23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Requested Debt Validation, Original Signatures of contract and contract dates that allow them to collect on this debt; was provided with nothing. 

As per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX  days. Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be PROMPTLY DELETED or CORRECTED. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request the XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed items XXXX. Provide me with ALL documentation used to verify the accuracy of the disputed information XXXX. Delete any information that is inaccurate, as mandated by law
Product: Checking or savings account

Wells Fargo online profile to open fraudulent checking/savings account Fraudulent banking and communications with impersonating representatives Information distributed dark web : XXXX Denied deactivation of profile XX/XX/2021 Stated I would receive a card soon and accounts could be closed when documentation was received Directed to local bank to close account ; bankers could not verify account information Received unwarranted communication Wells Fargo was not applicable to me. 

Mail theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report on XXXX and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.
Product: Credit card or prepaid card

COMENITYCAPITAL/XXXX Account XXXX XX/XX/XXXX-showing 30 days late This credit card has been an absolute headache since I first applied. First, the person at the register that helped me get the account, entered my information ( mailing ) wrong. My card was delayed in coming, and my statement never arrived. Without an accurate account number, I could not sign up for online payment options until several months AFTER the card was issued. 
XXXX had to reverse late fees due to error on THEIR part. I called customer service, which took nearly an hour to get through to someone. Now fast forward to summer 2020, when I finally used the card again, they failed to send me a bill. When the bill finally came, I had a late fee!! I have worked very hard on having positive credit over the past several years, and this is the only late item on my credit report. Why would I neglect such a minimal bill on purpose? And why was this reported on my credit report? This has caused my score to drop. Please help resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have experian up date my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX
Product: Credit reporting or other personal consumer reports

I am very upset that XXXX continues to not fix the issues with my login and I am unable to access my credit reports and files. XXXX has not contacted about the matter and it is over the time limit for this matter. I will seek litigation if the matter continues. I have exhausted all means to fix the issue regarding my reports and files. I retain all rights per FCRA and Title United States Codes to access my credit reports and files.
Product: Credit card

The fee is for the rental of a vehicle that was defective/damaged and returned to the rental company. I have sent proof several times via email to citi, they have open and re open the investigation a few times, I escalated it recently with the executive office but citi has failed to correct the issue. 
Once again the item was defective and did not work, not only that but placed my family at risk by the vehicle stopping working in the middle of no where with NO HELP from the rental place at all. This Will escalate if citi doesnt correct the issue. 
I have send citi screenshots of the times I communicated to the rental place of the car being defective and when it broke down. That charge is illegal. 
Date was XX/XX/year> amt XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several request to have information reported on the credit report corrected due to COVID-19. Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XX/XX/XXXX andXX/XX/XXXX. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic.  Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/XXXX which is still being reported as last on my account. 

As a XXXX military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are in collusion with violating the DODD FRANK ACT AND FCRA 15 USC SECTION 1681g.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I submitted a complaint with Transunion due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by Transunion as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.
Product: Debt collection

XX/XX/XXXX a fraudulent account was opened under my name with XXXX XXXX XXXX. This went without my knowledge until a collection agency ( XXXX XXXX ) posted an account associated with XXXX XXXX XXXX for over {$500.00} in XX/XX/XXXX to my XXXX credit report. I then took steps to resolve, dispute, and remove the account from my credit report in XX/XX/XXXX. 

On XX/XX/2024 I received a notification that a Credence Resource Management posted an account associated with XXXX XXXX XXXX for over {$500.00} to my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep reporting my personal information as inaccurate, the last day active is inaccurate, and collection reported inaccurate. This is grounds for removal. They also violated my rights under the following : 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.S 1682 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I went on Wells Fargo 's website on XX/XX/XXXX and paid my student loan. I received a credit monitoring alert saying my payment was 30 days late and my credit report was lowered by nearly 60 points. I called Wells Fargo to see what was going on, they opened an investigation. They called back saying they had no record of the login or payment. I paid last month 's bill and this month 's as soon as I saw what had happened. I asked them as a courtesy to forgive this late payment as I have always paid my bills and I am in the process of getting a home loan and I don't want their error to impact that, they said there was nothing they could do and they see it as my error. I never received a phone call, email or letter informing me that the payment was late so I had no concern that the payment was made. 
I have had this loan through them for almost 8 years and I find it ridiculous that given my situation with the home loan and the fact it was their system error that they would not help me out and rescind the negative mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXXXXXX XXXX ; XXXX located in XXXXXXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$24000.00} XXXX  Account # XXXX : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX, i called Santander consumer to explain to that I went through multiple family deaths within this year and last year & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told NO they can not and will not do any adjustments and they dont like to keep received emails asking.I informed they that I was really sorry and will most def pay on time for the remaining time on this contract with them she didnt want to hear what I had to say. I informed her I was contacting CFPB & she said it didnt matter nothing would change. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with Prestige Financial to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Applied for line of credit. I was told it was only a soft inquiry but it shows as a hard inquiry. 
the account has been closed but its still showing as a hard inquiry on my report.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the Apple Card with Goldman Sachs after improving my credit tremendously by reducing my debt, removing inquiries, and resolving any negative items on my report. I was denied due to excessive inquiries and " delinquent accounts '' which I know was incorrect but I recently had my inquiries removed and remedied all deficiencies on my report. Today, I reapplied was given neither a denial or approval, I received an email stating that I applied too many times and my information could not be verified. When I called the Apple Card phone number listed in the email to have my application reconsidered, I was told that the representative could not see my application from today in her system ( despite me having an email response from that application ) and only way to receive reconsideration was to apply again. I have applied again and received the same response. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction and I am asking that my application be reconsidered. As I stated previously ; I do not have high inquiries on my report, my credit utilization is XXXX XXXX, I have no collections or charge off accounts. There is one closed account that has a comment of XXXX  days late and it is a student loan opened in XXXX  and reported lateness in XXXX  which was removed by the loan company but they did not remove the inaccurate comment of XXXX days late. If you were to review the payment grid for that account, it shows no incidents of lateness and is reporting inaccurately. I have no other late payments or derogatory accounts. I have perfect payment history.
Product: Credit reporting or other personal consumer reports

