23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cooling and Winter LLC Sent me a letter that belonged to someone else. They put this persons first and last name, their amount owed, and to whom they owe it. I can only assume that this person received my paperwork. This is very upsettting because they are leaking PERSONAL, PRIVATE information. I have been nothing but cooperative with them but feel they are sompletely incapable of handling this paperwork. This is very personal information that they are sending out and now someone has information about my personal finances.
Product: Credit reporting or other personal consumer reports

: New Complaint : New Information : New FTC : This is not a duplicate CFPB complaint XXXX XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Complaint Against Equifax - Case # XXXX Dear Equifax Dispute Resolution Department, I am writing to formally dispute and file a complaint against Equifax regarding discrepancies in my credit report and discriminatory practices I have encountered. This correspondence pertains to Case # XXXX and includes new information to be processed as a separate and distinct dispute. 

**New Dispute Information : ** - **FTC Complaint # : ** XXXX ( Attached ) - **Accounts to be Deleted : ** XXXX. XXXX XXXX XXXX ( XXXX XXXX ) - Account # XXXX XXXX. XXXX XXXX XXXX - **Hard Inquiries to be Removed : ** - XXXX XXXX ( Actual account removed on XX/XX/2023 ) - XXXX XXXX XXXXi **Factual Events : ** Today, XX/XX/2023, I spoke with Equifax Representative XXXX ( ID # XXXX ). During our conversation, XXXX XXXX revealed alarming information about internal practices at Equifax. She disclosed that several of my disputes, marked as investigated and completed, were canceled internally by Equifax staff without any proper investigation or removal of accounts. XXXX XXXX identified the following confirmation numbers associated with these canceled disputes : XXXX. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX Equifax Representative XXXX also acknowledged that Equifax has not followed up on any of my Consumer Financial Protection Bureau ( CFPB ) complaints. She advised me to file new CFPB complaints along with a Federal Trade Commission ( FTC ) complaint regarding discriminatory practices. 

**Credit Score Discrepancy : ** According to my records, on XX/XX/2023, my Equifax credit score was XXXX. However, as of today, XX/XX/2023, my score has dropped to XXXX without any corresponding inquiries or changes in creditors. This discrepancy raises concerns about targeted discrimination. Equifax 's failure to address my previous CFPB Complaint # XXXX, filed on XX/XX/2023, has resulted in negative information remaining on my report, causing a decrease in my credit score. 

XXXX XXXX : ** Confirmation Number : XXXX was investigated by Equifax XXXX removing several accounts, including XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX # XXXX. However, the hard inquiry by XXXX XXXX used to open a fraudulent loan was overlooked and not removed. 

**Formal Requests : ** I formally request the following actions : - Accept and update my FTC XXXX # XXXX and CFPB # XXXX. 
- Delete XXXX XXXX XXXX ( XXXX XXXXXXXX ) - Account # XXXX and XXXX XXXX XXXX. 
- Remove unauthorized inquiries. 
- Provide a letter of apology from Equifax for antisemitism and discriminatory practices. 

I trust that Equifax will conduct a thorough investigation and address these matters promptly. Your prompt attention to this issue is imperative. 

Thank you for your cooperation. 

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

Subject : Dispute of Accounts on Credit Report - Violations of 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ) Dear Transition I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accounts listed on my credit report, as well as potential violations of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I believe that the following sections have been violated : 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ).

Firstly, I would like to address 15 USC 1681eb, which requires you to maintain reasonable procedures to ensure the accuracy of the information contained in my credit report. Upon reviewing my credit report, I have identified several accounts that appear to contain inaccuracies, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, I believe that Transition may have violated 15 USC 1692e ( 3 ) of the FDCPA, which prohibits the false representation or implication that a debt is owed.

In addition, I have concerns regarding 15 USC 1681S-2 ( a ), which establishes requirements for the proper investigation of consumer disputes. I previously submitted a dispute regarding the aforementioned accounts, but I have not received a satisfactory response or resolution. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with a detailed response within the legally mandated timeframe.

Moreover, I would like to draw your attention to 15 USC 1692b ( 5 ) of the FDCPA, which stipulates that a debt collector can not communicate credit information that is known or should be known to be false. If any of the disputed accounts are being reported by debt collectors, I request that you ensure the accuracy of the information they have provided and take appropriate action to rectify any discrepancies.

Lastly, I suspect that Transunion may have violated 15 USC 1692 ( 2 ) ( A ) of the FDCPA, which prohibits the false representation of the character, amount, or legal status of any debt. I urge you to thoroughly review the information reported on my credit report to ensure its accuracy and compliance with this provision.

I kindly request that you promptly initiate an investigation into my concerns and provide me with a written response detailing the actions taken to address these matters. Additionally, I request that you correct any inaccuracies found during the investigation and update my credit report accordingly. Please be aware that failure to comply with the FCRA and FDCPA may result in legal consequences.

I would like these accounts be removed off my credit report immediately Thank you for your attention to this matter. I trust that XXXX will handle this dispute and potential violations with the urgency and seriousness they deserve. I look forward to a prompt resolution of these issues.
Product: Credit reporting or other personal consumer reports

( Old ) Two accounts with XXXX XXXX from a previous bankruptcy in XXXX. I was contacted by a capital XXXX representative and they verbally assured me that the inaccurate reporting will come off XX/XX/XXXX. Its almost XX/XX/XXXX and its still on my credit report. Remove the XXXX accounts at once.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX  Date of Inquiry XX/XX/2023
Product: Debt collection

On XX/XX/20 I began a membership with XXXX XXXX in XXXX NC. As it was before the height of the pandemic and things appeared to be dying down, I began the membership once the club had reopened. I was going to the gym throughout XXXX and XXXX. Once XXXX hit and the pandemic began to rise again, I took some time away. In XXXX, my grandmother became ill with XXXX and my family began the process of relocating to take care of her in her final days. I immediately reached out to the gym looking to cancel as I was both not feeling safe about going during the months of XXXX and XXXX and now was going to be moving to an area several states away from the gym. They did not return my call. After several more unreturned attempts to reach out to the gym and cancel my membership, I reached out to ABC Financial, the group who handles billing and memberships for XXXX XXXX. The first person I spoke with said they would contact the gym on my behalf and tell them to contact me. They did not. My call today was equally fruitless as they simply pushed me to call the gym again. At this point, I have received an email about a late fee on my account at the value of nearly twice what I would be paying had I paid the month of XXXX. I have had zero luck reaching out to the gym and getting a response and I would just like the membership cancelled. 

I would provide more documentation but their account website has no documentation of my member ship ( as shown in the screenshots Ive attached ) and doesnt even have the number for the gym listed!
Product: Student loan

More than XXXX month ago, I submitted a forbearance application for my student loans to Aidvantage. I was told there would be updates to the status in a timely manner. Now, as the loans are coming due, there have been no updates. Furthermore, there is no online portal to monitor the status of the forbearance application, and the company has not responded to my recent request for an update on the application.
Product: Checking or savings account

I bank with Capital One and my paycheck has not been deposited into my checking account. The allotted time frame that the company gave to its customers has already passed, as they said the issue should be resolved by XXXX  morning XX/XX/year>, and their employees are not giving me a timeframe on when I am expected to see my paycheck deposited into my account.
Product: Debt collection

sent debt validation letter multiple times XX/XX/2019 XX/XX/XXXX XX/XX/2019 final letter sent XX/XX/2019 THEY CALL 10 TIMES A DAY AND ONLY WANT CREDIT CARD NUMBER OR CHECKING ACCOUNT NUMBER FOR PAYMENT WHEN I TRY TO GET MORE INFORMATION ON ACCOUNT THEY HANG UP ON ME. I SENT DEBT VALIDATION LETTER NO RESPONSE BACK. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, 15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A subsection2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I received calls from XXXX a furniture leasing company about an account which I had no knowledge of. The Company reached out several times even as late as XXXX attempting to collect payment. The situation was explained several times and I was told it doesnt matter make a payment or legal actions will be taken with law enforcement involved and the account will be turned over into collections. The account was then sold to a debt collector Vance and Huffman LLC on XXXX XXXX XXXX
Product: Credit card

I have had issues with fees with Bank of America since I became a coustomer back in 2015 and I have filed complaint and they always end up winning the dispute because I get tired I know for sure over the years and just recently I have been charged fees that shouldn't have been charged I don't know how to become a member of the class action lawsuit but I'm pretty sure the bank has definitely taken fees and made charges that are bogus I need help to clear some of these fees Bank of America Are crooks they have been stealing from consumers fir years.
Product: Student loan

Just reading about a suit brought against Navient and XXXX with respect to borrowers rights. I have had, and still do have, loans with Navient. In an effort to speed up my loan repayment and minimize the interest earned against my loans, I had set up biweekly automatic payments through my personal bank ( similar to what most people do with their mortgages ). For example, if my student loan bill for a month was {$100.00}, I would make two payments of {$50.00} prior to the due date of that month 's bill. This repayment method, however, created significant issues with Navient and caused me to incur several months of late payment fees which I would have to fight in order to have them removed. Not to mention, I was not able reduce my debt burden by reducing the principle to which interest would be accrued against. The issue lies in the fact that while I would only see a monthly bill for {$100.00} ( using my prior example ), Navient would actually view it as multiple " bills '', depending on how many loans I had with them. So my {$100.00} bill may be viewed to them as XXXX loans with monthly payment balances of {$40.00}, {$30.00}, {$20.00}, and {$10.00}. So if I made an initial payment of {$50.00} towards my monthly bill of {$100.00} to Navient, they would apply the {$50.00} first to any outstanding penalties. Next, they would take the remaining and apply it towards the interest due for the month. Finally, whatever may have been left over would go against the loan with the highest principle remaining. Sticking with my example, and assuming no penalties, my initial {$50.00} payment may cover the interest due ( say the interest was {$35.00} ). The remaining {$15.00} would go towards the loan with the highest remaining principle. My second {$50.00} payment would also go towards the loan with the highest remaining principle. Although I have fulfilled the amount due on my monthly bill, Navient views the other XXXX loans as not having been paid for the month because the monthly principle payment for those loans was never satisfied in my two payments of {$50.00}. The next months bill would reflect a late payment penalty as well as a balance due for the previous month. This went on for several months until I had to finally give in and resort back to a single monthly payment. I could n't afford the risk of having to call every month to fight for my payments to be distributed correctly in order to have any late fees and penalties removed. 

I can provide documentation of bills that received the full monthly balance due but still incurred penalties due to Navient 's mishandling of payments.
Product: Credit reporting

I XXXX, XXXX a " Consumer '' hereby declare to be the owner of the equitable title to that debt. I do not know anyone else who owns the equitable title, if you think you do or knows anyone who does, you must state so. If you can not state anyone, then I am the owner. And if I own equitable title then I ca n't be the debtor and the beneficiary of the trust at the same time. It is hereby declared as the beneficiary of the trust, I order you to rebut my claim. 

I XXXX, XXXX, I accept as grantee, now coming as Grantor/Settlor, return by custodial delivery of equitable title/receipt for proof of same subject matter on special deposit with Trustee ( s ), PROFESSIONAL DEBT MEDIATION for alleged original creditor XXXX, with intent and purpose to use, enjoy, extinguish, settle, close, and to release collateral, and all encumbrances for the benefit of " XXXX '' including deleting the referenced negative line of credit and all lines of credit that remain on my report in conflict with the FCRA. I also require to be made whole financially at $ XXXX/per FCRA violation by PROFESSIONAL DEBT MEDIATION, which totals to {$4000.00} to be made available to XXXX, XXXX ( 15 USC 1681n ) for the willful noncompliance of this company using my information this long with out my consent and without properly providing me with an detailed copy of the investigation that took place to let this damaging balance remain on my credit report " AFTER '' being PAID IN FULL on XX/XX/2014 ( see attached receipt ). 

The FCRA 15 usc 1681 frowns upon the re-insertion of unverified debt, and has continuously damaged me for the period lasting over 30 days in violation of 15 USC 1681 ( i ), ( j ) & ( m ). I also have an UCC 11 debtor search Certified from the Texas Secretary of State showing there is " XXXX '' debt owed to any alleged creditor ( see attached UCC11 ). I further require a return of the proceeds for the use of my private property ( SSN ) and all other equitable relief I am entitled to as a " consumer ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my attempts to receive an annual credit report, and to place a security freeze on my credit information with TransUnion. Regarding both XXXX XXXX XXXX, I was able to accomplish both of these tasks on line quickly and easily. 
However, with TransUnion I have been totally blocked from both receiving an annual report and with placing a security freeze. On XXXX and again on XXXX I attempted to use the online service, XXXX to receive my annual reports. When applying to TransUnion, I was told repeatedly that my application was blocked due to high volume. After several tries, I was told that I had received my report already. ( I have not received a report ). Today, XXXX, I attempted to place a credit freeze on my data. Again, with XXXX XXXX XXXX I was able to accomplish this easily on line. At the Transunion site ( transunion.com ) there was no discernible link to place a security freeze. When attempting to reach them by phone, I was repeatedly disconnected. On their website I was directed to set up an account, later I came to understand that I would be charged {$19.00} per month for this, and immediately cancelled the account. Clearly, TransUnion is only interested is selling useless products, not in providing the simple info required by law.
Product: Debt collection

A notice was issued to me on XXXX XXXX from the IRS stating that we owed money for our 2021 Form 1040 Tax Return because of a Cancellation of Debt to Bank of America ( BOA ). The claim is that a 1099-C in the amount of {$25000.00} was issued by BOA to me but was not reported on our tax return, and the IRS is therefore claiming we owe {$3100.00} plus interest for a total of {$3300.00} on our 2021 taxes. 

I have contacted Bank of America and have concluded the " Cancellation of Debt '' was for an account that did not belong to me. It was attached to my SS number, but I have never had a BOA account, and the associated e-mail address never belonged to me.
Product: Debt collection

On XX/XX/XXXX, I contacted Caine & Weiner through the CFPB to try to get validation of this alleged debt. They responded on XX/XX/XXXX saying this : We have reviewed this complaint and our records. The file is for a past due automobile insurance with Progressive. The contract was with our client, Progressive. Caine and Weiner is a debt collector. Our company does not buy debt, we collect on behalf of our client. Our company is obligated to report accurate information to the credit reporting agencies. The initial letter was sent to the consumer XX/XX/XXXX. Validation will be sent today, XX/XX/XXXX, to the address provided in the complaint. The account is currently flagged as 'Disputed ' in our database. We will send a request to the credit reporting agencies to note this account as 'Disputed ' to allow the consumer the opportunity to follow up with our client. This action places a temporary removal of the debt from the consumer 's credit report. since then, the account has never been removed from my report. I think Im being fair giving them 45 days, but this action still hasnt been done. They only sent me the last letter from progressive - that doesnt prove anything to me. They told me to contact Progressive when theyre the one sitting on my report damaging it every single day. The letter they sent over to validate the debt had this is an attempt to collect a debt when validation shouldn't have been an attempt to collect the alleged debt. This company also pulled a soft inquiry on my credit report on XX/XX/XXXX when the account was disputed, therefore making another attempt to collect a debt when they shouldnt have been. I emailed their attorney, XXXX XXXX, advising him of their wrong-doing, on XX/XX/XXXX. My concerns were neglected as I didnt receive a response. Im quite confused why this company isnt complying or stating false statements about removing the account from my report but not doing so, but its very concerning.
Product: Credit card

I set up auto-payment for my Chase XXXX card and was told it was set up correctly. Nearly 2 months later, I started receiving calls from Chase tell me there was something wrong with my account. When I logged in, I saw that my payment was overdue, and therefore I was incurring interest charges. In addition, there was a returned-payment transaction that had zero details. I called Chase to ask why I received zero notifications or emails that an auto-payment failed, they said : " you have to log in to see your notification ''. I then told the rep that there was no notification in my account, he started giving me a really long roundabout. This is an incredibly shady and predatory business practice to allow customers ' payments fail, give them no notice, so that Chase can passively charge interest income.
Product: Credit reporting

YES HI, I 'M NEEDING YOUR HELP WITH TRANSUNION WHEN THEY HAD THIS COMPUTER GLITCH! ALL MY INQUIRES WERE REMOVED FROM MY CREDIT REPORT, TRANSUNION NOTICED THE ERROR AND HAD THEM PUT BACK ON MY REPORT THAT IS AGAINST THE LAW!!. WITHOUT WRITTEN NOTIFICATION BEFORE IT 'S ADDED BACK ON. I CALLED TRANSUNION XXXX AND ADVISED THEM AND I WAS TRANSFERRED TO THE SPECIAL HANDLING DEPARTMENT. I ADVISED THEM THAT MY INQUIRES WERE REMOVED AND SUDDENLY THEY REAPPEARED, AND I WAS N'T NOTIFIED IN WRITING THAT THESE THINGS WOULD BE ADDED BACK TO MY CREDIT REPORT. I ALSO ADVISED THEM THAT THIS WAS AGAINST THE LAW & YOUR COMPANY HAS BROKEN THE LAW!!!!! PER FRCA SECTION 611.
Product: Credit reporting

After several low quotes for car financing, I decided to research my credit ( freeannualcreditreport.com or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( Transunion and XXXX ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with Transunion & XXXX. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX