23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Company received a fraudulent application for a credit card on XX/XX/25. They were one of XXXX banks that received an app fraudulently and by far the worst to work with to resolve the issue. I wish to report the application as fraudulent, make sure no other actions were taken on my accounts, and have the inquiry removed from my credit report. 

I called to speak to a person. Struggled with their automated system multiple times. I was transferred between representatives 5 times on XXXX call. I asked to speak to a supervisor and the rep promised the transfer would be successful and to the right person. Sent me to a closed department. They gave me numbers where the only options were to hear why an application was denied, on repeat, or to end the call. I told the XXXX rep she was difficult to hear because her voice was muffled and she talked over me and transferred me to a dead end department. Their negligence in being able to accept a call and address this issue is to a level that I believe it to be intentional.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts, I have been unsuccessful in resolving the presence of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their inclusion has inflicted considerable mental and financial strain. As a victim of identity theft, I am left with no choice but to contemplate legal recourse if this matter remains unresolved. These erroneous and deceptive entries on my consumer report have impeded my aspirations to purchase my ideal home and provide for my family 's needs, significantly impacting my financial stability. For your reference, I have enclosed a copy of the letter previously dispatched to the Federal Trade Commission ( FTC ), delineating this issue and seeking its resolution.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit. In that correspondence, I requested EXPERIAN to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EXPERIAN. I strongly believe that EXPERIAN employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EXPERIAN intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EXPERIAN to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau 1700 G Street, NW Washington XXXX XXXX XXXXXXXX RE : Allege Current Owner : ProCollect , Inc . 

Dear Sirs/Madams, This letter is an objection to the company response to the formal complaint XXXX submitted to the Consumer Financial Protection Bureau XXXX CFPB ( the bureau ) ) by XXXX XXXX ( the Consumer ) stated that ProCollect, Inc. ( the Debt Collector ) didnt validate the allege debt. ProCollect , Inc submitted alleged Rent statements as proof of ownership and validation of the alleged debt. 
The consumer objects based on the rule 802, hearsay. ProCollect Inc submitted alleged Rent statements based on the exception rule of evidence, XXXX XXXX XXXX. The rule of hearsay still applies in this complaint due to the source of the evidence. ProCollect Inc stated that they are affiliated with the alleged original creditor, so this means that they supplied 3rd party statements to the CFPB as evidence without complying with Rule 902. ProCollect Inc has presented evidence to the CFPB that was self-authenticated. ProCollect Inc didnt satisfy the complaint. Again, Im requesting this collection account to be removed from all my consumer credit reports.
Product: Credit reporting or other personal consumer reports

I reported to XXXX that XXXX XXXX XXXX XXXX of XXXX was reporting to them fraudulently. I opened an account in XXXX of XXXX and closed that account in XX/XX/XXXX and the account was paid in full in XXXX of XXXX. All 3 bureaus reflect this. XXXX reported me in XXXX of XXXX ( CO ) collections, XXXX XXXXXXXX as ( CO ) collections. This account was paid in full in XX/XX/XXXX and I asked for XXXX to close the account and paid it in full at that time. XXXX took my payment and told me the account is now closed. Other agencies reported as closed and paid in full. Paid as agreed. The ( CO ) dates and action that XXXX is reporting is not accurate. I have reached out to XXXX and XXXX for a resolution with no one getting back with me. This is fraud and I need my account updated correctly as I was not a card holder of XXXX during the inaccurate reporting. Nor was I ever late with them. Nor do I owe them any outstanding balance.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report with all credit bureaus and I didn't receive credit from the loan companies and I asked for them to be removed from my credit reports. if no loan was given or credit from the companies they must remove the information or inquiries especially if I didn't apply for the credit and that has a negative impact on my credit score XXXX XXXX Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 a 30 day late payment was reported. We had contacted NJ XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and NJ XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.
Product: Credit card or prepaid card

In trying to build a credit history through a credit repair comp ( XXXX XXXX ) I decided to apply for a credit card. In reading the information about the card they offered a Secured credit card and it read I need to pay {$99.00} in order to open a account. I'm a little cynical about so I read on the Internet but it offered that I could initially pay the processing fee and in 30 days pay the {$99.00} by the XX/XX/XXXX or 30 days. I paid it at the beginning of the month and I decided to check if they received the money because it was the first time using online bill pay through the bank. Well they tell yes they received it and when I pay an additional {$99.00} then I can activate the card. I tried to explain that was not what I read. And if it requires {$200.00} then didn't it asked that in the beginning. I feared it could be a scam but it seems like it might be legit. Regardless I requested my money back and they told me of some long process by which they will mail me a check. I thought when we went electronic we eliminated the lengthy process of mailing a letter. So to me they are sitting on my money to draw the interest then after they make money off of people who are on the lowest rung of the financial ladder. It's already ridiculous the interest rates themselves is gouging unnecessarily. The woman who I spoke to basically hung up on me as if to say ..Deal with it!! And they refuse to return the processing fee. Is this the personality of our Financial Institutions??
Product: Student loan

Thank you for taking the time to read and address my concern. In the midst of a tedious process of obtaining mortgage approval, my loan underwriter advised me that their were several 90 day late payments being reported by Navient impeding our process of moving forward. After detailed examination of my credit report I found that Navient has reported 10-90 day late payments! To add further damage, it is being reported across multiple accounts although I have always made one payment to  XXXX   XXXX  and  XXXX . It looks extremely negligent and is extremely damaging to my overall  credit score  and profile. However, the major issue is that all the 90 day lates being reported were on or around  XXXX , during the time I was in an agreement with  XXXX   XXXX  for forebearance. I am not certain as to why that did not transfer over when Navient begin servicing my loans. There were many times I experienced hardship, yet I always remained adamant about contacting  XXXX  Mae/Navient for payment arrangements such as deferment or forbearance. Since then, the accoun t ( s ) ha s been paid off and consolidated.   Being a   XXXX   XXXX   , I valu e education to the utmost. However, it is disheartening to already not be in the highest income bracket and also struggle to achieve home ownership due to late marks reported incorrectly from your previous student loan servicer.   I reached out to Navient upper managment and office of customer advocate to resolve this issue to no avail. They had someone call me and I got the typical statement ... '' do you have your forebearance or deferment paperwork ''. Of course I do n't, that was 3 years ago and I had no reason to keep it. I am sure most people do not have their forebearance paperwork from 3 years ago, and Navient knew that before they even asked.   Navient 's response and handling of this issue is highly finical. You would think that they have some type of incentive or reporting 10, 90 day late payments across multiple accounts. Given that these loans are paid in full and Navient was in the process of obtaining  XXXX   XXXX  loans, one would like to think they would take  the higher road an d give a former customer the benefit of the doubt. Especially, when I am reaching out saying this is really hindering my mortgage loan process. However, it is too much like right and characteristic of a reputable company for Navient to stop reporting this. Now I understand why their reputation for customer service and operations is absolutely horrible. Additionally, this explains their frequent involvement in litigation. For the life of me, I ca n't understand why Navient wants to continue to pad their reputation of how they treat customers. It 's almost as if they enjoyed giving me a hard time, and would love to misrepresent my payment history. My question to Navient is, what are you losing by taking the  high road  like a reputable company would and give a customer the benefit of the doubt? This approach to resolve issues, will eventually become very expensive for them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX BANK DELAWARE XXXX and XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX : Debt buyer- XXXX XXXX XXXX & XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX  for communications purposes. I have never banked with or made an account with this XXXX  or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U-verse Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around the U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. 



All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies.
Product: Credit card or prepaid card

on XXXX i requested a payoff from chase on my credit card as their interest was getting out of hand. i was giving a payout balance of {$26000.00} which i immediately payed off this by transferring this amount to other card with o % interest. i received a statement showing my balance was {$0.00} dollars no interest charged. on XXXX i received a new statement showing that i owed XXXX interest. when i called them for an explanation they said this was interest of a rolling balance even though i told them i had got a payoff number on XXXX i asked them to resend this interest but they refused at several levels. i think this is predatory and taking advantage of a consumer. it is for these reasons that i am asking your agency to intervene on my behalf. thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Equifaxs Failure to Provide Method of Verification Dear CFPB, I am writing to file a formal complaint regarding Equifaxs handling of my request for the method of verification of certain items on my credit report. On XX/XX/XXXX, I submitted a request to Equifax under the Fair Credit Reporting Act ( FCRA ) for the method of verification of specific disputed items on my credit report. However, Equifax has failed to provide me with the necessary details regarding their verification process.

