23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I had a Bj 's credit card under XXXX XXXX with a balance of approximately {$3000.00}. Around XXXX, I s/w XXXX ( Bj 's # XXXX Ext # XXXX ) who confirmed that my account went into XXXX collections, and he transferred my call to collections. I spoke with XXXX XXXX ( XXXX Collections XXXX # XXXX ) He offered me a settlement proposal of {$2400.00} to resolve the debt. We spoke on their recorded line, and he confirmed multiple times that once I made the payment for that amount that The Bjs account would then have a XXXX  Balance. He also stated I would receive a XXXX  Balance letter in the mail within 12-14 days. He stated that the new Bank ( XXXX XXXX  ) will see a XXXX Balance upon the transition. The cut-off time frame for the bank transition was around XXXX and if a payment was not made with him before that time, he would not be able to resolve my debt. I made the payment of {$2400.00} with my checking account at around XXXX. My confirmation # for my payment is XXXX. 

On or around XX/XX/2023, I contacted XXXXXXXX XXXX again to follow up that I have not received my XXXX Balance letter. I spoke to an agent named XXXX XXXX id # XXXX ) and he transferred me to XXXX ( # XXXX id # XXXX ) to open up a case # XXXX to follow up why I haven't received the letter. 

On XX/XX/2023 @ approximately XXXX, I was contacted by XXXX from XXXX XXXX  collections ( # XXXX id # XXXX ). She stated that I have a Balance due to Bj 's in the amount of {$660.00}. She stated I have 2 choices. To have the amount waived off to XXXX Balance but my Bj 's account would be closed or either Pay the Balance which she can reduce the amount with a small credit ( less than {$100.00} ) and then I would be able to keep my Bj 's account active. I explained to her that I already made a settlement agreement, and I will be disputing the Balance. She advised that If I could provide a XXXX Balance letter it would resolve the matter. 

I have attempted to locate a letter mailed to me from XXXX but I am unable to locate any mail as I filed a claim previously stating that I haven't gotten a letter. I asked to have the call recordings released to verify everything that I am stating in regard to the agreement. I recently called XXXX and spoke with a supervisor named XXXX ( # XXXX id # XXXX ) who leadership advised her to tell me to contact XXXX XXXX in regard to this matter. I keep getting the run around and it's very frustrating.
Product: Debt collection

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}
Product: Checking or savings account

According to reply submitted to CFPB by XXXX with Capital One, an affidavit was supposedly sent via XXXX to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I have moved from this address as of XXXX of this year, needless to say, anything sent to old address by XXXX would not be received.. I've checked with my online XXXX account and delivery manager, there is no record of any package sent on XX/XX/XXXX from Capital One or anyone for that matter.. In the reply, the affidavit is referred to as another investigation, in which case I am not aware or familiar with any prior investigation as I do not believe there was one ... As far as I know, the only investigation done was by a XXXX XXXX whom attempted to imply I received check and or funds from it as she tried to claim the person whom intercepted and cashed check is related .... The person is not related and I've provided info in past CFPB complaints as to whom the person might be, those complaints were marked as duplicate numerous times to avoid acknowledging/addressing it ... Also, I've provided proof of whereabouts at time of check cashing including statement from driver whom picked me up on XX/XX/XXXX, statement from XXXX of XXXX XXXX, hotel where I stayed with check in/check out dates, XXXX Itinerary as well ... All documents show I left address on XX/XX/XXXX, arrived back on XXXX, these dates are within time frame check was cashed.. These documents were also ignored, no one with Capital One has reviewed them as far as I know.. XXXX XXXX also attempted to state a XXXX account is linked to myself and person whom cashed check, which it is not ... A statement from XXXX was provided showing no transfer of funds into or out of account for amount of check, XXXX, also ignored by Capital One rep ( s ) .. I believe any prior investigation to this one to be bogus.. I request Capital One mail me the affidavit to my current address, XXXX XXXX XXXX, XXXX XXXX, CT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 bureaus via certified and registered mail with return signatures on separate occasions in reference to disputes that I had sent and requested validation. Prior to this I had spoken to a representative via phone from XXXX  and they stated that I needed a document from the bankruptcy court to prove what I was saying about the public record. I contacted the us bankruptcy court spoke to a division manger who stated that they do not verify that info its a public record if someone has one and he would send a letter to  me indicating that I received the letter and I submitted the letter and previous disputes once gain to each CRA. On XX/XX/2020 I checked my credit and I saw that on both transunion and XXXX  they had removed the public record but immediately put it back on to my credit file, I am so confused because isnt that a violation in the first place because they had sent documentation in the past stating that they had verified this information Ive sent letters requesting the validity of my disputes and have yet to receive any correspondence on their procedures of verifying the validity of any disputes. None of the disputes has been resolved till this date XX/XX/2020. I initially had 5 derogatory marks when the public record was removed I had 4 now its back to 5 to prove my point.
Product: Credit reporting

The item is not mine. Company has n't deleted item after I provided proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue since XX/XX/2022. Nothing has been done or even the issue been resolved! XXXX XXXX XXXX XXXX ; Due to 15 USC 1681s-2 this issue need to be removed!
Product: Debt collection

I tried to send a notice to agency via certified mail and they refused delivery.. sent to address given on collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a credit report error to XXXX, Experian, and XXXX for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXX which an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score. You already removed one month out of the two so why was the 2nd one not removed?
Product: Debt or credit management

I forgot the dates, however I did use them a few years ago. I used them for about a year and a half.
Product: Credit reporting

Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. 
This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. 
I am requesting that the credit bureaus delete the information or correct it. 
Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I worked breifly for a mortgage company that made many misrepresentations about their pricing and funding times. I quit the company XXXX/XXXX/XX/XX/2014 and asked when they were going to pay me my final commission. They told me on the following pay period. When the following pay period came, they changed their story to say that I never originated the file. I have a sworn statement from the borrower saying that I was the only one who originated the loan. This mortgage company is committing fraud by saying someone else originated this loan. I have all the email correspondence between the borrower and I during the initial phases and a letter saying I originated the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax are blocking me from seeing my real credit report. I already hired an attorney and he found mortgage and bankruptcy on my social security number. The attorney sent dispute letters and all they did is send the same false credit report to me which is very confusing. The real credit report they never provided. It's locked up because they say everytime that they can't identify me, but I already provided my documents to them, but they ignored that.
Product: Mortgage

Ditech financial took over my greentree home loan. Every month they some how XXXX up my payment, then add on late charges. After that they call me during work telling me I owe them a more than twice as much as my normal payment. The only response from the representative is " that 's what our records show ''. I have automatic payment, how do they seem to mess it up? So frustrated. They XXXX me off so bad I told them to come and take my home. About 2 days later they sent a representative out to my home and kicked the door in and left a note. I have tried very hard to keep right with them, they always find a way to be able to charge me extra for their own gain. I really hate greentree and ditech..
Product: Debt collection

Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt.

*Proof of ownership with my approval to sell this debt to a third party company *Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

Transunion and XXXX did not help me remove these unauthorized inquires 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: Debt collection

I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were CLM, capital link management and were a mediation company and not the debt collector. The debt collector was actually XXXX XXXX. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : 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: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 an 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 or 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, credit repair services, or other personal consumer reports

During the summer of XXXX, I noticed that my Equifax credit report was not changing as my spouse 's file whom I share the same creditors. So I viewed my report and noticed that none of my accounts had been updated in contrast to those of XXXX and XXXX. I looked back a year when my last Equifax update occurred. 

So I contacted Equifax and they took all the necessary steps to prove my identity. After I assured them, they were satisfied to answer my questions in which they said that nothing was wrong with my report and they would send me a paper copy in the mail, and when I get the paper copy, to call them back, and they will update my credit report. So, I did... 

The update didn't come but I remained patient figuring they will get it right sooner or later, but that day never came. 

XX/XX/2022 I was applying for home loans. Still, when I go on XXXX XXXX, my Equifax report was still the same. So I just apply for mortgage loans anyway. Then the loan companies were telling me that they couldn't get my Equifax credit report at all, as if it were a credit lock on it. So I call Equifax again and they took me through the same questionnaire and wanted to send me another paper copy before they would update my report and I wasn't going for that this time. 

I told them that I see no need for them to send me a paper copy to prove who I am for them to report the information that creditors send to the bureau. It's their responsibility to do so. 

So, they refused to do so and I filed a complaint with the XXXX. Equifax kept answering my complaint as if they never even read it or viewed the attachments, but had an already prepared template that kept repeating the same nonsense, about how credit bureaus work. The XXXX  didn't do much and closed my case because they couldn't get Equifax to comply with a simple demand. 

So, that's why I'm contacting this bureau. The XXXX arrogance of Equifax representatives is leaving me to be turned down for financial services because creditors are unable to retrieve my Equifax file. If left up to Equifax this issue may never be resolved, and I could be in financial hardship because of this. Now, I'm starting to feel something illegal or unethical could be going on with my credit file at Equifax and they are being allowed to keep me in financial distress. 

I only want them to update my credit file and make it accessible to creditors, but if I'm to experience even more damage from their incompetence I will be pursuing for recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two to three disputes to XXXX regarding a bankruptcy and inquiries. 
I submitted the bankruptcy disputes on XX/XX/XXXX and XX/XX/XXXX both came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from XXXX stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking. 

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others. 
XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im extremely mad with Equifax because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) and a other ( XXXX XXXX XXXX  ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX are reporting these accounts but Equifax fails to report these accounts. I called Equifax multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are noncompliant to the law