23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reached out to NATIONAL CREDIT ADJUSTERS twice regarding an account with XXXX XXXX and XXXX XXXX I told National Credit Adjuster and XXXX XXXX several times, this account does not belong to me. National Credit Adjuster is still reporting false information to my credit report. They can not find me with documentations to show it was me such as a signed statement owning the account. Everytime I call, the agent has a very nasty attitude with me and being very forceful and threaten to sue me if I do not pay an account that does not belong to me and they wont send me proof that this account is mine. 

For XXXX XXXX, I have asked them for XXXX XXXX contact information and they are claiming they do not have it. I do not understand if you own this account, why you do not have the XXXX XXXX contact information. I googled XXXX XXXX customer service number, they can not find an account that belongs to me. NATIONAL CREDIT ADJUSTER IS A SCAM AND TRYING TO STEAL PEOPLE MONEY AND INFORMATION.
Product: Credit reporting

Equifax has had incorrect information in dispute for 3 months and have not addressed it. I also sent in information to remove fraud alerts from my credit report months ago and they did not remove those either. Equifax has broken the laws not removeing the inaccurate items or addressing the disputes that were done online, in the mail and via fax. They did not remove all fraud alerts as well it was sent XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

the reporting of account # XXXX by XXXX XXXX XXXX on my credit report. I believe the reporting violates the Fair Credit Reporting Act ( FCRA ) due to the following issues : Account Status Inconsistencies : The account is marked as " charged off, '' but it still reflects a past-due balance of {$7600.00}. Under accurate credit reporting, a charged-off account should not simultaneously carry a past-due balance. 
Date Discrepancies : The " status updated '' date ( XX/XX/XXXX ) conflicts with the account 's charge-off date in XX/XX/XXXX, creating misleading and inaccurate reporting. 
Balance Inconsistencies : The balance reported ( {$7600.00} ) does not align with charge-off reporting standards. If the account was charged off and/or sold, the balance should reflect {$0.00}.

Payment History and Last Payment Date : The last payment date is noted as XX/XX/XXXX, yet this conflicts with the reported status and balance details. 
These errors have caused confusion and potential harm to my credit profile, violating my rights under the FCRA, particularly 605 ( a ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXr account XXXX XXXXXXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " XXXX XXXX received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks '' XXXX ( Original Creditor : XXXX XXXX XXXX  ) account no. XXXX amount {$1100.00}, date XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account no. XXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 In accordance with the Fair Credit Reporting act XXXX  Account XXXX listed above, 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: Credit reporting, credit repair services, or other personal consumer reports

In apr of 2017 I made a partial payment of {$300.00} to US Bank and then within and week or two made another partial payment for another {$300.00} to US Bank again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at US Bank tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM 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 XXXXXXXX
Product: Debt collection

I have been receiving telephone messages from Blitt & Gaines, P.C. over the last several months regarding some kind of debt that they imply I owe. I usually ignore the calls but today I got fed up with the annoyance, knowing that I pay my bills on time and do not have any uncollected debts. Therefor, I contacted XXXX and checked my history, which appears to be totally fine. Then I contacted the law practice and spoke with XXXX XXXX. I stated that I did not owe any debt, had no knowledge of of any debt and requested that they correct their records and cease leaving me telephone messages. I proceeded to locate their office on the internet and sent them an email to the same effect. Finally, I contacted the Illinois State 's Attorney 's office, as well as your bureau, and made both agencies aware of my complaint.
Product: Credit card

I purchased an upgraded seat on my flight from XXXX to XXXX. The seat was broken and would not decline at all. This flight was not full and there were other options ; however, the staff refused to move me to a working seat for a XXXX hr flight. The only option I was provided was to file a complaint after the flight. I filed a complaint and the only resolution was some airline credits. I have tried to refund the charge both through XXXX XXXX and USAA and neither has provided a resolution. USAA told me they were investigating and then without any follow up just closed the dispute and recharged my card. This is not acceptable. This charge needs to be removed as I never received what I paid for.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to ensure my financial stability.
Product: Credit reporting or other personal consumer reports

Looking at my 3 credit reports, they all show different and inaccurate information about an account. The account is XXXX XXXX XXXX XXXX, XXXX shows this account as NOT negative, closed, paid as agreed and last activity XX/XX/XXXX. 

Transunion shows this account as transferred to another lender, was paying as agreed and last activity XX/XX/XXXX. 

XXXX shows this account with 4 different statuses... 4 late payments but 5 months of late payments are displayed on the calendar, paid off, closed, transferred to another lender and last activity XX/XX/XXXX.
Product: Debt collection

I keep receiving robot calls 7 days a week from Portfolio Recovery Associates , LLC and want the calls to stop. They are free to contact me by mail. I had sent a cease to desist to the original creditor requesting them to notify the collection agency they assigned the account to cease from contacting me by phone. They are harassing me on the weekends and that is a problem. I am getting your agency involved because I do not wish to be phoned.
Product: Student loan

Please look at complaint XXXX originally submitted in XXXX. I just received an email from CFPB that Navient responded and the case is closed. Please read my feedback. Nothing has been accomplished. Navient is not honest in its dealings and CFPB just seems to go with it no questions asked. They are saying my sister never called them, and she has on several occasions and left messages as the phone number they provided just records messages. No one ever calls her back.
Product: Credit reporting or other personal consumer reports

XX/XX/22 emailed XXXX Opt-out third party XXXX XXXX XXXX XXXX XXXX XXXX and Experian refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last active incorrect non-matching date of last payment
Product: Checking or savings account

on XX/XX/2018 i was to receive two direct deposits from a company i had done work for. neither appeared in our account. contractor we did work for provided proof that the deposit had been made at wells fargo. someone internally at wells fargo changed our email and account number and the money was deposited into someone else 's wells fargo account in another state. there were 2 deposits. one for {$4900.00} and one for {$10000.00}. we contacted police in our town and Detective XXXX XXXX responded. ( case # XXXX ) they put in a report with the U.S. internet complaint center. We contacted wells fargo many times. we also contacted the wells fargo in minnesota and they said they would not reverse the deposits. we wrote numerous letters to wells fargo including customer ser.vice and the president of the bank. they said there was nothing they can do. the us internet complaint center provided us the routing number of where it was sent at wells.
Product: Credit card

I had a credit balance of {$14000.00} on my US Bank credit card account due to an unintentional balance transfer to XXXX XXXXXXXX XXXX. I requested US bank to reverse the balance transfer payment sent by XXXX XXXXXXXX XXXX. US Bank issued a reimbursement of {$14000.00} back to XXXX XXXX XXXX and sent on XXXX and charged against my credit card, but instead of the entire amount of {$14000.00}, US Bank only paid XXXX  XXXX XXXX {$5900.00} on XXXX, yet US Bank still charged my credit card the entire amount of {$14000.00}. Which meant they still owed {$8200.00}. I have called US Bank several times to no avail. They did open a case XXXX on XX/XX/XXXX and asked to give them 10 to 14 days for resolution. On XX/XX/XXXX, they charged my US Bank credit card another {$8200.00} which was supposed to be the difference owed back to XXXX XXXXXXXX XXXX, not be charged against my US Bank credit card again. It was the difference they owned from the original {$14000.00}, but only sent {$5900.00} to XXXX XXXX XXXXXXXX. They seem to be so confused with such a simple transaction, they keep charging me over and over again. They need to remove the charges of {$8200.00} from my US Bank credit card as this was the difference they still owed from the credit balance of {$14000.00} they didn't pay XXXX  XXXX XXXX in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XX/XX/2019XXXX XXXX XX/XX/2019XXXX XX/XX/2019XXXX  XX/XX/2019XXXX XX/XX/2019XXXX XX/XX/2019 These are showing up on allThree credit companiesEquifaxXXXX XXXX XX/XX/2019XXXX XXXX XXXXt XX/XX/2019XXXX XXXX XX/XX/2019XXXX. JXX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX   XX/XX/2019
Product: Credit reporting or other personal consumer reports

I did a credit report check today and I found out that this Fico score agency did a credit pull on my Equifax credit file without my consent. 

I never did any transactions with the company, and I didn't receive any offers from them. 
They don't need to be on my Equifax credit report.
Product: Debt collection

I continue to received updates daily on my credit report from the company I.C. System, Inc,  i have sent a letter for debt validation because i do not believe the account belong to me, i have heard nothing from the company only receive daily updates that my account was flagged as Collections. 

