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

Credit Accounts have been disputed time and company failed to properly investigate disputed information. The below accounts were disputed with Equifax and consumer received no response on the matter beyond notating the account that consumer disputes account. No investigation was conducted and the collection agency keeps reporting. 

Date Reported : 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 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 XXXXXX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXXate Assigned XX/XX/XXXX Original Amount Owed {$330.00} Amount {$330.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION These are only a few of the accounts that are inaccurate on my report with equifax. I've reported inaccurate information, accounts that were not mine at all and fraudulent reporting to equifax, trabsunion and XXXX and nothing gets done. Once disputed with equifax the company only leaves disputed results in the portal for a temporary period and then removes the " supposed investigation results ''. 

I'd like to request that any and all inquiries, collection accounts and negative markings reported by equifax, XXXX and XXXX regarding my credit profile be permanently deleted. Due to the recent findings that equifax and others have not fully investigated disputes and further has acted irresponsibly with my sensitive personal data as seen via data breaches this is the fair and proper resolution. Once all negative, collections and inquires are removed I would like equifax, XXXX and XXXX  to send me a completed and updated credit reports. I have been sued in the past for a collection account that was not mine and had wages garnished over accounts that were not mine. This is not fair and if the credit bureaus can't act responsibly then they should not be granted my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires Nelnet to remove all late payments from my credit report?
Product: Student loan

I have emailed both of the companies I had a student loan with ( XXXX XXXX XXXX and mohela ). XXXX XXXX XXXX  responded saying they are no longer responsible so I emailed mohela about the issue. Although I made payments to both companies since XX/XX/2020. I wish to receive a refund for payments made after XX/XX/2020 on behalf of the new {$10000.00} relief for student loan debt. I qualify for the relief. However if I dont receive the refund before everything is processed Im worried I wont receive the full amount in debt relief. 
Thank you for your time XXXX XXXX
Product: Credit card

i never agreed to pay minimum payments ever. this was a promotional offer done thru an agent i agreed to pay whole balance off within promotional period with no fees no interest. 
i have had promotional offers before with XXXX XXXX  no problems but someone somehow made it so i ended up paying a double for tjhe item. including XXXX still due this will ruin my credit please help
Product: Credit reporting or other personal consumer reports

I was notified by letter from XXXX I was included in data breach XX/XX/2024. I was offered " XXXX XXXX XXXX '' membership " at no charge '' for unspecified time period. I went to website provided in letter " ExperionIDWorks.com/plus credit lock ''. This address directed me to " alprea.com '' which my computer identified at unsecure. I searched online for Experion IDWorks, which basically asked me to provide all of data XXXX advised me had been stolen, without reference to XXXX activation code providing free monitoring. If felt very suspicious as well. I reviewed online " terms and conditions '' for XXXX and only found references to a company called " ConsumerInfo.com. '' This also seemed odd. My questions are what exactly is the service provided, how long is the service provided for free, what are the alternatives available. I called XXXX first, they told me to change XXXX password, and directed me to call ExperionIDWorks XXXX. They could not answer my questions and directed me to XXXX customer care XXXX. They could not answer my questions and directed me to a number just for XXXX customers XXXX. I was on hold for XXXX minutes and disconnected. I called again, was again put on hold for XXXX minutes, exactly. I spoke to a representative. She was only able to enroll me online. She did not know anything more about how the services worked, what if any alternatives are available, or the origin of " ConsumerInfo.com '' In the course of our discussion I was again disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed dispute letters to Experian, XXXX, and XXXX  requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX i believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

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

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX  in the amount of {$1600.00}.

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in XXXX, which is 7 years ago.

