in 2006 I think some one is trying to scam me this is the first time any one has contacted me. I talked to some guy claiming to be a lawyer all they said is pay up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESSES : 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 COLLECTIONS : 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 XXXXXXXX XXXX XXXX Equifax EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX