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

I been having Issues with Equifax since XX/XX/XXXX I have fax numerous of faxes totaling 16 pages each time. Every time I contact Equifax someone telling me they did not received my fax or Equifax customer services rep will tell me they only receive 3 pages. Its nowXX/XX/XXXX. Issues have not been resolve. I been faxing paper work over to Equifax everyday day. Im a victim of identity fraud also I was effective by their Equifax breach. Equifax has numerous of credit inquiries on my correct report, a 2 collection and a bankruptcy 13 including inaccurate accounts that are fraudulent, which does not belong to me. I provided all the documentation Equifax need ( including a police report, a copy of my social and driver license, also all items which are fraudulent and need to be remove immediately. I have been dealing with this issue for three months now. This has effective me in some many ways.
Product: Debt collection

I received this letter from this company demanding payment. To my knowledge I have never entered into a contract with this company nor have they provided me with services or goods
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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: Credit reporting

While monitoring my credit, all of a sudden this collection account shows up out of the blue. I write them a letter requesting validation bearing my signature. I sent the letter certified, return receipt mail on XXXX XXXX, XXXX and they signed for it on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX, XXXX however, there is no signature, just a print up from a computer. I included a copy of my credit report for XXXX XXXX, XXXX, showing that after more than 30 days and they had still failed to indicate on my credit report that the item was in dispute. This is a violation of the law. I sent them a letter again on XXXX XXXX, XXXX again stating I want validation bearing my signature. They responded on XXXX saying it was already sent, which I disagree with, nothing they sent me had any signature for me to validate. I am the only person who can validate my signature and they failed to provide anything for me to validate. They also indicated that they sent a validation notice to me in XXXX of XXXX and attempted to contact me, show me proof of that because I never received a telephone call nor a letter, I would have been all over this, just as I had to reach out to them as soon as it appeared on my credit report without first contacting me ( another violation of the law, I am to be provided with 30 days to dispute the validity of the debt, which I never received a letter, nor a phone call as they claim ). I am providing documents to support my claim that : I sent them a letter requesting validation ; the certified return receipt for acceptance of deliver, the letter and information they provided on XXXX XXXX & XXXX XXXX XXXX as well as the letter I sent them again on XXXX XXXX, XXXX and a copy of my credit report from XXXX. They received my letter on XXXX, 30 days from this day is XXXX XXXX, XXXX. As you can see by credit report, the disputed line was not added and they are in violation of law. I am asking for your assistance today because this collection agency broke the law and since they failed to update the report within 30 day, the item needs to be deleted from my credit reports from the credit bureaus.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Debt collection

Monthly agreement was made with Synchrony Bank to make payment on the XXXX of every month in the amount of {$21.00}. Creditor is calling stating that I am behind in payments, which I am not. And stating that I have a different due date then agreed upon. I have repeatedly informed the representatives of my agreement. They apologized however they continue to harass me day and night continuous calls. Some Representatives argue and keep continuing to try to collect payment. I have not been late on any payments and wish this continued harassment to end.
Product: Debt collection

This company placed a collection account on my credit that was and is not mines. I do not owe any money to them and to who they are collecting for. I will be filing a ID theft dispute with the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Dispute & Demand for Immediate Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all reported information is accurate, complete, and verifiable. The continued reporting of these accounts has resulted in significant financial harm, including denial of credit cards, auto loans, and unfairly high interest rates, all due to your failure to maintain compliance with federal law. 

Accounts in Dispute XXXX  XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX Dept of educationXXXX XXXX {$6300.00} XXXX XXXX {$3500.00} XXXX {$2700.00} {$4700.00} {$3400.00} XXXX {$4700.00} XXXX XXXX XXXX  as XXXX All accounts that have been charged off and/or are in collections/ student loans Violations of the Fair Credit Reporting Act ( FCRA 1. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) You are required to follow reasonable procedures to assure maximum possible accuracy. Given the recent lawsuit against Experian and Equifax for similar violations, your continued negligence in my case is unacceptable.2. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) If you have previously investigated these disputes and continue reporting inaccurate data, this constitutes a willful violation of the FCRA, which entitles me to damages under 15 U.S.C. 1681n.3. Reporting Information You Know to Be Inaccurate ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers must investigate disputes thoroughly. If the accounts in question can not be verified within the allotted time, they must be permanently deleted.4. Willful Noncompliance Resulting in Financial Harm ( 15 U.S.C. 1681n ) Because of your failure to comply with the FCRA, I have suffered financial damages, including credit denials and increased costs due to higher interest rates.

Demand for Immediate Resolution I am demanding that you permanently delete the disputed accounts from my credit file within five ( 5 ) business days of receiving this letter. Failure to comply will leave me no choice but to escalate this matter by seeking legal counsel and pursuing damages for willful noncompliance. 

Please provide me with a written response confirming the deletion of these accounts or a detailed explanation with supporting documentation proving their accuracy. If you fail to respond in a timely manner, I will proceed with legal action under the FCRA. 

This letter serves as my formal notice under federal law. I expect prompt action to correct these violations immediately. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

This letter is to serve notice of an error that occurred and a demand to resolve. 

On XX/XX/2021 the merchant, XXXX by XXXX deposited/credited a total amount of {$9200.00} into my personal checking account. I noticed after checking my account balance on XX/XX/2021 that- {$9200.00} was debited from my personal checking account by the merchant XXXX XXXX XXXX. I reached out to the financial institution, Navy Federal on XX/XX/2021 to request an explanation of why funds were reversed/taken. The explanation the representative of the financial institution, Navy Federal Credit Union provided me was " The merchant has up to 180 days to go into your account and settle any issues. '' I had to leave this issue right there after that exchange, because I felt, that what was being told /stated was in good faith the correct and right information, however on XX/XX/2021 I contacted the financial institution, Navy Federal and spoke with XXXX XXXX who informed me that she is no aware of such a rule that a merchant has up to 180 days to settle an account. I was faberglasted, confused and now determined to get to the bottom of this. 



As of today, XX/XX/2021 this matter has not been appropriately addressed. I want to have this resolved, as I believe this was an EFT error on the financial institute, Navy Federal. I would like to know ; ( 1 ). Why was I not given prior notification by phone, email or text of the EFT transaction that took place on XX/XX/2021?, ( 2 ). Does a merchant indeed have access to my account for 180 days in order to settle any discrepancies?, ( 3 ). Who authorized this EFT transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized EFT? 



I find that the financial institution, Navy Federal is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, Navy Federal pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/2021 and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, Navy Federal. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, Navy Federal to perform an EFT of my personal checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint # XXXX. I do not know how to add additional information to the existing complaint. Attached is additional info received from the company and a copy of a letter that I sent to them. 
Thanks
Product: Debt collection

Moved from XXXX to XXXX with XXXX on XX/XX/XXXX. Started new XXXX service XX/XX/XXXX unbundled due to lack of availability of XXXX phone and internet service. Account # stayed the same but I was being charged for extra XXXX and not receiving my bills on line. On XX/XX/XXXX I called XXXX and they stated they could not help me I had to call XXXX and speak with a representative and provided me with the phone number. I spoke with XXXX and they cleared up my account. Apparently I was being charged for XX/XX/XXXX under my XXXX account # XXXX and my XXXX account XXXX. XXXX credited my account the {$130.00} from my XXXX account number XXXX. In XX/XX/XXXX I received a bill for the {$130.00} and assumed it was an over lap in mailing. In XX/XX/XXXX I received another bill from XXXX for {$130.00} and called XXXX in an attempt to resolve the issue. I made several different phone calls and received the same answer : the billing dates were not duplicated. I finally called a number in DC ( i think ) that was sudence ppose to handle XXXX billing complaints. After several attempts to try and get her to see the overlap in dates, she finally agreed and stated I would be sent out a new bill. I waited for the new bill and what arrived was a letter from a collection agency, XXXX XXXX, account # XXXX.I have filed two separate disputes with copies of my bills and have received and email in both cases from Credence stating " XXXX states the charges are correct. ''
Product: Credit reporting or other personal consumer reports

i recently logged into my Experian credit file to see XXXX separate fraudulent XXXX accounts reporting each reporting a different balance {$3800.00}, {$3400.00}, {$6700.00}. i've made several attempts for an investigation from Experian, approx XXXX mins after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating. I do not wish to do business or contract with XXXX immediately remove what appears to be fraudulent information from my credit profile and stop your reporting said debt., i have never done business, signed any contract or documents with XXXX XXXX anyone they are collecting for, I do not wish to contract or do business with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Lending Club and it reporting that I was 30 days twice ( 1 ) time in XX/XX/XXXX and ( 1 ) time in XX/XX/XXXX. They have corrected this twice with XXXX but now its showing on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions with unknown address that I have never lived or have an knowledge of with this accounts as I have updated all personal information and address on file, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The address listed with these accounts are not mine as I have updated Transunion with may correct address how can this account be verified or considered mine when I have no knowledge of the address or accounts. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Transunions action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. This accounts are listed at addresses I have never lived or have knowledge of and continue to come back as verified and unsure how is this possible if Transunion is following the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes which they are not following and shows that they are in violation of 15 U.S.C. 1 - U.S. C, 1681i. These are the following accounts that have been " verified '' by Transunion which are all incorrect below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 appliance and furniture is showing twice on credit with same account number one with a balance and one without balance which I have no knowledge of and never lived at this address.
Product: Payday loan, title loan, or personal loan

