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

I made an uninformed decision when I entered into a contract with XXXX XXXX XXXX, nor didi give Credit Collection Services any permission to access my personal information. Identify theft.Only evidence of a debt was the agreement which is null and void because I did not receive any notice stating the facts thereof, was never clear and conspicuous as stated in the federal law 15 usc 1601k. Congress clearly states that an any contract or agreement must be clear and conspicuous. There is no evidence of a debt. I never received any adequate notice stating the facts of this contract ; there for this agreement is deemed null and void.
Product: Credit reporting or other personal consumer reports

In my recent CFPB complaint to Experian # XXXX, Experian responded that the reported XXXX XXXX info does exist on my credit report however Experian is still reporting the info which continues to negatively impact my score. Furthermore, Experian has been super quick to allow XXXX XXXX to publish & be the author/authority of negatively reporting & impacting my credit score however Experian takes their sweet time to answer investigations & CFPB complaints as if their is no urgency at the height of inflation & my geographical economic region. I have spoken with Experian over the phone & was basically told that conpanies like XXXX XXXX can put whatever fraud onto your credit report & that is solely up to XXXX XXXX XXXX XXXX XXXX wants to remove it or not which i find to be overly rediculous like i'm being lied to when i know uniform commercial codes that do not allow for this type of behavior.
Product: Credit reporting or other personal consumer reports

This is my 1st attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached here with are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Product: Student loan

I am on the Loan Forgiveness Program, three years ago I got a letter that I qualified for 40 payments, then I made 9 more payments, and one day I looked at the computer that said I had 35 qualifying payments. When I called 11 months ago they told me it was a computer problem and they would fix it, I called them ten times more times I emailed them 10 times and there is never any updates. 
They keep ignoring my questions, they continue to verbally promise me I have made 70 qualifying payments but they never answer my questions. The computers keeps saying I only have 35 qualifying payments, and when they do answer my email they give me an answer with a pre made form that clearly shows they have not read any of my emails. It has been 11 months and I need a clear answer as to how many payments they qualify. When I call they say I will be qualifying for 70 payments, but I only see 35 qualifying payments.
Product: Credit reporting or other personal consumer reports

I discovered a hard inquiry on my credit report from XXXX  XXXX on XXXX. I did not authorize permission for my credit report to be ran. XXXX XXXX has violated my consumer rights due to the FCRA. I believe this action to be fraudulent and I request this hard inquiry to be removed from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

In XXXX last year after having vacated the apartment in XXXX a summons was issued but not in accordance with law stating that proof of service is required. I was never contacted or served, that my fiduciary partner could have been. They refuse mediation and required the city Employee with me since the beginning obtain records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate of prior complaint that TU has not resolved. In XX/XX/2018 a  lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXXand the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX 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
Product: Debt collection

I contacted portfolio recovery company by mail to verify that I owe the debt within 30 days and they fail to do so. They constantly call and harass but fail to verify the debt.
Product: Credit card

Citi I was offered a promotional rate of 9.9 % rather than the standard 28 % approximate rate for promotional term. I made purchases with the understanding that the purchases would be subject to the promotional rate for the duration of the purchase lifetime until paid due to the small tech size and convoluted legal terms in the offer. 

I charged a large amount of purchases to the account in the amount of {$5000.00} to {$10000.00} under the flex pay in flex loan plans which offered much more attractive terms in the 10 % interest range. I paid off much of this however since the flex plans were slightly higher than the short-term promotional rate my payments were made toward the short-term promotional rate and when it ended those balances became subject to the full rate which I would not have entered into the transactions had I been aware of this. Apologies for some grammatical mistakes it's late and I'm translating this with voice transcription but I don't have the finances or time to hire a lawyer to go through all the offers I get.
Product: Checking or savings account

Several of my accounts at Chase were victim of ACH fraud which was first discovered on or about XX/XX/2018. On XX/XX/XXXX, I received a call from Chase criminal fraud regarding a suspicious ACH transaction. I reported that as fraud. Subsequently we discovered that multiple accounts had been attacked. In one case we know the perpetrator and have filed both local and federal complaints. 

I suggested that all accounts I had at Chase should be closed and reopened. My Chase banker told me that wasn't necessary. Subsequently, on or about XX/XX/XXXX another account was attacked and approximately $ 200K was withdrawn. Chase has investigated, accepts responsibility, and has allegedly attempted to return the funds. The failure to return the funds is the subject of this complaint. 