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.
Product: Debt collection

I informed DCM Services that ( 1 ) The person owing the debt has XXXX and his estate is broke. I gave them the name and phone number of the Attorney handling his Estate for Probate/ informing DCM the above information in late XXXX, 2017.
( 2 ) During at least 2 phone calls DCM made to collect the debt, I informed them the estate has no money to pay these bills. I also reiterated that I had hired an Attorney to settle his Probate.
( 3 ) In XXXX, 2017, I received 5 letters attempting to collect balance due.
( 4 ) Attorney representing this Probate case has informed me that she, too, continually is receiving notices of this debt owed by the XXXX.
Product: Mortgage

Due to financial hardships, I had to file bankruptcy. Flagstar Bank was quick to close and tag it as " derogatory and closed ''. Causing detrimental harm to my credit score. I signed, filed and the Court approved the Reaffirmation letter in XX/XX/2016. At the time of this report, the account is still listed as derogatory and closed, and added a late payment to hinder the process of improving my credit. The late payment in XXXX was due to Flagstars ' refusal to accept my payment at my local branch, or online, and having to pay through a 3rd party provider for them due to the bankruptcy, costing substantial late fees and costs to process the payment. I have made several calls to XXXX, Michigan headquarters to find that XXXX XXXX isnt available, the XXXX in charge of these cases, and have NOT received a call back. First call was placed in XX/XX/2016!! I have filed XXXX disputes with XXXX to have them correct the issues, only to have it cause more harm, and still causing it to show as derogatory and closed, whereas XXXX took One dispute and is displayed and portrayed as correct. With NO derogatory comments or remarks. This is the last step per attorney advice, before filing an FCRA violation suit.
Product: Debt collection

I received a letter from " Professional Account Management '' demanding that I pay {$75.00} for a toll violation committed by someone else with a vehicle I do not own. The letter states that if I have the audacity to object to this demand, a judgment will be obtained. The purported basis for this debt is toll violations committed in Virginia on XX/XX/XXXX with a vehicle that purportedly was registered in my name. I sold the vehicle on XX/XX/XXXX and it was sold to another person and registered in Maryland on XX/XX/XXXX. Thus, there is no basis for the purported debt owed. I have tried calling the number provided on the demand letter from " PAM '' but I have never been able to reach an actual person to inform them that they are incorrect.
Product: Credit reporting or other personal consumer reports

A new collections account with OLIPHANT USA , LLC was added to your XXXX credit report. * OLIPHANT USA , LLC and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for OLIPHANT USA , LLC to prove that I made business with them. I have requested contract with my signature and OLIPHANT USA , LLC has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company.

OLIPHANT USA , LLC is a " debut buying collection '' company whom I did not authorize use of my personal information.
Product: Credit card or prepaid card

I have included the dates and response and receipts from the seller and letters from Capital One. Capital one denied my dispute for the reason of lacks all of the requested information. I sent Capital one the same documents i'm sending in this complaint. 
My documents show the original advertisement and the NEW ad the seller changed too. 
Also in the documents I'm sending today, yu will find the emails between me and the seller of the mink coat. 

feel free t contact me at XXXX or XXXX Thanks in XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Experian to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me and items still show on my report. As of today XX/XX/2020 I have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there Accounts : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ; XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Money transfer, virtual currency, or money service

Unauthorized charges to my wells fargo account sending through XXXX
Product: Credit card or prepaid card

Credit card companies are required to allow me to opt out of information sharing. ( Thanks to government reguluation for this. ) It is my preference that they do n't share my information. 

In order to opt out I must call the on the phone. All other features and services can be done on the web site. For some reason this requires a phone call. I 've made that phone call and am currently waiting on hold. They claim high call volumns. I 'm taking this time to My complaint : Capitol One is making it difficult for me to opt out of privacy sharing. 

In fact, I 've not yet been connected to a representative. For all I know, it may be impossible for me to opt-out. It has now been 5 minutes. This function can be done on the web site. That i must call and wait on hold is an intentional barrier to opting out.
Product: Checking or savings account

On XX/XX/2018, I went to deposit my check into my Bank Of America account and when I deposited the check, on my receipt it stated that there was a hold placed on my deposit and I would not be able to access it until XX/XX/2018 which is 3 days shy of two weeks and my next paycheck. I spoke to the manager of the BOA location who told me there was nothing he can do about it and that my check was gone until the XX/XX/2018 date. His explanation for the hold was that BOA has a policy that your first time depositing a check from a new place/job your check is automatically placed on hold ; a policy that is NEVER told to the consumer until event such as this takes place. I had no knowledge of this policy and now I am being forced to wait 2 whole weeks before I can access my check so they can take all of the time to " verify the check is real ''. I was told to contact customer service because they would be able to help but costumer service was no help as well as I was still told there was nothing g they can do and have to wait the 2 weeks to have access to my funds. This so called policy that BOA is very outlandish and is not in the best interest of the consumer. A person 's bills and ability to put food on their table for their family can not be placed on hold, so to deny your consumer their check for basically two weeks is not ethical and asked a disregard for the consumer. I have never had this problem with any other bank.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DEALER SVC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting

There is no score on my equifax ... .it 's shows no histroy
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # 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 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report 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

I filed a complaint against on XX/XX/20. From XXXX reply, I learned that my credit report was checked for a credit line increase that I didn't authorize. I have a freeze and fraud alert on all three credit files. This complaint also consist of XXXX, Equifax, and XXXX releasing my credit reports without consent. 

The following are issues that XXXX needs to answer that were unanswered in the first complaint and prompt additional complaints. 
-- -- - ( 1 ). Why was an unknown email placed on my account without verification? My email address has always been XXXX. 
-- -- - ( 2 ). Why was my account reported to all three credit bureau agencies as delinquent? There were no delinquencies. Through automatic payment from an account that I no longer used, three payments were returned. I replaced the drafted payments, and I was charged return check fees, not late fees. The credit bureaus do not report return checks on accounts. It reports late payments. The account was paid in a timely manner. By law, I am supposed to be given time to pay for any return check payments. 
-- This unfair credit reporting violates the Fair Credit Reporting Act and debt collection. I will file a complaint with my State 's Attorney General Office for an investigation, and I will file a federal lawsuit if necessary to resolve this matter. As a result of XXXX inaccurate reporting my account as late, my credit score was lowered to XXXX. 
-- -- - ( 3 ). Why was my credit line decreased based on other creditors? I've never paid any of my creditors late. 
-- My credit score has been negatively effected in terms of a low score of XXXX because XXXX lowered the credit line, which indicates to creditors that I used nearly 100 % of the credit lin, which is inaccurate. This is abusive credit card practice. 
-- -- - ( 4 ). In a tape recorded conversation, the representative indicated that XXXX would removed the return check fees due to my hospitalization. 
-- -- - ( 5 ). If XXXX attempted to contact me about the return payments, I would've been unable to answer the calls at my home resident. Beside my home phone number, my account provided a cell phone number. I never received any voicemail messages on my cell phone from XXXX notifying me of return payments, nor did I receive any letters. 
-- -- - ( 6 ). XXXX claimed that emails were sent to me at XXXX. This fraudulent email never belonged to me, and the name alone should've alerted XXXX of an account breach. Most importantly, I was never notified to verify a change in my email address. 
-- -- - ( 7 ). There has been security breaches with XXXX and Equifax. I question how XXXX accessed my credit report files with a freeze and a permanent fraud alert. I have not removed the freeze in over a year. 
-- If XXXX doesn't resolve my issues of concern, and my credit files doesn't report accurate information. I will be hiring an attorney to take legal measures for a resolution.
Product: Money transfer, virtual currency, or money service

XX/XX/23 through XX/XX/23 in the amount of {$500.00} thats being withheld until XXXX. This bank has held my money without letting me transfer the money into my bank that has already been verified. They have deactivated my account because they said they couldnt verify my bank. So im unable to get my money