I paid off my loan on XXXX XXXX 2017 and overpaid by about {$100.00}. I have contacted the company multiple times to get my money back and was advised that t can take 20-30 business days for my refund to be processed. Unacceptable. They want their money asap and if they do n't get it on the due date they start harrasing you the very next day, but yet it is ok for them to hold your money for almost 2 months?? That has to be illegal. I want to report them for theft and shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with GM Financial from XX/XX/XXXX - XX/XX/XXXX. Account number XXXX On XX/XX/XXXX The account was paid in full. 
Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.
Product: Credit card or prepaid card

I've attempted to payoff my Wayfair credit account via Comenity.net, numerous log ins, error message states account closed, unable to make payment. The number provided on site called most recently, the rep spoken with advised no settlement offer available if paid off in full, was told to call collections when account past due... There are at least two late payment fees on the account which are questionable and I believe could be removed as part of settlement amount, if offered.. As stated before, no such offer is available as account is not past due, according to rep spoken with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in XXXX both via phone and email to discuss an erroneous 60 day delinquency report on my credit bureau. I was alerted when my Fico Score dropped over 120 points by XXXX XXXX. I have made numerous attempts to get this resolved with XXXX XXXX but they continue to refuse to correct this error. I pulled copies of all three bureaus and XXXX XXXX went from reporting my account as current in XX/XX/2018 to 60 days delinquent in XX/XX/2018. 

I believe I know the trigger event. On XX/XX/18 I made an online payment for the total account balance. I did not login the following month as I had not made any purchases and had paid my account in full on XX/XX/18, the account showed a zero balance after the payment was made. The account cycle date was XX/XX/18 the statement with the XX/XX/18 does not show the payment I made on XXXX, it is reflected on the XX/XX/18 statement with an XX/XX/18 payment effective date. Although my statement from XX/XX/18 does not reflect my payment it does show a finance charge of {$4.00} which was not on the account when I logged in and paid it earlier in the day, again when I completed my payment my account showed a zero balance. I did not check my account in XXXX I knew I had not made any purchases. During one of the conversation I had with a XXXX XXXX employee she said if had waited until XXXX to make my payment this would never have happened. 

I sent a certified letter requesting the correction to their office in XXXX, OH and received the same response, that there was no error in the reporting. 

I take my credit very seriously and work in banking. This Fico score error is detrimental to my employment abilities not to mention my access to credit.
Product: Credit reporting or other personal consumer reports

My credit score has never improved for the years that they have been reporting it. Another reporting service gives me a credit score of XXXX Experian only XXXX or lower. I am told if I get an account XXXX, my credit score would improve to a higher score if I join your club at a nominal fee per month which to me is unacceptable. 
It keeps me from getting a proper loan at a good price etc. etc. 
Thank you for your time. Looking into this matter XXXX XXXX.
Product: Debt collection

In XXXX i took out a loan from a company called XXXX XXXX but soon after had health issues and loss of income which caused me to default on loan and loan was charged off. I had no contact with XXXX XXXX on this loan for over 6 years but did recieve offers for new loans from them. I did not accept any offer. In XX/XX/XXXX i checked my credit report and found a new collection account from a company called Security credit was placed on my report as an open account from XX/XX/XXXX. I did not recognize the account so i disputed its validity thru XXXX on three seperate occasions. Only after the third dispute did security credit send me a letter with originator information and ammount as well as an proposal to settle for 50 %. I have not replied to this as I was never been notified before loan was placed on credit report, and never had the opertunity to dispute this account. I am currently sending a cease and desist letter as outlined in the FDCPA and FDCRA to security credit.
Product: Credit reporting or other personal consumer reports

The car was voluntarily repossessed in XX/XX/XXXX. I agreed with XXXX XXXX XXXX on XX/XX/XXXX, to pay {$1500.00} and the account would be deleted from my credit report. I did in fact pay the agreed amount and the account should be deleted. However, XXXX XXXX states it would remove the item in 7 years. My complaint is that it still remains on my credit report after 7 years. It is going on for 8 years now. The amount has been settled, the account has been closed since XXXX and the car has been sold. The previous complaint resulted in the company removing it from XXXX. The negative item still remains on XXXX and Equifax. I have sent the company countless emails and they have not responded. I filed yet another dispute this week. I have paid the agreed settled amount and it has been more than 7 years. My XXXX report shows it should have been removed in XXXX XXXX and the report shows XX/XX/XXXX. How long will this go on? I have paid the settlement amount as agreed. I have waited over 8 years at what point do I get a chance to move forward in my life? Do to a family hardship ( the loss of my father ) I could no longer pay the car note. I surrendered the car in XXXX