accounts being reported are being list inaccurate : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan is currently under administrative forbearance because of the SAVE court challenge. During this time the loans are not supposed to accrue interest, but interest is still accruing and MOHELA recently sent out a notification that interest will continue to accrue instead of being cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont know what you guys did but my credit fell XXXX points you didnt change anything so why did my credit drop XXXX points delete inquirys i stated
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have been trying to clean up my credit and investigate and ask for the correct information and the credit agencies. Due to my information being leaked in a data breach. The correspondence I received back could not provide this. 

[ Creditors Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] [ Send a fully detailed list of the payment history on this account ] [ Has there been any insurance claim found on this debt ] [ Show the chain of title that you have to collect on this debt ] [ Is there proof a Dunning letter was ever sent ] Per 15 USC 6802, 15 USC 1681b, 18 USC 1028A, My credit has been effected illegally.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX, THE FOLLOWING ACOUNTS : XXXX XXXXDEPT OF EDU # XXXX 15 USC 1681 SECTION 602A : STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION II : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OU MY WRITTEN CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries, I reach out to both companies and the 3 credit bureaus and havent received a investigation or any call back sent in numerous documents and still no changes XXXX XXXX XX/XX/XXXXXXXX XXXXl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 On XXXX, all the information was provided completely and accurately ; however equifax refused to provide my credit report. The report was denied with no explanation.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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: Debt collection

On Monday, XX/XX/XXXX, someone named XXXX XXXX called my parents ' landline and said he got " failure to respond '' papers. He didn't describe who he was or what this was regarding. He told me to call XXXX. A XXXX search said this number is to " XXXX XXXX XXXX. '' However, the website he directed me to was for " Direct Recovery Services. '' He called from the number XXXX. Multiple websites say this is a scam phone number. 

On Wednesday XX/XX/XXXX, XXXX XXXX called my parents ' landline again leaving a similar message to Monday 's. He once again didn't identify who he was with or what this was specifically regarding. He called from the same number as Monday, XX/XX/XXXX, but gave a different number to call back. It started with XXXX but I accidentally erased the number before writing all of it down. 

On Friday, XX/XX/XXXX, a phone call went to my parent 's landline. This message didn't give a name, who they were with, or what this was regarding. What it did say was that XXXX requested to have a hold put on my account, and that hold has expired. I have no idea what they're talking about, and I in absolutely no way whatsoever put a " hold '' on any accounts. This call came from XXXX. Many sites say this number is a scam and/or zombie debt collector scam. This message told me to call back at XXXX. A quick XXXX search pulls this number up with random results, including one being a general tech support line. 

On Monday, XX/XX/XXXX, at XXXX XXXX XXXX called my parents ' landline again. This time he said he had " authorization '' to give me a final call and that based on my " public record '' I'm not " this kind of person '' and should call him. I don't know what he thinks he's implying here, but it made me feel stalked and extremely threatened, and I *refuse* to engage with that. He gave me yet another different phone number to call back. This time the number was XXXX, and most XXXX search results pull up IRS scams. However, one PR site lists this as the company contact number for the XXXX XXXX 

On Wednesday, XX/XX/XXXX at XXXX, I received a call to my cell phone and my parents got a phone call on their landline. This recording didn't say who they were, who they were with, and only that they were " given special final authorization '' to allow me to resolve the matter by paying 60 % of whatever unnamed debt they've yet to outline. This message told me to call back XXXX. That XXXX search didn't reveal much of note. Though all of the messages told me to go to " Direct Recovery Services '' website, this is the only call that comes from a number linked to Direct Recovery Services.