23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the numerous attempts I have made to correct the issue of late open accounts associated with Credit Bureaus. 

Over the past, I have made several attempts to address the matter of late open accounts, but unfortunately, the issue persists. Despite my efforts to resolve the situation through various channels, I have not received a satisfactory resolution. The persistence of this problem has caused me significant stress and inconvenience. 

To provide context, I have diligently followed the recommended procedures outlined in your customer service guidelines and have communicated with your representatives on multiple occasions. However, despite my best efforts, the issue remains unresolved.

I have attached copies of the correspondence and documentation related to my attempts to rectify this matter. This includes reference numbers, dates of communication, and any relevant screenshots or statements that may aid in understanding the gravity of the situation. 

I understand that oversights can occur, but the continued presence of late open accounts on my account is unacceptable. I urge you to conduct a thorough investigation into this matter and take immediate action to rectify the situation. Additionally, I request that you provide me with a detailed explanation of the cause behind the recurring issue and assurances that steps will be taken to prevent its recurrence in the future.

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant consumer protection agencies and consider legal action to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4900.00}.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on XX/XX/XXXX with Upstart Network and was approved for a loan of {$1000.00} however I did not accept the amount, because I did not need it at the time. The loan offer expired so I reapplied on XX/XX/XXXX and was denied due to high balances on accounts and insufficient credit history which were all on my credit when I got the approval back in XXXX but in XXXX I got denied.
Product: Debt collection

This complaint is in regards to XXXX XXXX. This company has called me from the number XXXX a few times since obtainingy account with them. If I do not answer my personal phone they then called my work phone on XX/XX/XXXX they were advised verbally by our phone call not to contact my work phone number as I can not take personal calls at this number. They have called a couple of times prior to that on both phones but I do not have those dates unfortunately. On XX/XX/XXXX I received a call from XXXX from XXXX XXXX and I was not able to take this call but someone else did and took down a message from them. Not two minutes later I got a call on my work number after they were advised I can not take personal phone calls at that number. I let the gentleman on the line know again onXX/XX/XXXX around XXXX XXXX  not to contact my work phone number again and he ignored me and began talking about my balance owed. The gentleman on the line began raising his voice as I told him I can not pay anything currently nor can I commit to something at this time due to financial hardship and he said he was not there to hear about my burdens just there for business. They stated this was the last time they would call before they sent my account back for refusal to pay. My wife then took over the call and their supervisor got on the line and wanted to set up payments. My wife asked for a letter regarding the payment arrangements first and they did not want to do that and they said they simply did not want to send something out for a {$25.00} a month payment plan. So we advised him to send it back then because we want something in writing. He stated that something was sent in XX/XX/XXXX but we had not recieved it and he stated that we threw it away. They were demanding payment by the end of this month and that is something we could not do and would not without something in writing first and they would not provide it. Each time this company calls they yell and threaten that they have just today to get this resolved before it goes back to the original creditor. I spoke with the original creditor and they stated they are not expecting anything back regarding this account with them. Please get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, Transunion, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681.

According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX  XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXX XXXXXXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for a week to freeze my credit information at Equifax. I have gone on-line and tried three or four time with no results. The Screen freezes or says it ca n't do it, and there 's no one who seems to give a XXXX. 

No phone number to resolve this issue, and no way to freeze my credit after they screwed things up. 

What do I do now??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB Complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items and help me delete I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see wrong accounts on my credit report, and XXXX at a loss as to why theyre even there. Ive checked my report, as I do regularly, but suddenly, errors appeared for no reason. I tried refreshing my browser, thinking it might be a glitch, but nothing changed. Those wrong accounts remained. XXXX requesting that the documents Ive provided be reviewed thoroughly so I never have to worry about this again.
Product: Debt collection

I had an account with XXXX XXXX XXXX  and I never use the account never once charged it. I ended up very sick emitted to the hospital stayed there for 6 weeks and during that time somebody had gotten hold of my credit card that was too XXXX and they charged it all the way to the {$300.00} limit. Every so often I check my credit report on a regular basis throughout the year and I came across the XXXX account listed as derogatory and had multiple months without payments made. if someone would review my credit file I believe it's apparent I was unaware of the charges, I have been excellent with paying bills on time and to keep my available credit around 50 % .so after I found the error on my file I called XXXX and ask them what was going on. I thought maybe it was an error on their end but it wasn't it was somebody who had fraudulently charged my account so I disputed it with them it took a while but eventually they did actually remove the whole account in my favor after I provided enough relevant information that shows that I I did not authorize any transactions to do with that and I will provide that dispute letter that resulted in the deletion as of XXXX that out of the way, my current problem is that while I was fighting XXXX to correct the item, it evidently went into collections and sold to a debt collection agency known as XXXX XXXX . I  thought it would be easy to remove the XXXX account being I do not owe them anything. I have called XXXX, disputed them twice proving to them with documents showing im not in debt to either company. I've felt more than once disrespected when trying to reason with a representative .instead of showing an empathy type of demeanor towards me for having all this stuff to deal with that I don't deserve, I get an offer for them to remove the collection of my file IF I pay only XXXX dollars instead of XXXX. Long story short im either not understanding something or XXXX XXXX is holding this hard credit hit over my head until they get paid something XXXX dollars would be well worth it to be done with this nightmare and I have the means to pay that but it's the principle of how im treated according to my actions. I refuse to pay for something a criminal stole from me.
Product: Credit reporting or other personal consumer reports

According to my credit report, this account is showing charged off in the year 2023. I am requesting the creditor to send me a copy of the Form 1099-C, Cancellation of Debt form that you sent to the IRS. By law if an account is charged off you cant keep reporting it as late. This is fraud. I am requesting that this account be removed immediately. If the account is not removed, I have already sought out legal counsel and you can deal with them. 

Navy Federal Credit Union Account number XXXX
Product: Debt collection

I am not liable for this debt & I have no contract with this company. They have not provided me with the original contract as required.
Product: Credit reporting or other personal consumer reports

I have disputed multiple accounts on my XXXX credit report including XXXX accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, multiple times during the period of XX/XX/year> thru XX/XX/year>. I have filed an identity theft claim with FTC concerning the XXXX XXXX XXXX Account. I have no knowledge of the vehicle attached to the account. There are inaccuracies and discrepancies on the other accounts that are being reported and are having a negative effect on my credit scores and financial well being. Each time I have disputed these accounts, XXXX has CLAIMED these accounts has verified that the accounts belongs to me AND are reporting XXXX XXXX  accurately. However, the information that is being reported to each bureau is completely different such as balances of the account, date of last activity, date last reported, etc. These inaccurate reporting are in direct violation of the Fair Credit Reporting Act Section 623 which requires that when a company provides information to a CRA, the are obligated under the FCRA to ensure the accuracy of the information that is being furnished. It is illegal per the FCRA to report information that is inaccurate. And the credit bureaus have an obligation to only report true and accurate information. As well as to PHYSICALLY investigate disputes of these inaccurate items in which I do not believe XXXX has done at all. The credit bureau has continuously failed to PHYSICALLY PROVE ownership of the reporting of these accounts nor have they PHYSICALLY VERIFIED the accuracy of their reporting per the FCRA guidelines. They contine to electronically " verify '' these accounts via the e-oscar system. They allow creditors to " batch verify '' thousands of accounts by merely pressing a button instead of requiring PHYSICAL verification.This practice is appalling and should not be allowed. It is obviously unreliable and flawed. The FCRA states that if any aspect of the account reporting is not accurate, the entire account MUST BE REMOVED. The credit bureaus has repeatedly refused to follow FCRA guidelines. I am hopeful that you will force XXXX to follow federal law and to remove these inaccurate accounts IMMEDIATELY due to their inaccurate and ILLEGAL reporting!
Product: Credit card

Comenity Bank- I called this bank back in XX/XX/XXXX about this account. XXXX XXXX credit card.They would not access the account without my verification of a social security number or a account number. I would not give them my social security number. They could not verify my account and could not help me. Did not have a account number. 

XXXX I filed dispute claim XXXX XXXX as not my card or account with XXXX and froze my credit. They did nothing. 
XXXX I filed dispute claim- XX/XX/XXXX not my card or account with XXXX and froze my credit. They did nothing. 
XXXXI filed dispute claim- XX/XX/XXXX not my card or account with XXXX and froze my credit, to my knowledge they cleared this as not my account. 
XXXX XXXX XXXX Comenity Bank sold this account to XXXX XXXX XXXX. They sent me a letter XX/XX/XXXX as a debt collector. I responded in writing that this is not my account and my debt, the same day. XXXX responded with another letter dated XXXX with account information and timeline of the debt purchases.the information had only my name. The address was all wrong. I received the letter XX/XX/XXXX, and will again respond in writing. Again stating not my debt and filing a complaint with the Consumer Financial Protection Bureau. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Bank if America XXXX XXXX  Visa card where for 6 months I called/faxed/completed numerous auto pay forms. 
I was told auto pay was set up in XXXX, would take 60 days to " activate '', called XXXX XXXX XXXX to confirm and was told auto pay was active and activated. 

I was then charged fees when it did not " auto pay '' correctly, and reported as 30 days late. I called to dispute and all fees and interest were reversed as it was plain as day there was an " auto pay error '' = it should have processed the payment from my asset account linked with auto pay that had funds available. But it did not. 

Please see the ledger notes confirming " bill pay error ''. There are a total of 58 comments on the ledger.
Product: Debt collection

I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt.

Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt.

4. A complete payment history of the debt, including any fees added.

5. Proof that you are licensed to collect debts in my state ( if applicable ).

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.
Product: Student loan

Key Info : There are 6 loans in total Three loans have a co-signer, who is my Father, XXXX XXXX I pay the 3 loans that don't have a co-signer via automated payments through my bank My father pays the other three through automated payments through his bank Key People : XXXX XXXX, payee. 
XXXX XXXX, cosigner XXXX XXXX, Member of the Office of the Consumer Advocate XXXX XXXX, Employee ID XXXX, Supervisor in Private Collections For the better part of a decade, our loan payments have been misapplied by Navient Billing, resulting in phone calls, voicemails, letters and emails notifying us that we are past due, deliquent and at risk of default and collections. I have been working with the Office of the Consumer Advocate to try to determine why and how the payments are continuously misapplied. We have been repeatedly told that we are sending payments to the wrong address ( despite these payments being sent electronically ), that they are going to the wrong account numbers ( these are supplied by Navient, and as of today we discovered that the acct # my parents use is incorrect. We were never notified that it changed ). The account number issue was brought up by XXXX XXXX today, XX/XX/XXXX. The originally account numbers aka loan group numbers, were set up over 5 years ago. We have also checked and verified that all mailing addresses are correct. 

XXXX XXXX has recently been assigned to managing my account without my notice and without explanation. This began on XX/XX/XXXX. She has consistently failed to respond to emails and voicemails and does not answer her phone when called. She has failed to consistently reapply payments in a timely manner, resulting in renewed threats of default, despite numerous notes in our account that billing and collections is not to contact my parents at the very least. 

We are consistently given changing information. No call to the Office of the Consumer Advocate provides the same information, and it is difficult to get responses at all. They claim repeatedly that they have " investigated '' the account, but have not ever produced findings to explain why this keeps happening, or how they will resolve it. 

I have filed a formal complaint with their office, and have been told they will respond in 2-3 business days. They are unlikely to do so based on their current behaviors. This will result in a daily complaint filed with the CFPB until this is resolved in finality. We are currently unsure that we can trust that the total loan amount we owe is accurate because payments have to be reapplied so often, late fees are applied then removed, and all of this effects the actual accrued interest on the loans. My suspicion is that we will likely be paying far more than we have to due to miscalculated interest and misapplied payments. 

Due to all of the above issues, we do not receive accurate and correct billing statements, and have not for many years. I have repeatedly asked for updated billing statements after payments are reapplied, and have been promised them but never received them. When I follow up on this, I am told " we don't do that. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have borrowed several times from onemain financial. The meeting went the same way it always had. This time I went to borrow XXXX to consolidate some credit cards that was fully maxed out. I knew I couldn't get much, I had 1 full time job for XXXX, and another that paid me XXXX and I was only used for on call. XXXX did some figuring and said I could borrow up to XXXXXXXX XXXX that was a tempting number. he said he could make so I wouldn't have a high payment, so I asked for an extra XXXX so all together I took XXXX at XXXX a month I added insurance protection so the final number was XXXX XXXX Unfortunately I had lost my job. after a couple days I called One main and explained to her, and I wanted to know how my insurance would help me with my loan until I was able to find another job. she asked me still had 2 jobs what's the problem, The problem is i was accepted for XXXXXXXX XXXX because he wrote that I HAD 3 FULL TIME JOBS ITS AN XXXX XXXX. I lost my job on XX/XX/2022, my bill was due on the XXXX XXXX XXXX XXXX doesn't work there any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I found accounts listed that dont belong to me, and Im completely baffled as to why this is happening. Ive always monitored my credit without issues, but this time there were unexpected discrepancies. I even refreshed the page, hoping it was some sort of glitch, but the problem didnt go away. Im pleading for a thorough review of the documents I submitted so I can feel secure about my credit again.
Product: Checking or savings account

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.