As per the FCRA, I understand that I have the right to request and receive information on how Equifax verified the accuracy of the disputed items. Despite my request, I have not received an adequate response from Equifax that provides the specific information used to verify these items, including the name of the person contacted and their credentials.

I believe that Equifaxs lack of transparency and failure to comply with my request is in violation of the FCRA. Therefore, I am seeking your assistance in resolving this matter. I request that the CFPB intervene to ensure that Equifax provides me with the full method of verification as required by law, or that the disputed items be removed from my credit report if they can not substantiate their verification.

Please let me know if you require any additional documentation or information from me to assist with your investigation. I appreciate your attention to this matter and look forward to your response.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX This was the response from Equifax : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Public Record : Bankruptcy A DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 10 YEARS FROM THE DATE FILED. EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

This does not specify who they spoke with or their credentials. XXXX XXXX has stated they do not have any public records for me and it doesn't show on the report they sent me and Equifax has reported that's how they verified the information. Please advise.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX Credit Bureaus regarding XXXX 's presence on the client 's reports. The accounts are currently under XXXX XXXX and should not be reported. To authenticate and clarify the negative account they're reporting on my personal credit profile, I asked for an acknowledged agreement and transaction history detailing the balance calculation. However, they've declined to furnish any documentation verifying this account but have been willing to include this unverifiable debt on my credit report.
Product: Credit reporting or other personal consumer reports

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
15 U.S. Code 6801 - Protection of nonpublic personal information 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods 15 U.S. Code 1681a Financial Privacy Act of 1978 Privacy Act of 1974 [ 5 U.S.C. 552a ] Iv'e been challenging the information on my consumer report for quite some time with EQUIFAX, XXXX AND XXXX even though all XXXX agencies were in data breaches and obtain my personal information that I the consumer have to fight for. I've read all of their policy rules but they do not abide by them and the representives for the company will LIE ON THE CALLS. As well as they are advised to record the calls for security measures. I was advised as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

US COLLECTIONS WEST IN for XXXX XXXX XXXX account # XXXX. I disputed this account with us collections west I have called several time and spoken to XXXX regarding this account. When they sent me proof of the account they said I owed for a lease break with ( XXXX XXXX XXXX XXXX ) that XXXX XXXX XXXX took over at XXXX XXXX XXXX XXXX, XXXX AZ. I lived at that property for 2 years with a lease agreement of 1 year that I completed and emailed my 30 day notice to XXXX at XXXX XXXX XXXX and she is no longer at that company because it was sold. XXXX and her supervisor went of agreement and agreed that I completed my lease and XXXX XXXX XXXX sent me to collections for a lease agreement I completed with XXXX XXXX XXXX XXXX I never signed any agreement with XXXX XXXX XXXX and I completed my lease agreement with XXXX XXXX XXXX XXXX I have asked for this damaging collection to be removed from my credit report and they refuse and are still calling me to collect money when they already know its a wrongful collection and should have never been placed on my credit report. I have voicemails on my phone saved from XXXX and the agreement shows that dates that I completed with in the lease agreement and this collection is wrongful.
Product: Mortgage

On XXXX XXXX 2016 I was sent a permanent loan modification agreement from Nationstar mortgage. I signed and sent back these papers on XXXX XXXX, 2016 via certified mail back to Nationstar Mortgage. I made numerous payments, both the trial payments and afterwards. In XXXX they returned my payment and threw me off the loan modification because they say they never received the paperwork. This is incorrect. The paperwork was sent certified mail back to them. I am not going to start over again, because I have made the trial payments, I will lose my interest rate. I want my modification honored. It is their fault that somebody lost the paperwork, NOT MINE. I sent it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and DELETED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting

Saw some unauthorized inquiries on my credit report from equifax.Contacted them but they replied and tell me to contact the creditor.I am unable to get to the creditors.I was a victim of identity theft back in XXXX 2016 and I would want equifax to look at those inquiries again as I am unable to get an answer from creditors.