IC Systems Inc XXXX XXXX XXXX XXXX XXXX, MN. XXXX {$320.00}
Product: Student loan

I have three ( 3 ) FFEL loans owned by Navient, all originated in XXXX. 

A few problems, here. 

1. Why was I never notified about the multi-state settlement with Navient? Wouldn't Navient be required to notify me of the finding against them -- as their borrower -- as of this past XXXX ( XXXX )? Do I need to consolidate my loan to a Direct Loan to receive the settlement? Again, they are all currently owned by Navient. 

2. All three of my loans were originated in XXXX. Aren't they eligible for being forgiven after 20 years from the origination? 

3. If I consolidate to the Direct Loan ( as mentioned above ), would my student loans then be forgiven -- having been placed BACK with the Dept of Education? My loans were originally federal loans. Navient purchased them, after I consolidated, as directed, to be eligible for IDR.

4. I sure would like to be done with Navient ( formerly known as Sallie Mae ).
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach AND THE 2024 data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a car loan and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Debt collection

To Whom It May Concern : I am unaware of this debt. I did not have the oppertunity to dispute this debt. I did not receive proper notification of this debt, If in fact you believe that i recieved proper notification of this debt please provide the certified mail with a receipt with my signature on it stating that i received it.

Also, law 15 usc 1692c states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may NOT communicate with a consumer in connection with the collection of aby debt.
Product: Credit reporting or other personal consumer reports

About two weeks ago I lost my wallet and set a fraud alert through Experian Credit Reporting Co. 

I have since found my wallet and would like to remove the fraud alert. 

I logged into the Experian the page to upload proof of identity information ( driver 's license and utility bill ) through the Experian website ( https : //www.experian.com/consumer/upload/fileUpload ). I was repeatedly unable to complete the online process. I received the following error message : " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX XXXX XXXX XXXX using this form. '' It seems the website is not working, or was designed not to process uploaded records. My records are smaller than the required limit ( XXXX XXXX  ) and in the proper format ( 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX  # XXXX Account name : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charges on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

This CCS collection is aware acct has been paid a little over 2 yrs ago but refuse to remove from collection.pd XX/XX/2022. 
Please see email from XXXX agent saying
Product: Bank account or service

My husband and I have had a BoA account together for over 10 years. A few years ago I noticed an automatic debit from our account of {$150.00} that was not associated with any company and I feared a fraudulent transaction so I called the fraud line and the associate was as surprised as I was because there were no transactions details. She agreed to investigate. A day later we were informed that it was a BoA charge and they indicated that this charge was for a safety deposit box that my husband and his former spouse had together 20 years ago in another state. We were also informed that the debt would continue to accrue unless we flew back to XXXX ( we now live in XXXX ) and paid to have the box drilled to the tune of {$170.00} and emptied ( former spouse had both keys and had agreed verbally to empty and close the box which was not done ). 
BoA was unable to collect from his former spouse because she was now with another bank. Apparently during an audit BoA discovered that my husband now again held a BoA account so they debited our joint account - without any notice, identification or information re : the reason for the charge that was actually owned by my husband and his former spouse. After all even the bank technician was mystified by the debit and to investigate. All total we were changed {$320.00}. I can actually understand the drilling fee. But I can not understand the legality of charging our joint account-under the cloak of darkness- especially when this charge is ultimately shared by me, an innocent party. My question : was this legal? Was it proper? Is my husband jointly and severally liable for that prior debt and by default so am I because I share a new account with him at BoA? If so, can a bank just randomly charge our jointly held account for debt owed by my husband and his former spouse just because they have access to our account and can do so without notice at all? Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Experian is unable to provide a process by which I am able to submit documents online to correct my first and last name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved. 
1. The experian.com/upload option does not work. The webpage has no elements to interact with as shown in the screenshot. 
2. My credit grantors do have my updated first and last name. My active credit cards are in my correct name as well.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried resolving this issue with all three credit companies. They have refused all of my requests and how not blocked my ability to submit complaints via online. On their website, it states that the issue has been resolved. However, when I try to submit another complaint it states that there is a dispute in progress. 

This is my recent response that I am unable to submit to all XXXX credit bureas regarding inaccurate information on my account. I will be submitting this to the Department of Treasury as well as any other Bureau whom this information pertains to.