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

I am unable to create a login or access my credit information with Equifax. When I try creating a login I get an error of NH. Call customer service and they have no idea what the error means. Tried different search engines as they suggested. No go. After talking to many different customer service agents, a ticket was supposedly sent to their IT department for help. Never heard from them. 

After I signed up for credit monitoring with XXXX, I contacted Equifax to unlock my credit report. They were able to verify me and supposedly unlocked report. I waited a few months to see if I could now create an account. Still unable to. 

In the last week, I have applied to be pre-qualified for a new mortgage. Mortgage company informed me that they spent 45 minutes on the phone with Equifax and they were unable to find my report and verify me. Luckily my credit is very good and they decided to use the other two. However Equifax 's inability to verify my credit report has cost me working with two other companies. It's as if I no longer exist and needs to be fixed. 

Prior to Equifax 's breach, I was able to log in whenever I needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, and transunion regarding fraudulent inquiries on my credit report I sent XXXX and transunion copies of my identity theft report But still the fraudulent information remains on my credit report.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit card or prepaid card

On XX/XX/2022 I paid my Capital one credit card completely off by selling my cryptocurrency ( XXXX ) from the XXXX app. when I sold my XXXX it automatically converts to American US dollars. The total amount was {$530.00} I did a ACH withdraw. XXXX has an ACH account number AND routing number. Capital one received my payment then locks my card AND account because they want to verify where my payment came from. Capital one said they wanted to see a documentation from XXXX XXXX XXXX XXXX STATEMENT with my name and matching account number. I stated to them over NUMEROUS phone calls that I do not have an account with XXXX XXXX XXXX and that Robinhood is BACKED by XXXX XXXX XXXX. I have called our a HANDFUL of a dozen times to clear this situation up, but still insist on seeing a bank statement from chase in order to unlock my account. Capital One took the payment and it did not bounce it back!! I should not have to show proof of where the funds are sourced. If there was any conspiracy as to where my funds were sourced from, they could have kicked back my payment and not accepted it, but they didnt. its been 4+ months already!!! I WILL be going to the FDIC, the FTC, and the Office of the Controller. 
CAPITAL ONE HAS BULLIED ME, and IMPACTED MY CREDIT SCORE that I have standing with each CREDIT Bureaus! I've lost over 100+ points to my FICO SCORE WHICH WILL HAVE LONG TERM IMPACTS TO MY LIFE FINANCIALLY and to my FUTURE EMPLOYMENT as ones FICO score is used for many items outside of goods & services.
Product: Debt collection

Company wanted to speak to a name no associate with me they also wanted me to verify my ssn however i told them i needed to know where they calling from and who they were. After numerous attempts of trying get information from them, They made verbal threats stating that they would hurt my credit and by law they would withdraw money from my bank account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a XXXX XXXX. About 5 weeks later the XXXX had an engine compartment fire that destroyed the vehicle. After the insurance company did there investigation an insurance check was issued on XXXX XXXX, XXXX in the amount of {$17000.00}. After the payment the balance was {$1000.00}. I contact First Investors Financial Corporation and set up a 50.00 a month  payment plan. After making a few payments, on XXXX XXXX an entry of {$290.00} was added to my balance owed. I contact the lender and question the XXXX and get put on hold, transferred etc. no explanation is provided. I continued to attempt communication with the lender requesting they prove the debt with a copy of my contract and/or account statements. Not wanting issues to effect my credit I requested to speak to someone in management, and after being transferred was able to settle the account for {$500.00} and agreed to pay before XXXX XXXX and management agreed to email me the requested documents. The documents never came and the XX/XX/XXXX, deadline passed.I periodically spoke with the lender over the next few months, trying to get an explanation for the {$290.00}. The lender began reporting the debt to the credit agencies despite never meeting my request to validate the debt. Frustrated watching the lender destroy my credit I contacted the lender again on XXXX XXXX and settled the account for {$590.00} verification code # XXXX, hoping I could get them to correct the credit agency reports now that i had paid the debt. The next day I received an email containing all the information I requested back in XXXX, XXXX. My complaint involves the lenders irresponsible handling of the account from the time the Insurance check was paid to them. Why did they withhold the information I requested to validate the debt from XX/XX/XXXX then provide the information in XX/XX/XXXX after I settled the debt? In the meantime destroying my credit despite my efforts to comply. I have spoke to several people about the issue since I satisfied the account on XXXX XXXX and the lender reported to the credit agency again on XXXX XXXX reporting 180 days late. In my opinion after making the payment and speaking to several employees of the lender they should correct all negative reports to the credit agency. If they would have complied with my request to validate the XXXX as required by law none of this would have happen and my credit would not have been ruined. They reported me again in XXXX. This is there error and they should be forced to correct everything they wrongfully reported to my credit!!!! I also explained to them that I am 100 % XXXX Veteran on a fixed income. My only request is they repair the negative credit entries that could have been avoided if they followed the laws protecting consumers when reporting to the credit agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience with Experian, where they have not removed nor corrected disputed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I sent {$1000.00} on XX/XX/XXXX for my XXXX payment. It was clearly marked that XXXX $ was to go towards the payment and XXXX was to go towards principal. Yet, again, for the 3rd month in a row they didnt allocate the money to the correct place. They sent all to principal and sent me a letter telling me I didnt pay my bill and requested a XXXX $ late fee. I have heard that financial institutions start taking advantage of people at the end of their mortgage and I dont appreciate the way they are treating us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortioXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00}.
Product: Mortgage

