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

File Number XXXX received on XX/XX/22 Concerning the " XXXX XXXX XXXX XXXX XXXX loan '' account, You stated it came back " verified ''. That has nothing to do with the dispute where I provided you with the FCRA Laws you have violated. So again, you chose to ignore willfully, this is a criminal act which is another violation. I am making it clear that I am disputing YOU for furnishing this account that goes against federal law. Again, Pursuant to 15 U.S.C 1681a states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' is to be excluded from my consumer report. That has nothing to do with if the account is verified or not, you are still breaking the law by furnishing this account. I demand that address this issue with the LAW and remove this alleged debt from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online to XXXX regarding several the XXXX times XXXX XXXX of CA is on my credit report. XXXX never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law : 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to thedebt 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 ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, adebt collector shall assume that the convenient time for communicating with a consumeris after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to acommunication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by suchdebt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumeris made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a XXXX  ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of this attempt to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. Despite repeated attempts to remove fraudulent items, I am deeply troubled by the outcome of this multiple attempt. The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the The failure to effectively address these issues casts doubt on the reliability of the process and erodes trust among participants. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during the 4th attempt to remove fraudulent items. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, who also works XXXX  XXXX  to support myself. 

In early XXXX I was the victim of an online scam ; I immediately alerted my bank, Capital One, but they could not return the money and I owed several XXXX XXXX  due to the bank. 

Consequently I was forced to pay back Capital One bank with funds from an investment account at XXXX XXXX, and Capital One was made whole. As a result, the bank has approximately {$1000.00} frozen during this time ; I have been unable to get the overage refunded to me in over 100 days. 

Capital One refuses to provide me with a case number, a contact number or any timetable for resolution of this issue.
Product: Credit card or prepaid card

Submitted a dispute for a portion of a charge for services which were performed improperly and incompletely, which resulted in damage to my vehicle. I disputed {$450.00} of the total charge of {$870.00}.

The disputed charge is the first line item in the attached bill of service : " Major Tune Up, Parts and Labor ''. I disputed this charge because the spark plugs were improperly installed, resulting in my having to take the vehicle to a XXXX dealership for correction, which cost me an additional {$190.00}.

Bank of America refused to credit me the {$450.00} ( all correspondence is attached ) even after I provided written validation/verification from the XXXX Service Manager ( in addition to the invoice, which clearly states the spark plugs were loose/not installed properly ).

Bank of America DID NOT provide Consumer Protection to me in this case and the dispute process was a complete failure.
Product: Mortgage

On XX/XX/21 my mortgage payment was automatically processed out of my XXXXXXXX XXXX account to Mr. Cooper for the amount of {$1800.00}. On XX/XX/21 four separate withdrawals were incorrectly taken from my checking account in the same amount, each {$1800.00} for a total of {$7500.00}. These were off schedule withdrawals and should not have been taken from my account.
Product: Credit reporting

Check systems is continually breaking the law and they lied to me and when I attempt to have them talk to them North Carolina attorney general or the local police they refused. They have been reporting XXXX accounts XXXX being XXXX and the other being XXXX and they have been reporting this since XXXX. I proved that these accounts were not mine and yet check systems feels it 's in their power to ignore the law or overwrite the law with their policies. When I attempted to correct them they refused and hung up on me. Instead they would rather harm me by reporting known and proven fraud as if it 's mine instead of doing the job that they 're supposed to do and investigating properly. My XXXX account is now owned by XXXX and XXXX has already given me the identification number for them attempting to get check systems to remove the reporting of their account because they know it does n't belong as being reported to check systems. I 'm going to include ChexSystems lies where they say that they contacted the financial institution and verified it in the financial institution says they never called. So I 'm calling to report ChexSystems has breaking the law ignoring the law and thinking their policies supersede the law. I was exonerated of any wrongdoing fraudulent by the police and the courts period ChexSystems seems to feel that a police report has a statute of limitations on how long it 's good for the same offenses. They need to be told very clearly that there is no shelf life for fact in the law and they can not stop doing something because they believe they 're right when they are a XXXX percent wrong. So I 'm hoping that the Consumer Financial Protection Bureau can get check systems to do the right thing and hold them accountable to Breaking the Law because my account was closed because they wrongfully reported XXXX and XXXX up until XXXX of XXXX My First Merit account was closed in XXXX of XXXX because of that wrongful reporting period chexsystem refuses to acknowledge anything except their lies and wrongful treatment of customers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not open these accounts or authorize these inquiries : I attached the police report, FTC complaint, Id theft affidavit and ID. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased a portable air conditioner from XXXX on XX/XX/year>, and paid in full. Later, the next year, I received a call from debt collectors regarding a {$550.00} debt for an air conditioner from XXXX, which I never ordered. I contacted XXXX and was informed that the account used for the order was set up for fraud. Despite assurances from XXXX, the credit history was negatively affected by the debt collection. 
The fraudulent purchase on XXXX was made using a payment plan through XXXX, but when I confirmed with XXXX that they do not have an account with them. Upon requesting details from XXXX, XXXX, and the debt collectors about the Social Security Number used for the loan and the tracking information for the delivery I got no response. 
The fraudulent order on XXXX was created on the same day they ordered from XXXX. The XXXX invoice display the name " XXXX XXXX '' but has my shipping name and address.
Product: Checking or savings account

Wells cargo closed my account without me knowing 2years ago.
Product: Credit card or prepaid card

I ordered shoes from XXXX XXXX on XX/XX/XXXX by using Affirm for payment. Affirm provides a virtual card number when purchasing and then would charge my credit card in 4 equal installments of {$320.00}. On XX/XX/XXXX, XXXX sent an email stating that the shoes were no longer available and the order is cancelled. However, Affirm charged my XXXX XXXX XXXX credit card for the first payment of {$320.00} even though the order was never fulfilled. Ive contacted Affirm several times ( maybe around 5 times including twice today on XX/XX/XXXX ) to explain that XXXX cancelled the order and never fulfilled, so Affirm should refund the first installment and cancel the loan completely. They refused because their system is not showing a cancellation. I even submitted the email from XXXX confirming the cancellation. Affirm keeps telling me they dont see it in their system that the order is cancelled even after sending them the email from XXXX. It seems Affirms system has an issue but Im suffering from their incompetence. I should not have to be in the middle due to their issue. I asked Affirm what else do they need if we have an email from XXXX who Affirm has the relationship with. I disputed the first charge with my credit card company but am worried Affirm doesnt drop the amount and then reports it to the credit agencies for something I never received. 

My Affirm loan ID is XXXX Thank you!
Product: Credit card or prepaid card

Wells Fargo provide the checking and savings accounts to XXXX and encourage people to set up a direct deposit. But no XXXX neither Wells Fargo allow any other bank to use my money for free as they do, neither they allow me to use my money that should be available to me immediately and it is not. I struggled to add XXXX account as external account to XXXX XXXX, instead XXXX keeps my money with Wells Fargo. 

On the other hand Wells Fargo denied my application for a credit card. 

I already lost up to {$1000.00} with XXXX resistance to transfer my money virtually at my request. They will keep my money on hold for a week instead of transferring immediately. Sometimes my threats to complain to CFPB helps to speed it up for next day, but not always.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my XXXX  account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, 100 % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with XXXX  on XX/XX/XXXX & XX/XX/XXXX ( via XX/XX/XXXX website ), details attached. I also disputed directly with XXXX  on XX/XX/XXXX ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
Product: Credit reporting or other personal consumer reports

I placed a DISPUTES with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXXXXXX XXXX about the erroneous balance and other information in XXXX XXXX account XXXX on my Equifax Credit report. 

Equifax informed me that they verified with this creditor " that the balance is being reported correctly '' when on the other hand, when I asked XXXX XXXX directly to correct the credit file, they responded admitting the disputed proceeds and moved forward to revise and updated the file. Clearly contradictory. 

Equifax dispute system is not recognizing the invalidity of this credit file, is not making a real investigation and negligently allowing a disrupted creditor abuse credit reporting and harm me. Bankruptcy documentation provided is enough for Equifax to correct the file, if they truly investigated, they would not have any doubt in correcting the file at once. 

This account is XXXX years old, discharged in my bankruptcy XXXX  years ago, therefore the balance must be {$0.00} and this credit file must not be reported on my present Equifax credit report. 

XXXX XXXX must correct, on its own with the documentation, the credit reporting for this account. Equifax must recognize my bankruptcy protection and also, on its own correct the file. 

Together, these XXXX companies conspire and cover each other for allowing persons inside their organization deploy corrupted procedure directed to harm targeted consumer with false information in credit reporting. 

XXXX  complaint against Equifax # XXXX is also open for further review of Equifax business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX  XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX  reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Student loan

When XXXX switched over to Navient as my student loan provider, I was given no choice to do otherwise. I am currently a stay at home mother with XXXX children. My husband and I have been through a number of financial difficulties ( including my husband losing his job at one point ) and Navient never offered alternative repayment options or any options that would give us a measure of relief. We have a cosigner on the account but she is in as hard a time as we are. The problem is that when I called Navient to see what options might be available, they said they would have to speak with my cosigner. When they did, they determined that she makes enough to cover our payments when she actually does not. So, I 'm being told that there are no options ( there never have been through Navient ) and that my cosigner can pay ( which she ca n't ). The financial strain has been causing me a tremendous amount of XXXX, especially because once I use up all of the forbearance, I 'm going to have to choose between feeding my family or paying Navient 's steep payments. That 's not a decision someone should have to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and sent the requested documents to them. For years they lie about not being able to locate my credit profile. Which is complete nonsense, its impossible to get them on the phone!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I called the car company in XX/XX/year> as this loan is in my husbands ( XXXX XXXX ) name. I didnt apply for a loan. However, they have my information attached to this car loan inaccurately.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against the three major credit reporting agenciesXXXX XXXX, and Equifaxregarding their handling of my recent disputes. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Despite my efforts to dispute inaccuracies on my credit report, none of these agencies conducted a proper investigation. Specifically : XXXX XXXX XXXX " XXXX XXXX ", in the amount of {$280.00} XXXX XXXX XXXX in the amount of {$1000.00} and XXXX XXXX XXXX in the amount of {$1700.00}. 
There rare also numerous of fradulent inquiries on my XXXX credit profile and Equifax. such as : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Failure to Investigate Disputes : Each agency did not adequately investigate the information I disputed. I provided supporting documentation to substantiate my claims, but my disputes were dismissed without a thorough review. 

Lack of Original Contracts : I requested original contracts and documentation related to the disputed accounts, but I did not receive any. This lack of transparency raises concerns about the validity of the debts reported. 
Failure to Validate Debt : The agencies did not validate the debts as required under the FCRA. Without proper validation, the accounts in question should not be reported on my credit file. 
These issues violate 15 U.S.C. 1681b, which outlines permissible purposes for consumer reports, and the FCRA 's requirements for accurate reporting and dispute resolution. Furthermore, the agencies failed to address my disputes in a timely manner, as mandated by law. 
I respectfully request that the CFPB investigate this matter and take action to ensure compliance by these agencies. I believe the disputed accounts should be removed from my credit report, given the lack of proper investigation and validation.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

Bankruptcy Chapter 7 Discharged Reference : XXXX