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

After several failed attempts to work with Experian on the update and remove inaccuracies, this is my last stop before litigation. Experians ' lack of process in properly verifying inaccuracies in my report has caused damage to my character, reputation, and my ability to acquire a mortgage. Most recently I mailed out disputes certified to Experian on XX/XX/2023. These disputes were received and signed for on XX/XX/2023 ... After a few days, I started receiving emails stating that I did not send the disputes and they refused to process them, attached with the dispute was a copy of my INDL, MY SSC, a Copy of my Utility Bill, and a notarized letter, stating these disputes are being requested by me... Furthermore, Experian has failed to process a proper dispute, just simply stating items are " verified ''. Upon requesting the method of verification, no information has been provided. This requires Experian to remove ALL items disputed. When I tried to refile the dispute, by uploading the documents per instructions on web site. I received an error stating the site was down... I then called and spoke to an agent named XXXX on XX/XX/2023. She stated that she checked with the IT team that no error was found and that the upload site was working properly. When I asked why and what I needed to do for further disputes to not be denied. She stated that I needed to attach the documentation showing that it was me. After looking at the disputes she stated that she was able to view the letters and that she saw no reason why they were not going to be processed. She then asked someone on her team to see why there were turned away. she came back and stated, " THEY WERE DENIED BECAUSE THEY APPEAR TO BE SUBMITTED BY A CREDIT CLINIC ''. I use tax software to help with my taxes, as well as software to help with my disputes. This delay is considered a willful disregard of my rights as a consumer.
Product: Student loan

I am trying to apply for Public Service Loan Forgiveness ( PSLF ). I have been on XXXX XXXX in the Minnesota XXXX XXXX XXXX since XX/XX/XXXX.  Qualifing payments for the PSLF program started on XX/XX/XXXX. I should have reached the required 120 qualified payment at the end of XX/XX/XXXX. I have called Fedloan Servicing at least 3 times to have my qualifing payment histrory reviewed by an auditor. Each time I received differing numbers of qualifing payments. My employment certification shows I have qualifing service from XX/XX/XXXX through XX/XX/XXXX, which equals 7 years and 10 months. It also shows qualifing service from XX/XX/XXXX through XX/XX/XXXX which equal 1 year 3 months. I submitted a employment certification letter to verify my service from XX/XX/XXXX-XX/XX/XXXX. This should give me 10 years of qualifing payments. Fedloan Servicing has sent me letters stating I have 12 qualifing payments, 65 qualifing payments and 84 qualifing payments. Please see attachments. I should have 120 qualifing payments by now. I requested documentation showing my entire payment history broken out and which payments were considered qualifing payments and if any did not. To date, I have not received the detailed payment history I requested.
Product: Credit card or prepaid card

TransUnion is a publishing company that is in the game of advertising on peoples Credit Worthiness or reputation as defined as congress. TransUnion is in fact reporting/Advertising negatively, inaccurately on my credit card as defined by congress which has put me in financial hardship that has not allowed me to use my open end credit plan.

15 USC 1602 ( l ) : means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This has been an ongoing problem for more than a year now. I have not asked for anymore reinvestigations but for TransUnion to show me permissible purpose that they have to report on my credit card. They have no consent and we are not engaged in contract to report on my likeness. No consent is identity theft.

Today I have mailed an Affidavit of truth showing proof that TransUnion is in fault for completing reinvestigations without my consent. 15 USC 1681d ( D ) ( 1 ). They have never had my consent to report anything on my likeness which is a violation of 15 USC 1681b ( 2 ) : in accordance with the written instructions with consumer who it relates. 
I have no more time to waste with frivolous reinvestigations when TransUnions does not do investigations in accordance with congress 15 USC 1681a ( e ) information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on.

They have never taken the proper channels to investigate properly. This a request for a reinvestigation or dispute any matter
Product: Credit reporting or other personal consumer reports

I have sent dispute that you have failed to investigate and correct the matter XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXXXXXX XXXX Cell Phone with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 3 late payments. On my XXXX report there are 1 late payments being reported. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
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 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 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

At this time, I am offering a settlement to the XXXX XXXX debt purchased by Portfolio Recovers Associates, LLC in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask Portfolio Recovery Associates, LLC to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe XXXX XXXX XXXX XXXX. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the Portfolio Recovery Associates, LLC claim. My phone number is posted in this CFPB request to monitor Portfolio Recovery Associates adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider zombie debt collections. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the Account stated in this document. Previously, I disputed this account ( XXXXXXXX XXXX XXXX ) information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt Tell me how is this possible when you have employees and automated systems in place reviewing and judging hundreds including my disputes within seconds. It's no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself and they have failed to validate the debt is owed by me. I have every right to believe this debt was not validated exhibit A. You sent me my investigation paperwork with the WRONG NAME ( XXXX XXXX XXXX is not my name ) You would know that if you actually investigated and read anything I Sent. 
Exhibit B. Any past due medical bill I had was paid in agreement ( Receipt with pictures ) Exhibit C. You nor the company ( XXXX XXXX  XXXX XXXX has any valid receipts governing and proving I owe them any form of debt ( I am also requesting each of you to send me any proof of any debt owed to them ) Your agency and this debt collector is in validation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.__ Except for information or any communication of information disclosed as provided in., the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is -- ( A ) Medical information ; ( B ) An individualized list or description based on the payment transactions for medical products or services ; or ( C ) An aggregate list of identified consumers based on payment transactions for medical products or services. 

Your also in violation of 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.

Under 15 u.s.c Sec. 1681 ( a ) You must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. 
If you can not verify the item pursuant to FCRA. And you continue to report it on my credit report. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. Including a smalls claims court in my area. This is my warning. I demand you to delete this ( XXXX XXXX XXXX  ) at once.
Product: Debt collection

Kay Jewelers assigned a company to collect money on their behalf. I find it very shocking since I had my wages garnished from Kay Jewelers in 2016. For the past month, my life has been a living XXXX. My elderly mother is getting calls daily, my ex wife of 20 years ago is getting abusive phone calls. Also, my uncle is getting abusive and harassing phone calls, not to mention my current wife is getting the same calls as well. The last straw is when my current in laws or now getting harassing phone calls!!!
Product: Credit reporting

Credit reporting transunion agency has ignored my request on a disputed account and did not honor New York State law XXXX In addition Credit reporting agency listed account to be removed off credit report on XX/XX/2016 and did not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for homes and Appt and fraud is on my account. I have never committed fraud and unsatisfactory credit is n my account. I have not gotten anything on my credit IIm 10 years why are things still lingering on my credit from ten years go
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Inquiries that are not mine. Please remove.
Product: Credit reporting or other personal consumer reports

My wallet was stolen in XXXX and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of 15 USC 1681B. Further furnishing account in direct relation to identity fraud is in violation of 15 USC 1681 c-2 I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX SELF-REPORTED ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. DEPARTMENT OF EDUCATION ACCOUNT # 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 DEPARTMENTS OF EDXXXX 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 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Product: Money transfer, virtual currency, or money service

So i want to say on or around XX/XX/XXXX, I was at home getting ready to head to bed an i wanted to check my chase app before sleeping since it was payday. I open the app an see I was charged {$1300.00}. ALOT of money. an it was XXXX to someone. I later found out that a website I used, was breached an had been hacked. It was a computer website that had my card information as I was hoping to pay for something once i payed all my bills. I did not have anything in my cart nor did i save anything. So although i may not know XXXX % that was it since i was told via a friend that it also happened to but i can say i did not spend that amount of money an never will over a website. So chase than never gave me updates nor correct information on my claim than would talk about the case in a way that would be making me the bad guy as if im scamming people when i feel they should be helping me figure this out. At one point i tried to make a example of what it could be an the guy proceed to than assume i was being literal after many times i said " for example '' than would get smart mouthed with me. They than dont show any reasons on why my claim was denied. I want my money back as it IS fraud and with all there research, there isnt a way it is in the favor of being not fraud. I feel robbed an let down by a bank i really liked an felt would help with these things. They didnt help with my claim. I felt more as if i was being integrated rather than my claim being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase sho ws an equity loan still open when in fact in was paid and closed Still shows delinquent
Product: Debt collection

At some point my identity was stolen to purchase a XXXX XXXX in Illinois using an Illinois address, I have never purchased a XXXX XXXX from XXXX nor have I lived in Illinois. I have brought this to the attention of CONVERGENT OUTSOURCING but they have not responded or investigated and only rubber stamped their own verification. It is horrible to be the victim of identity theft and it is made worse when people affect your credit and come after you for things other people stole.
Product: Credit card

In XX/XX/XXXX I took advantage of two different offers from Bank of America. One was a balance transfer offer on an existing account, and the other a new credit card offer with a {$200.00} cash bonus. Almost immediately, the new credit card was flagged for fraud and disabled. I spoke to the fraud team and identified one fraudulent charge. They sent me a new card. 