Good Morning! My name is XXXX XXXX my loan number is XXXX, is I 'd like to request your assistance. In XXXX XXXX 2013 to be exact, my home of XXXX XXXX XXXX XXXX, XXXX XXXX, was foreclosed. By this company, this mortgage company unfair policy and practices PHH XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Phone number : XXXX XXXXXXXXXXXX. Prior to the foreclosure, I made several attempts to request assistance from the mortgage lender to help me obtain a loan modification in an effort to attempt to save my home. My request was based on the economic downturn of the economy which resulted in government employees not receiving pay raises, loss of income due to tax increases, and a government furlough. Due to PHH Mortgage Company 's irresponsibly and failure to respond to my questions or concerns, I lost my home. The XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection, and your company agree there was miss conduct had occur and you all paid me monies, what I would be in our best interested is that your company remove the foreclosure from my credit. I have the information that was provide to me from the XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection and the Veteran 's Affairs. If you all need a copy of this information please let me know. Thank you for your time and assistance. Please contact me with any questions you all may have. I would like to have my VA loan reinstated.
Product: Credit reporting or other personal consumer reports

RE : XXXX I am writing to address a concern regarding my account and its reporting status on my credit report. On XX/XX/XXXX around XXXX EST, I spoke with XXXX XXXX XXXX a Compliance Consultant at XXXX XXXX XXXX XXXX about a complaint I had previously filed. During our conversation, we discussed that the response to my complaint did not meet the suggested resolution. 

The resolution I was given initially by XXXX, and later communicated to XXXX, was that my account should not be marked as charged off, since I was making payments. Specifically, on XX/XX/XXXX, XXXX mentioned that the account would be marked as closed with no charge-off reflected. 

During my discussion with XXXX XXXX, we also talked about the accuracy of the credit reporting. XXXX mentioned that the account was charged off in XX/XX/XXXX based on the information provided. However, my credit report indicates ND ( XXXX XXXX ) from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, after I made a full payment, the report showed CO ( XXXX XXXX ). This discrepancy is concerning, as the original representative I spoke with assured me the account was not in charge-off status. 

It is troubling that the account was reported as ND for nearly XXXX years and then marked as charged off after a payment was made to close the account. This sequence does not seem accurate, and XXXX admitted during our call that this reporting was incorrect. 

