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

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

HRRG calls repeatedly, several times an hour, but spoof their calls. Calls look like they're being placed by XXXX XXXX, XXXX, XXXX, XXXX, XXXX, etc ... .. 
If you want me to pick up the phone, you may want to be honest about where your calling from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit reports that I thought came off after 7 years. It is almost 10 years now, what is the exact date this will fall off my credit report?
Product: Student loan

While enrolled in a XXXX program at XXXX University, Navient charged me Late Fees each and every month. The terms of my loan state that loan payments are deferred WITHOUT late payments when enrolled as a student. 

Beyond the late fees, Navient has consequently harmed my credit score.
Product: Credit card

I have a Wells Fargo Credit card with {$18000.00} credit limit. Besides being on auto pay, I made an additional payment of {$17000.00} on XXXX to free up available credit so I can continue to make purchases. 
When I made this additional payment, it cleared my bank account XXXX and was listed as a {$17000.00} payment on my WFCC  XXXX. It does NOT however give me more available credit. WF says they can take up to 20 days to post it to my credit even though it has cleared my bank and theirs.

There was nothing in the credit card application with this information. When the payment was made to the CC, I get a confirmation that says : When will this transaction take effect?

Transactions submitted by midnight Pacific Time will be sent immediately and will take effect the same day. You can not cancel the transaction once you submit it.

If you make a payment on the last day of your statement cycle, well apply it to your account that day. Note : These payments may not appear on your monthly billing statement or your credit report until the following statement cycle.

What happens if there isn't enough money in my account to cover this transaction?

If the From Account does not have enough money to cover this transaction, your payment will be reversed from your credit account and fees may apply. Please refer to your other bank 's policies on insufficient funds and overdraft protection.

How will this transaction be processed?

It may take up to four ( 4 ) days to fully process this payment between Wells Fargo and your other bank. This does not change the date your payment will take effect. 

Please do not reply to this automated email. 

XXXX XXXX XXXX XXXX XXXX I have never heard of anything like this and feel it is illegal to treat my payment as such. 
Please let me knwo if they have the right to do this based on my payment confirmation.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding a critical issue that demands immediate attention. Equifax is refusing lenders access to my credit report, causing significant distress and impeding urgent medical matters. 

On XX/XX/2024, I removed my security freeze to enable a lender to access my Equifax credit report in connection with a medical emergency XXXX. Despite numerous attempts, the lender has consistently faced obstacles in retrieving the necessary information, thereby hindering essential medical procedures. 

On Wednesday, XX/XX/2024, I escalated this matter by speaking with a supervisor at Equifax. The supervisor confirmed that there were no fraud alerts, blocks, or security freezes on my account. However, they suggested verifying the correct spelling of my last name with the lender, implying that this was the sole barrier preventing access to my credit report. 

Following confirmation of the accurate spelling with the lender, the issue persisted. Yesterday, Thursday, XX/XX/2024, I made further efforts to resolve this matter by contacting Equifax 's office of consumer affairs and speaking with a supervisor. Unfortunately, I was informed of a glitch within Equifax 's system causing the obstruction. Despite assurances that this glitch would be rectified within a two-hour timeframe, the lender remains unable to access my credit report as of this morning. 

I can not stress enough the urgency of this situation. The delay in accessing my credit report directly impacts critical decisions regarding medical care and financial arrangements, leaving no room for further postponement. 

Such service deficiencies and prolonged delays are utterly unacceptable, particularly given the seriousness of the circumstances. I implore Equifax to address this matter with the utmost urgency and to take immediate steps to rectify the situation. 

I request prompt communication regarding the actions being taken to resolve this issue and ensure that such impediments do not recur in the future. 

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

XXXX XXXX  flagged my credit report for a debt that is not mine. This account shows up on my credit report as flagged and I want it removed.
Product: Checking or savings account

In XX/XX/XXXX I opened a secured flex line of credit with 5/3 Bank using my MM Savings Account ending in XXXX as cash collateral in the amount of {$5000.00}. I went to a 5/3 Branch and closed my secured flex line account on XX/XX/XXXX. As of XX/XX/XXXX i was no longer able to transact on that account. Since the account was closed with a {$0.00} balance the bank is to release my funds off hold in the MM Savings account ending in XXXX, making my available balance back to the {$5000.00} that was on deposit. I have contacted the bank several times and they wont give me back my funds and wont give me any time lines of when it will be available. They are hindering me from using my funds and to make purchases as such.
Product: Debt collection

I moved out of a house at the end of XXXX. The landlord walk the house in XXXX and sent what I had to pay to the collections company at the end of XXXX on XX/XX/XXXX they put it on my credit report. Never got a letter from the landlord to see if I will pay them it just went straight to collections. The Pro Collections People are so rude and want send me a break down of what I have to pay. Plus the amount they put on my credit report was wrong and now I having a hard time getting a place.
Product: Credit reporting or other personal consumer reports

You have violated my federally protected consumer rights. Here is the list of violations : : Under 15 USC 681 ( A 0 in no moving the inuies top it wilty accoas fraudulent, due to identity theft. The result of that caused me to be denied for personal credit. Since you did not follow through with my instructions, you have undermined my confidence in you as a reporting agency which is essential to the continued functioning of the banking system. You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, YOU DID NOT REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED 15 USC 1681C ( D ) ( 2 ) INACCURATE KEY FACTOR INFORMATION The unverified items listed below remain on my credit report in violation of Federal Law ... You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? With that being said, I HAVE FULL FAITH THAT YOU violated 15 USC 1681c-2 ( B ), you DID NOT notify the furnisher of the information because you DID NOT provide me with documents proving that and since you are required to do that under FCRA & Federal Consumer Laws, I need you to ... promptly DELETE all information in 4 days of receiving this third attempt. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Under FCRA Section 617 & UNDER 15 USC 16810 ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. I have a list of demands that need to be met in a timely manner I demand the following accounts be deleted immediately demand the following accounts be deleted immediately WITHIN 4 DAYS. Please remove all non-account holding inquiries over 30 days old. Please add a Promotional Suppression to my credit file. Look at my invoice for my monetary remedy for my emotional damage, anxieties and stress
Product: Credit card

XXXX XXXX stated he was calling from Wells Fargo to report a suspicious application from XXXX, TX using my SS #, address to apply fir credit. He gave me a case # XXXX Phone # XXXX Connected me to XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

in XXXX I received notice of an unpaid debt to XXXX XXXX XXXX from a collection agency named XXXX  and I filed a complaint with CFPB. Since this was a clear case of ID theft, XXXX did not pursue this debt. In XXXX of this year ( XXXX ), I received the same claim from another debt collection agency named Radius Global Solutions, LLC looking for this same claim on an account that was clearly not mine. I did manage to speak to someone at XXXX XXXX XXXX this time to find out more about this account and even they agreed it was fraudulent. the account rep I spoke to made notes in the XXXX XXXX XXXX file that would show the account was fraudulent and there was nothing they could do about it now because they sold that debt years ago. 
The XXXX & XXXX account was not opened by me, and therefore will not pay any money to resolve this erroneous debt.
Product: Vehicle loan or lease

ON XXXX XXXX XXXX LOAN MART GAVE ME A LOAN OF {$2600.00} AT THE AGREED YEARLY INTEREST RATE OF ONE HUNDRED TWENTY EIGHT POINT NINETY TWO PERCENT ( 128.92 % ) AGAINST MY CAR XXXX XXXX AS A GUARANTY SO FAR I HAVE PAID {$20000.00} NOW STILL I HAVE AN OUTSTANDING BALANCE OF {$3000.00} I INDEED APPRECIATE LOAN MART 'S ASSISTANCE, WHEN I NEEDED THE MONEY, BUT AT THIS POINT, WHEN I AM PASSING THROUGH A VERY TOUGH FINANCIAL SITUATION, I RESPECTFULLY REQUEST MY DEBT TO BE SETTLED WITH A FINAL PAYMENT OF {$1.00} WAVING THE REST FROM THE PRINCIPAL. 
OVER THE PAST SIX YEARS, THE INITIAL FINANCED AMOUNT HAS ALREADY BEEN PAID MORE THAN SEVEN AND A HALF ( 7 1/2 ) TIMES. 
IF I WAS IN A BETTER FINANCIAL SITUATION, I WOULD NOT MIND CONTINUING PAYING MONTHLY PAYMENTS. BUT AT THE PRESENT TIME I CAN NOT, DUE TO VERY POOR BUSINESS RESULTS DURING THE PAST SEVERAL YEARS, THAT DRAINED ALL MY LIFE SAVINGS.
Product: Checking or savings account

I had savings account with XXXX XXXX. I opened up new savings account. With trust which was still SunTrust at the time. On XX/XX/XXXX I did an external transfer for {$10000.00} from XXXX XXXX savings to SunTrust. Money left XXXX XXXX account but never made it to SunTrust account. I've spoke to both Banks on the phone several times. Went to SunTrust and spoke to 4 different people. I've got several emails from XXXX XXXX. Both Banks are pointing at the other saying it's their issue they need to solve it. Neither bank will communicate with the other. Here it is XX/XX/XXXX and my savings still hasn't been put in account neither bank in a doing anything about it. {$10000.00} that was my life savings something needs to be done. What are my options? What type of lawyer do I need to handle this?
Product: Debt collection

When calling customer service anout a {$300.00} payment made on XX/XX/XXXX, the company refused to srnd me a fax number or an address to forward my bank transaction statement showing the money sent and not returned to XXXX for {$300.00}. The customer service rep refused to email any address, email, or fax number for the bank statement to be sent to showing {$300.00} was paid to Santander and not sent back to XXXX.
Product: Debt collection

Aargon Agency Inc showed up on my credit report on XX/XX/XXXX saying that I owed a debt of {$1000.00}. The original debt being owed to XXXX XXXX XXXX XXXX I called Aargon immediately because this is not a debt that I owe. I let them know that in XXXX XXXX XXXX XXXX XXXX XXXX  added this debt to my credit report and I proved that I did not owe this debt and it was removed from my credit report in XXXX XXXX XXXX. Now Aargon has reported the same debt to the XXXX credit bureaus and it is a debt that I do not owe. This was my XXXX XXXX  that I used my insurance for and then paid the balance. I have attached the receipt that was paid.
Product: Credit card or prepaid card

To whom it may concern, I was recently notified by XXXX XXXX that my credit score had dropped due to a late payment. After investigating it was a capital one member fee of {$39.00} charged to my card on XX/XX/XXXX then i was charged a past due amount of {$25.00} on XX/XX/XXXX without once ever receiving a phone call, email or text stating I am late on my payment. If I never received the notification on my XXXX XXXX app I would not have even known I was this past due. I have not held a balance on this card in years and always pay my statement amount and to have this affect my credit score the way it did without once receiving a phone call, text or email to resolve this issue is unacceptable. I paid the balance of {$79.00} on the XXXX after speaking with Capital One they weren't very accommodating in helping remove the delinquent payment off my report. I have had my XXXX credit score drop by over XXXX points for something I would have paid immediately had they notified me. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I was a victim of Identity Theft and early in XXXX ( XXXX ) I've discovered numerous fraudulent accounts open under my name. I have immediately initiated credit freeze on all 3 Consumer Credit report agencies. I have also filed ID Theft report with Federal Trade Commission and filed Police Report - copies are attached ( XXXX XXXX ). I have also disputed the accounts with all three credit agencies. As advised by the police, I have sent the package with Identity Theft Affidavit, copy of the FTC report and Police report to each of the credit companies. Most of the creditors cleared the fraudulent records from my Credit Report, however there were few that mailed back saying that per their investigation they believe the accounts belong to me. These accounts are now under collection status. I have called them ( In XX/XX/XXXX since I had a baby in XX/XX/XXXX and was busy with baby ) and asked to re-open the investigation and requested to send me the list of transactions that are associated with the accounts ( per FCRA Section 609 ( e ) ), however they refused to do so. I am stuck and don't know how to proceed further. I am asking to please look into this matter and help me resolve the remaining fraudulent records in my credit reports : 1. XXXX - Loan - {$10000.00} - I spoke with XXXX XX/XX/XXXX. The case # XXXX. This is now the third case and the previous two did not have any resolution 2. Citizens Pay Credit Line - line of credit. I spoke with XXXX XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts. 

3. XXXX XXXXXXXX - credit card. I spoke with XXXX XXXX fraud department supervisor XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX i applied for a XXXX XXXX in XX/XX/year>. Never received my credit card so i called and closed my account in XXXX. They never sent me any letters in the mail or email me about a balance due immediately after me closing my account. They left my account open against my wishes and now they reported my card payment 30 days late and my credit score dropped XXXX points.
Product: Debt collection

Colorado XXXX XXXX sent me to a collection agency without any notice that they were going to do so. I was renting a home and the last bill for {$180.00} was for XXXX. I moved from the rental property in XXXX of XXXX. I had ALL mail forwarded to me through the US postal service. The forwarding process was successful and I received all other bills and mail from other vendors. I NEVER received any mail, email or telephone call from XXXX XXXX requesting this amount. My email address was listed on my account associated with the rental property utilities, and still no notification. They claim they sent me mailed notifications to my parents address, I never lived at my parents address and they never received a notification from them. I do not know why they would send it to my parent 's address, it was NOT even listed as the mailing address on my account, according to a XXXX XXXX customer service rep I spoke with on XX/XX/XXXX. I had never missed a payment in any of my previous dealings with the utility company with any other property in which I lived in XXXX  XXXX, which has been for decades! The first time I knew of this outstanding bill was when the collection agency got ahold of me. I payed the collection agency the day I found out about it, just like I would have done if I knew I had an outstanding bill with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX In addition, I would like to address several unauthorized inquiries that have recently appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end. 

Thank you for your assistance.
Product: Debt collection

Sold debt that they say is mine to another company and I havent lived there
Product: Debt collection

I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
Product: Credit reporting or other personal consumer reports

Company is knowingly reporting inaccurate FiCO Information, number of inquiries, and number of tradelines