I have had *numerous* conversations with my Chase bankers and various escalations departments in the last month. Chase 's back office has *repeatedly* misrepresented the status of the claim to both me and my Chase bankers. These misrepresentations have ranged from whether the fraud complaint was actually filed, to whether and when cashier 's checks had been sent, to what location they had been sent and when they might arrive. 

As we sit, Chase says they have sent not one but TWO roughly $ 200K cashier 's checks to a location in another state that they will not disclose but which is not the address on my account ( about a year ago I spent several hours in person with my banker assuring the correct addresses and signatories on my accounts ). 

Now, in order to replace the funds, Chase is requiring me to sign an affidavit which among other issues has me aver that I have personal knowledge that the alleged checks were lost, provides Chase a unilateral right to require me to get a bond for the checks, and worse has me indemnifying Chase for any loss with respect to those checks. 

Chase repeatedly misrepresents what the affidavit actually says, saying that it only refers to my personal actions. 

This issue has been escalated within the branch banking structure, the customer service infrastructure, and what was referred to as the " executive escalation '' group. The last conversation was with XXXX XXXX with executive escalations who provided case number XXXX. XXXX was engaged and seemed to understand the problem. We were to have an update Friday. No update. 

As instructed, I have not attached the actual fraud complaint forms for Chase as they contain the account numbers in question. If you need them, I am more than happy to provide.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I received an alert indicating that my credit report was recently accessed on XX/XX/2024. However, I do not have any knowledge or authorization of such an inquiry. 

Please provide the details of the inquiry, including the name of the entity that made the request and the date it occurred. If this inquiry was made in error, I request that it be removed from my credit report immediately to avoid any negative impact on my credit score. 

I appreciate your prompt attention to this matter and look forward to your confirmation once the issue is resolved. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax about a BankRuptcy and Collection account XXXX and asked them to verify the information. Another Letter was sent on XX/XX/XXXX asking them to provide actual proof that these accounts have been verified and are accurate. And have sent yet another letter on XX/XX/XXXX asking again for proof. 

I have done my own research and still disputing with the Third party computer XXXX which they so happen to get this information from and even got a report that contradicts which Equifax is claiming they verified the date filed is not the same and also Reference # is not the same Also included in the dispute was an account with XXXX XXXX showing an account # and Open Date is different from what XXXX has sent to me as well. Which I am also in a dispute with XXXX Date filed on Equifax for Bankruptcy is XX/XX/XXXX and XXXX Shows an open date of XX/XX/XXXX which contradicts where they say they have verified this information from and have yet from both agencies XXXX XXXX and XXXX to give any actual proof of this information as well as Equifax providing actual proof of the investigation they have done in regard to these accounts still being reported on my credit report.
Product: Checking or savings account

When I was XXXX years old, in XXXX I opened a Bank of America checking Account for the first time. At XXXX I didnt have a lot of money, but I did have enough to keep it open. 1 week later the account was restricted, I called Bank of America, the bank said they made a final decision to close the account and no longer do business with me. Fast forward 3 years later, I try to open a checking account again today on XX/XX/XXXX and receive the same explanation. I dont owe any money, I dont write checks, I didnt do anything wrong and here I am sitting in limbo trying to figure out what the XXXX is up with this bank. Are they XXXX or something like what the XXXX is going on here.
Product: Credit reporting or other personal consumer reports

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

EASTERN ACCOUNT SYSTEM, INC. 
XXXX XXXX XXXX XXXX, CT XXXX Acct XXXX XXXX XXXX EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX Acct : XXXX XXXX EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX Acct : XXXX XXXX EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX Acct : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that incorrect information is still being reported by XXXX, Experian, and XXXX. Despite submitting multiple disputes, the inaccurate data has been repeatedly verified as correct. I have attached clear evidence that shows this information is wrong, and the failure to correct it violates the Fair Credit Reporting Act ( FCRA ), specifically sections 623 and 609. These provisions require that credit bureaus and data furnishers ensure the accuracy and integrity of the information they report. 

I am requesting that this incorrect information be removed from my credit report immediately. Continuing to report and verify inaccurate data without conducting a proper investigation is unlawful and negatively impacts my credit standing. I urge you to take corrective action and update my credit report to reflect the correct information.
Product: Debt collection

I am writing concerning the ongoing attempts by LVNV Funding LLC to collect on an alleged debt referenced in CFPB Case # : XXXX and Case # : XXXX. I have made several requests for validation of this debt, but have not received adequate documentation proving I owe this amount. 

As the law requires, I am requesting that LVNV Funding LLC provide the original purchase agreement for this account, which should clearly show that I, XXXX XXXX, am the legal owner of the debt you are attempting to collect. This agreement must include all terms, conditions, and responsibilities associated with repayment. 