In XXXX, I attempted to login to online access and pay my account, my online access was disabled. I called Bank of America and the customer service rep was unable to unlock the account. At this point I requested paper statements for both accounts so that I could maintain on-time payments. The rep indicated that the issue would be escalated. 

A week or so later online access was still unavailable, so I called to make a payment by phone. The rep was confused, as they were not able to accept payment. Again the issue was to be escalated. 

I received a late notice by mail, and remitted payment using paper checks. 

In XXXX I called again and requested paper statements, as I have not received them and my online access was still blocked. The rep was not able to accept payment, nor access the accounts. Yet again the issue was said to be escalated. 

In XXXX I received another late letter and I remitted payment via paper checks. I drafted a letter detailing the situation and sent via US Mail to Bank of America customer service demanding resolution to include reversal of late fees and restoration of online access. I have not received any acknowledgement of that letter. Shortly thereafter however, I received a letter indicating that my account had been closed ( this pertains to the new account opened in XXXX ). I've gotten no notice related to the existing account that was in good standing and XXXX balance before the balance transfer in XXXX. 

In XXXX I again called customer service and explained the entire situation. At this point the calls are repetitive, as reps have no idea how or why the accounts are in the status they are. 

Today ( XX/XX/XXXX ) I called and was informed that both accounts are closed and in collections. I am furious about this, as my credit has been negatively affected, the interest rates are raised to default rates and I am being treated as a deadbeat EVEN THOUGH MY PAPER CHECKS HAVE BEEN CASHED and reps have confirmed that payments are posted to my account.
Product: Credit card

I opened a new American Express XXXX XXXX XXXX card a couple of months ago. Based on the online promotional offer available in American Express website for this credit card, I should receive XXXX miles after spending {$2000.00} purchases. I have already met the purchase requirements. However, I only received XXXX miles from American Express in terms of opening bonus. 

I request American Express to post the additional XXXX miles to my XXXX XXXX account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I noticed several erroneous names and other information on my Equifax report. One was that it listed me as putting an " Active Duty Alert '' on my account. I have never been in the military. I called. The people on the phone want outrageous amounts of information like on what date I opened a credit card or what the last amount was on a credit card. My husband pays the bills and we have quite a few credit cards. How can someone remember in XXXX what their outstanding balance on one card was in XXXX or what card was opened in XXXX? So I had to hang up. I went on line and reported the errors. The Equifax system would now allow me to change the " Active Duty Alert '' even though there was a button to " manage alerts ''. So I submitted requests to fix the name and address issues. I faxed and mailed a letter on XX/XX/XXXX to Equifax. In XXXX I checked the account and some info was fixed. I fixed what was still wrong. BUT, the Active Duty Alert was still on. I faxed and mailed another letter on XX/XX/XXXX. In XXXX I checked again and once again the " Active Duty Alert '' was on the account. I sent yet another letter to Equifax. All of my requests have been ignored. I just checked and the Alert is STILL on my account despite 3 phone calls, 2 faxes and 3 letters over almost 6 month. For some odd reason someone else or Equifax was able to set up the Active Duty Alert but they will not take it off when I tell them that I did not request it and that I am not on active duty. I've called several times to fix it and each time I get people who are outrageous in their requests for information from me. At one point the person was delving so far into my life that I hung up. Equifax should not even be allowed to operate in this arena, they are that bad. They are disgraceful. I'm attaching the two faxed letters. The second faxed letter from XXXX was actually mailed again in XXXX but it was the same letter.
Product: Debt collection

My ability to obtain credit is being affected by this debt that is not mine.
Product: Checking or savings account

On XX/XX/24 I received a letter via XXXX from Bank of America dated XX/XX/24 indicating that they have made the decision to close our personal checking account. This account was established about XXXX  years ago. We use this account to receive direct deposit via XXXX of a semi mothly corporate paycheck and for bill pay. Most bill pay transactions are on autopay for monthly bills such as mortgage, utilities, rent averaging about XXXX transactions per month. We have never bounced a check. We have never overdrawn this account. We do not deposit cash, we do not withdraw cash. We do not use the debit card associated with this account. We typically do not send wires. We do not own a business. The letter states the decision is final. There is no explaination as to why they would take this action.