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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I have paid this debt off for a lesser amount. They are refusing to provide a delete letter to the credit bureaus. They stated they were advised by the CFPB not to do this. I have this conversation recorded stating this!! Now, they are refusing to speak to me or the credit bureaus to fix my credit!
Product: Money transfer, virtual currency, or money service

Completed a XXXX transaction in XXXX  that I was trying to confirm if money was sent to the correct person. The Wells Fargo representative was unable to resolve my problem until the transaction was complete. This caused a delay in a payment process.
Product: Debt collection

I was called on XX/XX/XXXX about a debt originally from my JC Penny credit card through GE Capital dating back to XX/XX/XXXX. When I asked about the Statute of Limitiations on this debt they said it was 7 years. I asked again and was told 5 years. This is not true, according to Kansas Statute KSA 60-512 the limit for action on credit card debt is 3 years. 
The debt collector also said that they were calling to help us avoid being sued for the debt with a trial on Thursday XX/XX/XXXX. I have never recieved a summons for this date. 
On XXXX/XXXX/XXXX the debt collector called again and did not believe me when I told them the statute of limitations is 3 years but said she was not familar with Kansas Law. Again they said they were calling to help us avoid a court date this time on Thursday XX/XX/XXXX, again i have never recieved a summons for this court date. During this call I asked them for their name, company, and street adress. They said their name was XXXX XXXX from XXXX XXXX XXXX but would not provide a street address, saying that they can not give the address due to terroristic threats. They did provide a fax number XXXX. 
Also they continue to use my maiden name even though this debt is from after my marraige. 
I have tried searching for thier information using the Company Name, XXXX XXXX XXXX, the fax number they provided and the phone number they called from. I have not been able to locate any information about this company and am therefore unable to make any written requests related to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed a remark that was on my XXXX credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again XXXX  has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX department store months ago.i dont no why XXXX put this remark back on my report. This is wrong information.
Product: Credit reporting or other personal consumer reports

Company : Rent recovery solutions Date : XX/XX/2019 XXXX In accordance with The Fair Credit Reporting Act XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, they can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible they should not report any claims that you know or should know are not in compliance with regulations and the law. If they do report such claims, they could be subject to fines or other penalties. Furthermore, reporting claims that they know are not in compliance could damage the reputation of they company. I am writing to inform them that they need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I have given you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize they to take whatever steps are necessary to correct my credit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ XXXX, Equifax, XXXX ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, Equifax, and XXXX for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report. 

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report. 
Despite my repeated requests for the method of verification, none of the XXXX credit agencies have complied with this requirement, thereby violating the FCRA. 
Sending Stall Letters : I have received multiple stall letters from XXXX, Equifax, and XXXX. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that XXXX, Equifax, and XXXX immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance. 
Conclusion : I seek the CFPB 's intervention to ensure that XXXX, Equifax, and XXXX comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Debt collection

After a review of my credit report I noticed a debt that was put on my credit, i contacted the company to let them know its not my debt thats old and they did nothing about removing this debt only said I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the CRA 's part to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting

I have requested on XXXX occasions now that Transunion remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Transunion refuses to conduct a proper dispute. Letter is attached from XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter dated XX/XX/2023 to Equifax disputing an account reported on my credit. 
This letter was sent out as written below : XX/XX/2023 Dear Equifax, I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below account you are reporting. 
I previously requested that you provide the original contract for the item that I previously disputed that are listed below. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

-Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : {$7400.00} Collection Balance : {$7400.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX This was the second letter sent due to receiving a response to my first letter where only one account was removed. And no further information regarding the above account in dispute. 

Ive received the Domestic Return Receipt For the letter sent out on on XX/XX/2023 and so I know its been received as of XX/XX/2023
Product: Money transfer, virtual currency, or money service

Ive been having issues with Robinhood regarding funds I have in a account that I cant withdraw. One year ago I deposited some money for stocks I later found out my bank rejected the deposited cause they thought it was fraud so I had to call and verify it was me the next couple of days I received a email from Robinhood deactivating my accounts and holding the funds I had in my account I repeatedly messaged Robinhood to explain why I couldnt withdraw my funds they wont explain to me or let me talk to anyone regarding the matter this is very frustrating and borderline criminal I sent in id verification but no one has gotten back to me I really want to get my money back and never use Robinhood again criminals
Product: Credit reporting or other personal consumer reports

I am a natrual person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX Account # XXXX Amount : {$7800.00} XXXX XXXX XXXX Account # XXXX Amount : {$4200.00}
Product: Student loan

I submitted a complaint against nelnet over a month ago but NEVER got a response. 


Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people 's money!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I linked my XXXX XXXX XXXX account to my newly opened Chime account. On XX/XX/XXXX I transferred {$16000.00} into my Chime savings account. On XX/XX/XXXX I attempted to transfer {$10000.00} from my Chime checking account back into my previously linked external XXXX account. 

Upon further review, I noticed that the last four digits of the XXXX account did not match any of my XXXX account information. I immediately contacted Chime support and tried to cancel the transfer. Chime notified me that the transfer had settled and I must file a dispute. I filed a dispute with the claim ID XXXX on XX/XX/XXXX. 

First thing Monday morning I contacted Chime support for an update about my claim and was told a claim did not exist. I then filed another claim with the ID XXXX and was told a resolution would be found by XX/XX/XXXX. 

I received an email on XX/XX/XXXX at XXXX notifying me that Chime found no error, no funds would be credited to my account, and the claim is considered closed. 

It has been less than 12 hours since the second dispute has been filed. I do not believe that less than 12hours is an adequate amount of time for a proper investigation. Chime has estimated up to 10 days to provide documentation of the dispute decision. I have requested a copy of the dispute documentation but Chime has failed to provide it at the time this complaint is being filed. 

Chime connected an unknown external account to my account then did not file a proper claim. This gross negligence has resulted in a considerable financial personal loss.
Product: Consumer Loan

In XXXX XXXX, I purchased and financed a vehicle through Volkswagen Credit. Shortly after, Volkswagen admitted to having deceived its customers through fraudulent emissions practices in it 's diesel vehicles. The vehicle I purchased was a XXXX XXXX XXXX, a diesel car that was impacted by Volkswagen 's fraudulent practices. I have contacted Volkswagen Credit on several occasions to request that the take the vehicle back and eliminate the loan from my credit. I have been told that if I stop paying the car loan, the car will be repossessed and will impact my credit score significantly. I have continued to pay the loan and am current, but feel that there is rampant fraud throughout this issue. I do n't believe myself or other consumers should have an obligation to continue to pay on financing for vehicles that were sold deceptively. I have made no progress working directly with Volkswagen. Seeing as the company sold and financed a fraudulent product, I am hoping that you can help me.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for AFNI INC. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Afni Inc . I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

Have over draft many times.two credit card over10years put two much interest on me.
Product: Mortgage

I have done everything in my power to make all the necessary arrangement with the Bank, when I found out that my ex-husband was not providing with the payments to XXXX XXXX XXXX XXXX back in XXXX, and according to the Bank they were not able to provide to me with any information about the status of the Mortgage since the loan was under my ex-husbands name : XXXX XXXX. Unfortunately, was going thru XXXX XXXX and unable to obtain any information from him until XXXX XXXX XXXX offered me the help to resolve my situation, but they stated if I get the Divorce will be easy. 

Back in XXXX I went to Court to be able to obtain a Modification with the Bank and take over the Mortgage but was transferred to XXXX XXXX XXXX  and they stated that they still need XXXX XXXX signatures on the Loan Modification for me to continue with the process and payments. Unfortunately, XXXX XXXX was refusing to sign anything that concerns with the Property, or to go to Court to make any arrangements. XXXX XXXX XXXX advised me to get the Divorce and the Lawyers, and the Court will mandate it to sign off the house to me, and I will continue making the payments or obtain the Loan Modification. My goal was to keep the house and continue making the payments, but everything was delayed due to COVID-19 pandemic situation. A new Deed is recorded in XX/XX/XXXX under my name : XXXX XXXX XXXX. 

XXXX XXXX XXXX offered me the help with the Foreclosure and advocate with XXXX XXXX XXXX in assuming the Loan and apply for the Loan Modification under my name : XXXX XXXX XXXX and my daughters name : XXXX XXXX XXXX in XX/XX/XXXX. According to XXXX XXXX from XXXX XXXX XXXX : Application and Documentation was submitted In XX/XX/XXXX, but for some reason, application and documentation was re-submitted again in XX/XX/XXXX. No word from XXXX XXXX XXXX or XXXX XXXX XXXX until XX/XX/XXXX. when XXXX XXXX, Paralegal from the Prevention Unit, called me to tell me that Loan was denied and the Bank will put the house for sell, but I received a letter from the XXXX in XX/XX/XXXX that the XXXX granted the date for an extension for XX/XX/XXXX. ( Who should I believe ) My concern in this situation is that XXXX XXXX XXXX is refusing to speak with me as they are only corresponding with XXXX XXXX from the XXXX XXXX XXXX, but the Bank is not only refusing to provide me with any answers or other alternatives to save my house, but correspondence is coming from Mr. Cooper where this Institution is explaining about the denial, and the letter is addressed to XXXX XXXX XXXX. Nothing is engaged to me ( XXXX XXXX and my daughter XXXX XXXX, about the denial on the Loan Modification as the Applicant and Co-Applicant. I will have to consider myself a Victim of this Institutions in regards of the Mortgages Cases, being the XXXX homeowners. 

Sincerely and respectfully, XXXX XXXX XXXX XXXX # XXXX Address : XXXX XXXX. 
XXXX NY XXXX Phone # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive daily text messages from True Accord advising that a debt is owed by me. To date, no communication or validation of the debt has been received. This company is in violation of the FCRA reporting standards.
Product: Credit reporting 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 has violated my rights. Or a list of inquiries : 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 card or prepaid card

On XXXX XXXX I filled aout a credit card application with Capital One. I was accepted to receive a card but once I put some of the deposit in they said and listed my Social security number with another person 's information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing some negative accounts on my credit report for almost a year and they still haven't been eliminated, I need some kind of answer with my case