LVNV Funding LLC is unable to validate this debt by providing the requested documentation, I will have no choice but to seek legal counsel. LVNV Funding LLC continued collection efforts without validating the debt first is in violation of the Fair Debt Collection Practices Act.
Product: Vehicle loan or lease

Predatory loan from Credit Acceptance Corporation. This is my XXXX loan with the company.My interest is too high.I have a past due balance that continues to roll over month to month
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that my personal information was compromised as a result of a data breach. This breach exposed sensitive data, including my [ specify compromised information, e.g., Social Security Number, account information, etc. ], increasing my risk of identity theft and fraud. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable data protection laws, I am requesting that you delete any information related to the compromised data from my credit file. This includes, but is not limited to, any accounts, inquiries, or other records that may have been affected or fraudulently created due to this breach. 

Please confirm in writing once the deletion has been completed or if additional information is required. I appreciate your prompt attention to this matter, as it is critical to maintaining the integrity of my credit report and protecting my identity. 



Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

This is concerning the collections account with XXXX XXXX XXXX. Account was involved in litigation. Case number : XXXX XXXX. XXXX was dismissed on XX/XX/2023. This collections account needs to be removed from credit report.
Product: Student loan

I have been filing out the PSLF form each year that I have worked for the State. Back in XX/XX/XXXX, I submitted my PSLF form and Mohela emailed and stated that the request was denied due to insufficient information. I called Mohela and resubmitted the form, confirmed the accuracy of the form submitted. I have been working for the State since XXXX, somehow since Mohela have taken over my loan, it has been difficult to verify my employment in order to get the eligible qualifying waiver towards my loan forgiveness. Since XXXX, I have made attempts to submit my PSLF form to verify my employer and it's always something. 
Finally in XX/XX/XXXX, I called, verified with a rep the PSLF form was filled out correctly and submitted. There is an employment verification gap from XX/XX/XXXX to XXXX XXXX again remindig that I have worked for the State since XXXX. When I submitted the form, I was told this would take 45 business days minimum. Finally on XX/XX/XXXX, I received an email that my account was updated and to my surprise the XXXX through XX/XX/XXXX gap is still there. Since then I have called 7 times, each time I am told there was an error on Mohela 's part, my account would be updated and noted. On XX/XX/XXXX, I requested to speak to a supervisor to ensure my account does get update. Spent over an hour on the phone and was not able to speak to a supervisor. I was told one would could me back within a business day or same day I called. 
Today XX/XX/XXXX, not only did I not get a call back from a supervisor ; I also called to speak to a rep yet again about my account that have not been updated. I was on a hold for a hour and 30 minutes, was able to briefly speak to a rep who wanted to verify my information even though during my call I had to punch in my ssn and date of birth. After a couple of attempt from rep to verify my ssn/dob, the call was dropped to no call back.
Product: Credit card or prepaid card

Im sick and tired of his bank denying me credit I applied in store this time as they told me with my id and their stupid system wont even pull my credir to see if I qualify for this card Tjx card why are they doing this to me must they hate me
Product: Credit reporting or other personal consumer reports

FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. Additionally, the FCRA mandates that credit reporting agencies maintain accurate information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. Moreover, ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Reporting this repossession multiple times does not extend this statute and is therefore improper. Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted.
Product: Credit reporting or other personal consumer reports

I sent out instructions for Experian ( www.experian.com ) to delete a few items as addresses and phone numbers that were not directed related to me or an open account period. They sent me a notice stating they have disputed this with some 3rd party company that I did not mention to do, and they didn't correct all of the issues I instructed them to do, as well as there was no option to dispute any other items on my account, ie. Inquires.. 
They tried to tell me that there is a Limit to what I can dispute, I would like someone to explain to me and or Experian that this IS Not proper, and against my rights.. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Alerts keep popping up on my equifax XXXX and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized XXXX inquiries but to know available..
Product: Credit reporting or other personal consumer reports

While checking my credit score, showing missed payment of XXXX XXXX  of XXXX, as I already paid my gas bill of XXXX in XX/XX/year> on time as XXXX XXXX moved to new billing system but in credit agencies equifax, XXXX, XXXX credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.
Product: Debt collection

I contacted this company regarding this debt and requested verification of the debt. I asked how was the amount calculated, the original creditor and the service, proof of the company license, and proof that this collection agency owns the debt and or assigned to the debt. 
Company failed to provide verification as of today and is currently reporting negative activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an XXXX XXXX credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX