23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Diversified Recovery Bureau, LLC calls me 2-3 times ever yday and leaves me " threatening '' voicemails stating they have my Social Security number and other sensitive information on " their desk '' and that it is imperative that I call them back immediately to resolve this matter. They never state what " this '' matter is when I call back yet demand that I give them my Social Security number and mailing address for ID verification. On  X/XX/2017   ,  XXXX   XXXX  from  Diversified called  me and once again refused to tell me for what debt and/or creditor he was calling in regards to. He demanded that I give him my Social Security number in order to verify my ID. I told  XXXX   XXXX  he could send me a letter on his companies letterhead, stating what " this '' matter was in reference to. Once I received the letter and was satisfied that it was in fact a debt that I owed currently or at one time, I would gladly call back and speak to him.  XXXX   XXXX  promptly cut me off while I was telling him this and once again demanded my Social Security number. I again told him to send me a letter in the mail stating what this phone call was in reference to.  XXXX   XXXX  at this point was got angry and sai d " Fine, t hen I 'll just mark this down as " Refusal '' and we 'll take it from there. '' I immediately asked  XXXX   XXXX  if he was " Refusing '' to send me the letter I asked for in the mail, but he had already ended the call.
Product: Debt collection

I had a very old debt from 2013 that was bought from one debt collector to another. 
The second debt collector has threatened to sue me even though I have never made a payment to them. The debt is over the statute of limitations and not required to be paid after 3 years in NH and 4 years in MA
Product: Credit card or prepaid card

I was offered a Store credit card by XXXX XXXX - through Synchrony Bank - I purchased goods with understanding that card will be interest-free for a certain time period - I was also under the impression that when I pay an amount every month that bank specifies, the full balance will be paid. I signed up for Auto Pay directly from my bank under the impression that monthly deduction will pay off the balance in full. 

However, lately ( XXXX 2019 XXXX, I realized a deferred Interest Charge ( net ) {$1900.00} was added to my account back in XXXX 2019 where I was under impression that I had paid in full by then. I only realized recently that Synchrony bank was charging me money every month at an interest rate of 29.99 % for over {$3000.00}. ( which is deferred interest and leftover balance ) .They say they have sent statements over emails. No one had contacted me to inform me regarding the ~ {$2000.00} charge that appeared overnight. I feel the bank didn't act in a reasonable manner before imposing a high charge and misled me through the auto-pay process and hiding behind E statements.
Product: Checking or savings account

My mother and I are joint holders of XXXX Certificate of Deposits ( CD ) that were issued through the MBNA America bank. The first CD was issued on XX/XX/XXXX in the principal amount of {$22000.00} with an interest rate of XXXX XXXX and was set to mature on XX/XX/XXXX. The second CD was issued on XX/XX/XXXX in the principal amount of {$1200.00} with an interest rate of XXXX XXXX  and was set to mature on XX/XX/XXXX. My mother and I recently attempted to call MBNA America bank to withdraw these amounts and learned that MBNA America bank was acquired by the Bank of America in XXXX. I contacted the Bank of America customer service line for assistance with withdrawing money from the CD on XX/XX/XXXX. The customer service representative sent me to the department that handles CDs. The CD department representative stated that there was no record of these CDs in their system and transferred me to the unclaimed property department within Bank of America. The unclaimed property representative also did not find any record of these CDs and sent me back to the CD department. I spoke with another CD department representative who told me that their system can only look back seven years and there was no way to look back further to locate any record of our CDs. I asked if there was a way to escalate this to a department who could look back beyond 7 years and was told that this was not possible. I was encouraged to call the state of MA unclaimed properties to track down the CDs. XXXX XXXX both called and went online to try to find the unclaimed CDs under my and my mother 's names but nothing was found. Of note, both CDs are insured to {$100000.00} through the FDIC. There is fine print on the back of the CD that states if the money is not withdrawn after it reaches maturity, or if instructions have not been given as to the disposition thereof, then the account will be renewed automatically for a term equal to the original term and for the full balance of the account, including all accrued interest in the account at the maturity date.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm in the process of purchasing a home and Equifax has not updated my information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company says XXXX and XXXX payments were 30days late. I paid both months no more than 7days late. They called and said I was a month behind and I ended up paying a month ahead and they will not acknowledge that. I have called several times trying to correct this report and they refuse to fix it.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Refinanced to capital one in XX/XX/XXXX. Sent all required documents. Months following capital one has said they needed documents again. Fast forward to XX/XX/XXXX and capital one claims all documents needed have been accepted and they needed to mail to state of Michigan for title processing. Ive called every week since XXXX asking the status of my title, Ive gotten the same answer, that they needed to send documents into the state and are slow in the processing department. Fast Foward to XX/XX/XXXX and they email me saying the documents are needed again! I call and they Agree its their fault this has been such a hassle. Now they are requesting documents again and basically starting the refinance process over again. They have cost me thousands of dollars since I could not pick up the new vehicle I ordered and had a deposit down on since Capital one still has my title for my truck. They are holding me XXXX in my truck. I need some resolution and capital one has been no help.
Product: Debt collection

I received notice from a debt collector I.C. System, Inc upon calling them, they said I needed to summit a Police Report and a claim form. They have not sent one to me as requested as their online system is not user friendly to summit one. As of XX/XX/XXXX  they say I owed {$360.00} with interest fees as of today I find that suspicious. This company have not been helpful in resolving this matter. Thanks for your help.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX Number : XXXX XXXX XXXX & XXXX : Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint which is requesting validation on an account in my file. The account is mistakenly reported and I believe that the account 's records are false. Please fix the negative status of the listed account : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by TRANSUNION and XXXX XXXX. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws. 
1.The timeshare account is unauthorized and was reported without my consent. 
2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare. 15 U.S.C. 1681i ( a ) : They
have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts. 
The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive.

Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness. 
Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress. 
Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 
thanks for your attention to this issue, I hope it can be resolve as soon as possible.
Product: Debt collection

collections agency trying to collect a debt, even when they admit i never had a contract with them.
Product: Credit card

Had XXXX balance on my Wayfair card on XX/XX/2022 I ordered a artificial tree, as soon as I received it I called the company to return it because it was nothing like the picture it was horrible. They received the tree XX/XX/2022 atXXXX, tracking number is XXXX. They refuse to refund my money, the tree was {$300.00} my card is over {$500.00} now and they are sending it to the credit bureau! I can't believe I am going through this for a year they just don't care and say I have to pay even though they know they have the tree!! I hope you can please help me, I only bought this tree was because my husband passed away and had know one to bring me a real one and they know this and every time I call them they say they are sorry they will take care of it and then they do nothing and I get a bill with more charges on it...
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (XXXX, Experian, XXXX) from XXXX  servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to drop XXXX  points and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting refuse to delete from credit report even though XXXX and XXXX is no longer reporting. XXXX XXXX is reporting as a chargeoff but we are in a settlement the wording should be changed to paying as agreed, I received a letter from them in XX/XX/XXXXstating that they were reporting the account incorrectly and that they would remove the account, now they are saying I had two accounts with the same last 4 account numbers which makes no sense.
I 've attached file from XX/XX/XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen. 

At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found erroneous information on my Equifax credit file, so I notified them of this. I have provided them with all the documents and information they need to fix the problem and there has been no response in 50 days. They violated the FCRA my federally protected consumer rights by failing to respond in 30 days and by failing to investigate. It is causing me a great deal of stress because they have not done anything to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. here is my failure to respond letter or do something about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Never authorized XXXX XXXX to conduct a credit check from Wells Fargo on XX/XX/2018 2018
Product: Student loan

I am a XXXX percent XXXX veteran. I am trying to pay off my daughters student loan. The interest keeps changing and I cant keep up with the monthly payments. I pay {$300.00} a month every month. The payment is made on the XXXX th of the month. The company information is below. 

Hessa - NJclass XXXX XXXX XXXX XXXX, PA XXXX. 

Since my daughter didnt qualify for a federal loan she was forced to take a private loan. Since student federal loans are being forgiven why cant private loans be forgiven too.
Product: Credit reporting or other personal consumer reports

I want to set a fraud alert and credit freeze with Experian. They mandate you set up an account. I have one for myself but their system says it can't verify my information and I need to contact them. I call their number but it doesn't help and you can't talk to a live person. 

Also, I tried to set up a new account for my wife, same access issue and same message to contact them. No results again. 

How can I set these up if they don't provide access??
Product: Debt collection

It has come to my attention that despite my numerous attempts to dispute the account listed below, they still remain on my credit report. Your lack of action in this matter has left me extremely frustrated and angry. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$32000.00}. It is unacceptable that your response to my previous disputes regarding this account was that they were " previously investigated ''. This response is not only inadequate but also shows your lack of concern for my legal rights. I remind you that under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), each time a consumer reporting agency receives a dispute, it is required to reinvestigate the dispute free of charge and record the current status of the disputed information or update the item from the file within 30 days. Failure to do so is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing in accurate information. with Experian, XXXX and instead of removing the inaccurate information they have been removing inaccurate information and replacing information..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Experian on XX/XX/XXXX and on XX/XX/2021 I received their result online. The items I disputed were XXXX XXXX XXXX  that starts with XXXX and XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 3 days. No way was this a thorough investigation process. In my dispute, I have requested contracts with my signature to prove that these accounts are mine. I suspected Experian requested public information from XXXX or XXXX XXXX. Please direct Experian to delete these unknown accounts from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Bank, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to express my deep concern regarding the unresolved inaccuracies on my personal credit profile. Despite my repeated requests, there has been no satisfactory response from your end. XXXX XXXX XXXX XXXX XXXX XXXX XXXX