I request the recordings of my call with the representative on XX/XX/XXXX, as the information provided to me as a customer was not upheld. This situation does not comply with the Fair Credit Reporting Act ( FCRA ), and I respectfully ask that my credit report be updated to reflect ND for XX/XX/XXXX and XXXX ( Closed ) for XX/XX/XXXX. It is clear from the credit report that the account was never in collection, and Audi Financial Services did not report it as such until after I made a payment on XX/XX/XXXX.
Product: Debt collection

After further investigation this debt does not belong to me, also the company attempting to collect the debt is not bonded to do so in the state of Florida and not legally able to collect the debt on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX XXXX Account Number : XXXX As a consumer I have a right to privacy. By law this account must be deleted immediately. 
XXXX. 15 U.S. Code 1681n Civil liability for willful noncompliance XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a credit report alert for a collection with Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, COXXXX ( XXXX ) XXXX for medical collection with XXXX XXXX XXXX for the amount of {$840.00}. I contacted the the collection agency to get more information as I'm AHCCS covered by the government and should not be receiving any collections as I am covered at 100 % and have been for 4 years. The representative refused to provide me contact information and proceeded to threaten me with court filings. I have contacted the " original Creditor '' and they have no record of this account at all. Wakefield refuses to assist in providing me who filed this collection. At this point there is no record of any visits with XXXX XXXX XXXX and therefore this collection attempt is fraudulent.
Product: Money transfer, virtual currency, or money service

I attempted to buy merchandise from an individual and pay with Venmo. As soon as I clicked send I was notified that it was a scam I called Venmo immediately to stop payment. They said they could not stop payment. I called my bank and froze that payment which cost me {$30.00}. I asked Venmo why that scammer was allowed to have an ongoing account when they already knew about. They said they take this very seriously and remove scammers. However, they did no such thing. My account with them is now frozen, and I can not close it. Although if someone sends me money, they will keep it. How is this allowed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called TransUnion to report the credit inquiries on my credit report were unauthorized. TransUnion refused to help me dispute and remove the credit inquiries. These are the credit inquiries I did not authorized : 1. XXXX  XXXX 2 XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX XXXX 9. XXXX
Product: Bank account or service

My Bank of America checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the " statement balance '', the bank maintains a separate " account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Credit Collections Services are sending me letters to pay a dept that I do not owe ; Pin # XXXX I do not know this company I do not have a signed contract of any sort with this company. This is not my account.
Product: Credit card

I contest the validity of the account in question held by JPMCB CARD. I demand that JPMCB CARD verify under oath the validity of this claim, ensuring it is free from any claims or defenses, including but not limited to breach of agreement, failure of consideration, or material alterations, and confirming that the original lender provided value. Moreover, I assert that the alleged account was transferred in good faith and with the consent of all parties involved. If JPMCB CARD is unable to provide sworn verification for the aforementioned criteria, I insist that the account be expunged from both my credit report and their records. JPMCB CARD XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian. Despite my repeated attempts to dispute inaccurate information on my credit report, Experian has consistently responded with stall letters instead of addressing my disputes appropriately.
Product: Debt collection

I mistakenly paid a {$68.00} invoice to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) instead of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. Despite the fact that the services were not provided by the XXXX XXXX, they negotiated the check anyway. 

In XXXX XXXX I received my first of many notices from the collection agent ProCo to which I explained the situation in writing. I heard nothing more until XXXX when I received another notice from ProCo. This time I contacted the XXXX XXXX and XXXX XXXX requesting that the Group simply transfer the {$68.00} to the Center. I was told that such a transfer was not possible, and so I suggested that the Group return the {$68.00} to me so I could then write a new check to the Center. Subsequent to my suggestion, the XXXX called me and said the transfer was possible and the issue was resolved, which I believed since I did not receive my {$68.00} from the XXXX. 

In XXXX XXXX I was contacted again by ProCo and then today, I received a notice from XXXX XXXX XXXX, XXXX. I 've responded to both. However, it seems to me that the XXXX is the company at fault here because 1 ) they accepted payment for services they did not perform, 2 ) they did not transfer the payment to the center ( if you believe the collection agent and law firm ) and 3 ) they did not refund my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX Credit Card XX/XX/XXXX 2. XXXX/ XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquire on my credit report from this credit card company that I did make. I believe it was done fraudulent and I would appreciate it very much for them to remove it.