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

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Billing and reporting errors by my bank are having a serious negative impact on my credit. According to the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally required to accurately reflect payments and credits, but several mistakes have occurred. Payments I made on time were either not recorded properly or miscalculated, leading to inaccurate balances. Additionally, I was never given the mandatory 21-day notice before a payment was due, which makes any reported late payment invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX XXXX my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted GSFC several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, GSFC told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information XXXX screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided XXXX see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship. 

I ask that GSFC correct the erroneous late payments ( 12 total ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These months should appear as paid on time per my approved deferment from XX/XX/XXXX to XX/XX/XXXX. Please be honest, and provide the credit bureaus with accurate information when they contact you, and remove the 11 incorrect late payments from my credit file. Attached to this letter I have included : -The attached screenshots from XXXX -The letter from GSFC -And the dispute letters from the three credit bureaus Please let me know if you need any additional information from me to assist in remedying this situation. Thank you!
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet ExperianXXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian/XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

FAXED MODIFICATION XXXX AND MULTIPLE TIMES CALLED XXXX REP SAID ONLY NEEDED XXXX CORRECTED DONE, NOW TODAY AT XXXX TALKED TO A SUPERVISOR SAID NEEDED MORE INFORMATION PAPERWORK HAS BEEN THERE SINCE XXXX AND STILL 4 DIFFERENT REPS SAY 4 DIFFERENT THINGS, WILL FILE IN FEDERAL COURT ON FRIDAY, SUPERVISOR SAID SAID WILL GO THRU EVEN THOUGH WAS IN SINCE 30 DAYS BEFORE SALE
Product: Student loan

I put in for the income based program, and was told that I did n't qualify, I then resubmitted months later after being late and defaulting and was granted XXXX payments. But, they also failed to tell me that my did n't cover all my loans through them after I had asked if all my loans were out of default now.. I recently noticed that it has happened again, only half of my loans were covered and I specifically asked if all would be .. With this being said I found out this time by a bill in the mail stating I had past due payments, so once again I am having to call them and get this corrected. I have late payments on my credit report because of this and my scores had dropped substantially. I wrote have written letters of goodwill to try and get these removed as a last effort to save my credit and have not received a response. Any help in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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: Money transfer, virtual currency, or money service

Pay Pal continues place hard securities on account as of XX/XX/2020, The available balance is XXXX. First purchased made by XXXX in XXXX Pa, transaction successful. Made another transaction, company declined call. Made several attempts to resolve this. Company continues to decline my card even due to security issues. Company continues to be non compliant. I'm requesting please review my account last four digits of social XXXX Card last four digits is XXXX Please review calls from XX/XX/2020 until current regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has handled a few disputes related to the account XXXX XXXX/ XXXX XXXX on my EQ credit report. Virtually no corrected information has been updated or added to the account has happened. 

XXXX XXXX  in XXXX of XXXX sent me a letter after a complaint was filed with the the cfpb containing what they claim is the correct account information and history for the XXXX account. using that same letter with information compared to the info listed on my EQ CR payment dates are incorrect, date of first delinquency is as well and other errors are present. 

unfortunately i have yet to dispute the account with the info in the XXXX letter, because a dispute filed on XX/XX/XXXX D # XXXX is currently at 43 days and counting. which includes an incomplete dispute of the XXXX  account. ( tried to update and cancel dispute early on, was turn down ) The account listed on my CR as XXXX is a charged off ( XX/XX/XXXX ) and closed account that was sold off ( XX/XX/XXXX ) and XXXX XXXX is no longer collection *above info taken from XXXX letter to me. * In XXXX of XXXX and XX/XX/XXXX EQ has listed C/O 90 day late payment negative marks on my EQ CR. for an account that has been closed since XX/XX/XXXX these countless errors in reporting this account has caused my credit great stress. but the erroneous missed payments for a closed account of over 5 years before has been a black mark on this CR for over a month. it single handily was the reason i was denied a car loan refinance 2 weeks ago. that 120 plus dollars a month and interest rate cut that i was depending on greatly for budgeting going forward. this account and its errors have been ignored across all 3 CRA to the point its laughable. But the parent company sending me a letter that contradicted all the almost all listed info in the accounts, should have fixed the issues. But, no EQ listed more errors and have left a dispute open over 2 weeks past 30 days keeping me from trying to fix this account.
Product: Debt collection

XX/XX/2022 - received letter from I.Q. Data International , Inc. falsely claiming I owed {$990.00} of rent debt from XXXX XXXX XXXX XXXX response contesting this debt sent immediately, phone call made a few days later, email sent to their disputes department on XX/XX/2022 documenting final rent payment and statement sent to landlord for discontinuing lease at the date stated in the lease agreement. 

Nothing for two months. Never received any written or emailed response. On XX/XX/2022 phone calls made under fake numbers ( numbers with area codes identical to our phone numbers as opposed to the debt collections number ) to myself, fianc, and an old emergency contact from the lease. 

Debt collectors now saying I need more proof that I owe nothing after them not being able to successfully contact XXXX XXXX XXXX. No. I don't have a screenshot of the final {$0.00} ledger because typically {$0.00} means {$0.00} and not debt collections on a false {$990.00} debt. 

I have opened up a small claims case against I.Q. Data International , Inc. and XXXX XXXX XXXX ( XX/XX/2022 ) for the {$990.00} falsely claimed to be owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report
Product: Credit card

My partner and I were walking home from doing errands when we were stopped by two gentlemen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They claimed that were working with an XXXX XXXX XXXX  here in the city. They were supposedly helping these XXXX XXXX by helping them create music and sell it. I didnt quite believe the story, but I thought that XXXX bucks or so wasnt a big deal. I told them I would buy a CD from them. I tried to pay through XXXX, but they said they had a card reader and that would work better for them. I wasnt on guard and was more interested in just ending the interaction, so I gave them the card before discussing a price. They didnt say the price before tapping my card, at that point I got concerned, so I asked them how much they were charging me. He didnt immediately show me the amount on the device, instead, he tapped a bit on the device and eventually showed me he was charging me {$12.00} ( or so, I cant exactly remember the price but it was in that range ). The other member chimed in that if I donated {$25.00}, they would get a commission. This was also happening so fast in a space of less than a minute. I said sure, I would pay the {$25.00}. The man then tapped the card once more, again I wasnt shown the price on the device he was holding. At this point I was just trying to get out of the situation, so I took my card and the CDs and left. Later that day I checked my bank and saw that I was charged by two vendors I did not recognize : one from XXXX XXXX for {$120.00}, and XXXX from XXXXXXXX XXXX XXXX for {$1500.00}. Reading online, I found that other people have been scammed by these people : XXXX XXXX XXXX 
The above link matches almost exactly to what happened to me. We were given the exact same CD ( I was given an extra though ). Since we were in the park, there is no physical address I can go to to dispute the change. I didnt get their names or any contact information or receipts, which I know now is some basic safety I neglected. I have searched online to find the vendors that are listed in my bank account, but they both appear unrelated to the original gentlemen I encountered, they both dont have physical locations, the only number I could find was not answered and I had a message in Spanish that again seemed unrelated to the original men I met in the park. 


I filed a dispute with my bank and shared this information with them. They said that since I do not have a receipt, they are going to side with the vendor and they closed the dispute.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I hope this email finds you well. I am writing to address the recent correspondence I received from National Credit Adjusters LLC dated XX/XX/XXXX, regarding a debt owed to XXXX XXXX from XX/XX/XXXX. 

Upon reviewing the letter, I acknowledge the debt of {$500.00} outlined therein. I want to assure you that I take my financial obligations seriously, and I have taken steps to address this matter promptly. 

As a proactive measure, I logged into my National Credit Adjusters LLC and initiated a payment arrangement. However, after seeking advice and consulting with individuals familiar with such matters, I realized that this account pertains to an older debt. 

My intention is to resolve this debt as soon as possible, not only to fulfill my obligations but also to maintain a positive credit rating. As I aspire to pursue a federal job, I understand the importance of having a clean credit history. 

However, I am encountering confusion regarding multiple accounts associated with XXXX XXXX through National Credit Adjusters LLC, each suggesting varying outstanding balances. Consequently, I seek clarification on the discrepancy and guidance on the appropriate course of action to ensure the resolution of this matter accurately and efficiently. 

I would greatly appreciate your assistance in clarifying the status of my debt and providing guidance on the steps I should take to ensure its resolution. Additionally, I kindly request documentation confirming the agreed-upon payment arrangement and any further details pertinent to this matter. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Warm regards, XXXX
Product: Debt collection

Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from XXXX XXXX XXXX XXXX, XXXX out of XXXX representing LVNV Funding LLC as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the XXXX office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very XXXX- the calls and letter.
Product: Credit reporting or other personal consumer reports

Summit Account Resolution continues to state they refuse to remove their entry since this could not be resolved this is your legal notice that I am initiating a lawsuit.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and was shocked to see what was on it it was accounts the wasnt mine
Product: Debt collection

XXXX billing : The current bill in not accurate. I canceled the contract and service in XXXX of XXXX. I paid the equipment rental fee for XXXX XXXX XXXXr. XXXX picked up the tank ( without contacting me ) in XX/XX/XXXX. I was not notified of any fees however XXXX XXXX later you sent a bill for {$290.00}. This charge is in error. When I tried to call customer service a representative tried to get me to first pay {$190.00} then he tried to get me to agree to pay {$99.00} and then tried to get me to agree to pay {$80.00}. When I ASKED TO SPEAK TO A MANAGER I WAS PUT ON HOLD FOR XXXX XXXX AND THE LINE WENT DEAD. There is no agreement between XXXX and myself for any termination fees and after over XXXX XXXX of doing business with XXXX this is how you treat your customers. XXXX needs to correct this invoice to show that it is paid in full with {$0.00} balance. I have tried requesting a response online at the XXXX website and have not received a response.
Product: Credit card or prepaid card

Dear Capital One, As a seasoned professional XXXX, my XXXX XXXX XXXX XXXX and staff have been devastated in 2020 by the surging COVID 19 pandemic in the State  of Virginia. During the initial COVID 19 shutdown, I sought out and transacted with a professional business transformational curriculum service to manage my staff 's mental XXXX and hardship through the XXXX XXXX. 
The XXXX XXXX is found on the internet at XXXX. Upon charging my card {$150.00} month in XXXX, 2020 for their services, I have found myself in the very distressing situation of unsuccessfully gaining access to any XXXX program paid for and then compounded with no subsequent communication in cancelling our participation for their published services. 
My request of Capital One is to reimburse my credit card for the two monthly {$150.00} charges from ( XXXX and XXXX ) 2020 for a course I could not access. XXXX failed to provide a successful link to take coursework after multiple attempts via email ( which was rejected ) and employing their online chatroom ( which did not respond ). 
My follow up cellphone calls made to the XXXX website posted customer service line of XXXX resulted with a taped recording stating, This number is not accepting phone calls at this time, and the recording is on 24/7 and has been for months. I have tried every time of night and day, and every day of the week, to no avail. 
Capital One received an initial complaint from me about XXXX 's failure lack of communication and not refunding their inaccessible coursework.. This week, I was disheartened and disappointed with the following response from my credit card company. 

Your account ending in XXXX Case Number : XXXX On XX/XX/2020, you disputed a charge with XXXX XXXX., and since then, we placed a temporary credit on your account. Based on the information we have from you and the merchant, the original charge is still considered valid. 
Because of this We consider your case closed. 
Were reapplying the disputed charge of {$150.00}, and it will appear on your account as a Rebill in the next one to two billing statements.

Youll receive a confirmation letter in the next two weeks. 
However, we encourage you to keep working with the merchant to resolve this issue. You can visit the Disputes Support Center for tips on how to do this. 
Thank you for being a Capital One customer. 
Sadly, I suspect Capital One is challenged in reaching the XXXX XXXX, and unfortunately they closed the case and shut down my refund request. This is a huge disappointment as I spent close to an hour on hold today to reopen the cases. 

My Capital One MC number ends in XXXX Assigned Capital One Case numbers : XXXX : XXXX XXXX : XXXX Please review these wrongful charges from XXXX and reconsider the appropriate and justified credit request of {$150.00} x 2 as soon as possible. 
Thank you for you time and consideration.
Product: Debt collection

My name is XXXX XXXX & I am no longer responsible for the debt here shown. 

Company : Midwest Credit & Coll Opened : XX/XX/2021 Amount : {$730.00} Sold/ placed for collections to XXXX XXXX XXXX XXXX