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

I have reached out to XXXX, XXXX and Transunion regarding accounts that should not be on my credit report that have been reported as identity theft. The accounts have not been removed and the company has not provided documents to validate that these accounts do belong to me after requesting.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, XXXX  and Experian, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
Product: Debt collection

Repeatedly continues to try and collect a debt that is not mine. The debt is owed by a person with a similar name. Mercantile Adjustment Has published negative remarks on my credit report, which were removed. I have contacted Mercantile Adjustment many times to resolve the issue and they continue to attempt to collect.
Product: Money transfer, virtual currency, or money service

I have been contacting a guy on XXXX about car parts, he never had anything I needed in the past so we never did any business. I check in with him last week to see if he had wheels I wanted ( I bought a XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, will send you pictures ), he stated yes. I asked if he would take {$800.00} shipped, he agreed to this. Later he asked about a digital dash, we agreed to {$200.00}. I sent {$1000.00} on the Chase bank website through XXXX. My package was to be here on Saturday. On Saturday I received a text from XXXX XXXX Shipping Logistics ( Now I know this company is fake ) requesting that I pay an additional {$850.00} to insure my package, this money would be fully refunded upon delivery. I told them no and contacted the seller, he said this was all legit and to make the payment. I told him I would absolutely not be paying another dime, I agreed to {$1000.00} shipped. Since then the seller has refused to refund me, he states that its all legal and I need to pay to clear my package. I contacted Chase bank and was flat out told no, they would not reverse the payment.. I pulled up XXXX XXXX XXXX XXXX XXXX XXXX  and noticed it was created and managed from XXXX, XXXX after the fact. Secondly, a couple other people commented on this page about the exact scam re the shipping company which I discovered after as well. 

Any help would be greatly appreciated, Thanks!!! 

XXXX Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX XXXX Chase XXXX XXXX  XXXX XXXX : {$800.00} XXXX : {$200.00} XXXX XXXX XXXX XXXX Tracking # : XXXX XXXX XXXX XXXX? XXXX % XXXX % 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: Payday loan

Collector keeps contacting job for an employee debit after we repeatedly requested for them to stop.
Product: Credit reporting or other personal consumer reports

There seems to be information mixed on mine that keeps appearing on my credit report. 
This account is not mine, this is really troubling and it's causing me undue stress and anxiety.
Product: Credit reporting or other personal consumer reports

Account Ending in XXXX : This account reflects no reporting data since XX/XX/XXXX and none before XX/XX/XXXX, yet the account is listed as opened since XX/XX/XXXX. 
Additionally, you state the last payment was made on XX/XX/XXXX, but these payments are not reflected on my credit report. This lack of accuracy is unacceptable and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Account Ending in XXXX : This account contains multiple blank columns in my credit report, and none of my payments are reflected. 
You have listed the account as opened in XX/XX/XXXX, with the last payment on XX/XX/XXXX, yet there is no payment history to support this. Again, this is inaccurate reporting and violates my rights under the FCRA. 
Account Ending in XXXX : This account has no reporting information at all. 
It is listed as opened in XX/XX/XXXX, with the last payment in XX/XX/XXXX. However, this account remains on my credit report despite exceeding the maximum reporting period under XXXX state law. 
Texas law specifies that debts ( other than bankruptcies ) may only remain on credit reports for XXXX years, not XXXX years as indicated in your previous communication. This account should have been removed in compliance with the law.
Product: Credit card or prepaid card

On XX/XX/2021 received a credit card from TD bank .I did not request this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to the original account holder back in XXXX and they advised that me that I didn't posses the correct information to verify the account. They then advised that they had closed the account due to fraud. I was then referred to NCB Management services in XXXX and the gentleman I spoke with advised me that he would come to my home and get the money owed personally. I then advised him not to contact me anymore and that I would report him to my local police department if the harassment continues. From there I filed a complaint with the FTC to have the account removed from my credit file. Now they are starting to contact and report to my file once again.
Product: Debt collection

On  XXXX   XXXX  ,2017 I was  offered a settlement to pay off a collection in the amount  XXXX  and they would remove this from collection and report it as paid in full. It 's now  XXXX   XXXX  ,2017 so  I contacted the credit bureaus and I was told that the company was still reporting it as a collection. I spoke with  XXXX   XXXX  extension #  XXXX  where she blatantly lied to me telling me they have reported to the bureaus on several time s  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  of 2017 as  being paid in full.Once speaking to the bureaus I was told this was incorrect and they are still reporting as unpaid. I called back to speak with the company and was told that since I agreed to a settlement that it 's never gon na say paid after they offered me the settlement stating that it would be updated as paid in full. They are giving out false information and once I called back with these allegations they were very rude and unprofessional
Product: Mortgage

I submitted an application for a loan modification in XX/XX/XXXX. I was rejected without cause on XX/XX/XXXX. I file a complaint with CFPB and was just informed today XX/XX/XXXX, that Wells Fargo had completed their investigation. Which showed no fought. I informed the representative that Wells Fargo had begun and set a foreclosure sale date of XX/XX/XXXX without following the legal foreclosure guidelines set forth by the State of North Carolina, which states that a leader must give : 45 day written notice before starting a foreclosure 30 Day Notice of Default Notice of Hearing Notice of Sale The only reason I found out that my house was scheduled for sale was when a person drove by an inquired about my house. Then I called Wells Fargo and heard the recorded message that my house was up for sale. 

These are the type of unethical practices that the leader has been performing. 

Please help.
Product: Debt collection

I have contacted Harvest Associate Inc. on XX/XX/XXXX through certified mail to validate a debt that is reported in the total amount of XXXX. I gave them 30 days to respond and I received a response on XX/XX/XXXX certified mail with insufficient documentation to validate the debt and they also continued to report the debt to all 3 credit bureaus causing defamation to my character. This is a violation of my consumer rights. So on XX/XX/XXXX I sent them a failure to validate debt letter through certified mail and gave them 15 days to respond with more clear picture of what documentation was requested and I received a responded on XX/XX/XXXX with none of the information that was asked for and it was a repeat letter of the first.
Product: Credit reporting

It has been 7 years since I voluntarily requested that that Chapter XXXX be withdrawn. The bankruptcy was dismissed by my request and vacated. I found a way to pay creditors and avoid the need for restructuring. The public record for said action has fallen off of my credit reports for XXXX and XXXX. But Equifax states that their policy is 10 years. Why does Equifax get to be the exception? It seems totally unfair that this one agency is the exception for an action that I voluntarily withdrew and was affirmed vacated by the bankruptcy court over 7 years ago. It seems as though the reporting agencies are never about helping consumers but are in league with lending and business interests to extract as much hard earned money out of them as possible. Disputing with Equifax simply earns you a form letter stating that it is their policy.
Product: Credit reporting or other personal consumer reports

i submitted notarized documentation of what personal information should be on my report by certified mail with return receipt signed by XXXX XXXX on XXXX XXXX, it has been thirty two days and no response from them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, XXXX, Transunion and XXXX XXXX for inaccurately reporting an account from XXXX XXXX on my consumer credit report. This account contains multiple FCRA violations and I am requesting removal of this account from my credit report and investigation into their reporting practices. This account is in violation of FCRA 609 ( a ) ( 1 ) - Failure to provide verification, FCRA 623 ( a ) ( 1 ) Reporting inaccurate information, FCRA 623 ( a ) ( 3 ) Failure to correct inaccurate information, FDCPA 809 ( a ) debt validation notice requirement, FDCPA 807 ( 8 ) Prohibition of false credit reporting, FDCPA 808 ( 1 ) Unauthorized fees or charges. I have disputed this account several times only for it to be removed then added back to my account with different reporting dates, open dates and balance amounts.
Product: Student loan

I have had a federal student loan and is being serviced by Nelnet. The loan was discharged through debt relief. I received a notification on XX/XX/23 from credit agency XXXX, stating there is an update on my report. I review my credit report and noticed the student loan was closed however there is a negative rating stating loan is 90 days late which my score to decrease and a negative rating in XXXX score. I contacted Nelnet and the rep state they are in the process of updating the information and that was all they can do. I stated that they have ruined my score and they did not help me at all. On XX/XX/23 I received another alert from XXXX credit agency, stating there is an alert on my credit report and when I reviewed the report, it stated there is a 90 day late rating and my score dropped XXXX points as of this incorrect information. I contacted Nelnet and spoke with the supervisor and all she did was make excuses and try to deflect the situation in another direction, asking me to call the reporting agencies and file all sorts of disputes. The supervisor was not helpful and i was very upset and began to argue, she then disconnected the phone call. This is in violation of the fair credit act the Nelnet is liable up to {$1000.00} for every violation. They had damaged my credit report and ruined my credit score. I am in the middle of obtaining a home loan and dealing with financial concerns which require me to have a high credit score and due to this error by Nelnet, I will have big monetary loses due to Nelnet 's fraudulent activity. Nelnet is a fraud servicing company and has been performing this type of actions with my other friends as well. I need to have this corrected immediately. 

Thank you, XXXX XXXX. 
XXXX Nelnet XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX accounts reinserted by XXXX XXXX federal XXXX was deleted in XXXX and then reinserted without a 5 day notice in XXXX. Removed again on XX/XX/XXXX, XXXX as you see in documents. 

XXXXXXXX XXXX XXXXXXXX was deleted in XXXX and then reinserted without 5 day notice i XXXX XXXX. Removed again on XX/XX/XXXX as you see in documents. 

Reinserted for a XXXX time without 5 day reinsertion notice XX/XX/XXXX. 

I wrote XXXX funding a letter asking for proof of debt and showing it had been deleted prior. no reply for XXXX weeks
Product: Credit reporting or other personal consumer reports

I have diligently disputed inaccurate information reported by TransUnion, XXXX, and XXXX on my credit report. Despite providing detailed accounts and outlining the violations against my consumer report, these credit bureaus have neglected to respond within the mandated XXXX timeframe. Attached are copies of all letters sent, evidencing my efforts to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several disputes to Experian regarding the inaccurate reporting of a bankruptcy to no avail. Experian states it receives it's public record information from XXXX XXXX XXXX however Experian 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX XXXX Report has " No Records Found '' listed in my Bankruptcy   portion of my report. Please refer to page 11 of my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my Employment Information to be changed. 

XXXX XXXX is my business and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my business or my employer.
Product: Checking or savings account

On XX/XX/20, my bank statement indicated that there was a withdrawal of {$10000.00} from my savings account at Key Bank XXXX XXXX, NY by unknown person. This was not authorized by me or my joint account holder. Affidavit was submitted per bank 's instruction on XX/XX/20 stating that this was an unauthorized, fraudulent, and illegal withdrawal committed by unknown person. Police report was filed on XX/XX/20. To this date no funds have been returned to me and no indication of when I will receive my funds back. This is an outrageously long time for me to wait for my money to be returned. I am the victim of a crime and wish for a full investigation and resolution.
Product: Debt collection

This is a medical debt of an ongoing personal injury and contact XXXX XXXX XXXX.
Product: Vehicle loan or lease

RE : Credit Discrimination and Adverse Action To whom it may concern : I, the consumer and natural person, was denied credit by Mercedes Benz Financial Services when I applied for a new line of credit for a vehicle loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Mercedes Benz due to the response I received. Mercedes Benz is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Mercedes Benz. Mercedes Benz used inaccurate information to reference my credit profile. Not quite sure if this was done purposefully to make sure that I was denied an extension of my credit. If Mercedes Benz fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Mercedes Benz criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). Thank you, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Debt collection

XXXX has stated that I XXXX XXXX a natural person owes an alleged debt. 
Cascade Capital stated this as well. I've asked this Corporation to provide me with XXXX proof of alleged debt by requesting the XXXX XXXX, XXXX, and the wet ink signature between myself and XXXX CONSUMERS. XXXX provided a voided contract along with the payment receipt and a response stating that CASCADE CAPITAL IS NOW THE ORIGINAL CREDITOR OF alleged debt. How can this CORPERATION be the ORIGINAL creditor when in fact I am the Original CREDITOR. CASCADE CAPITAL IS ALSO trying to collect US currencies on a zeroed-out debt that has been paid in full due to sending a XXXX to the IRS. Both CORPERATIONS are in VIOLATION of 15 USC 1692b ( 2 ) due to not ever doing business in neither area ( XXXX ) They are in violation of 15 USC 1692k ( a ) due to me struggling and not being able to purchase a vehicle or a home due to reporting alleged debt on my CONSUMER Report. 
CASCADE CAPITAL has yet to provide me proof that they are original creditor. Cascade stated they would send Validation in the mail. I still have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, received two debit cards in the mail on XX/XX/XXXX. The debit cards were from XXXX XXXX and Illinois Unemployment. I found this suspicious so I took them to the police. They recommended that I check my credit reports. When I checked them my TransUnion report showed twenty-five loans from a company called XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. All loans were closed except four open accounts. The XXXX   report did not show any of these loans. The total amount in loans outstanding is {$290000.00}. I had not heard of this company nor did I do business with them. When I tried to call, XXXX XXXX XXXX XXXX, the phone number is not good. I tried finding them on the web and they do not exist to my knowledge. My bank, XXXX XXXX XXXX XXXX XXXX, pulled a credit report on XX/XX/XXXX and none of these loans appeared. I have filed a dispute with TransUnion and filed a claim with IdentyTheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were INNACCURATE I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Student loan

I took out a student loan for {$27000.00} from SallieMae bank in XXXX After COVID in XXXX I had dropped out and never graduated. Around XXXX I started making payments on this loan for {$360.00} a month. I had noticed that interest was being charged 3-4 times each month for different large amounts. All together most of the time theyd add up to more than what I was paying. My payment went up to $ XXXX  monthly without warning. Recently my Father and I lost our home after my grandma passed away from XXXX. I used to worked full time and just lost my job. We are trying to just survive and pay for food gas necessities. I attempted to contact Salliemae via their chat system on their app. I was connected to an agent who stated all they could do was stop payments for only 3 months and interest would continue to add up. I refused hoping there would be a better option. She stated there was nothing and the conversation was disconnected. I was unable to make the payment that month and was harassed with multiple calls texts and emails not only to myself but my co-signer ( mother ). I tried to contact them again through chat and they said because i failed to make my payment I am ineligible for any aid and i need to make my payment now. I called the help number and the women i spoke to was very understanding and asked for a financial statement. She stated they would need a financial statement from my co-signer as well. ( I was on my break at work when I had called/ my mother is currently unemployed and always looking for work ) She was unable to pick up the phone and the agent asked me to have my mother call back as soon as possible to submit her financial statement. My mother called the same number MULTIPLE times on Multiple dates at multiple times coinciding with their posted business hours. Yet every time shed call shed received an automated answering system asking to please call back during business hours. They continued to send me emails with the business hours on them to call and we would and NOTHING. I tried myself on a Saturday as it was the only day i was free and I received the automated system as well. Recently before I lost my job they started calling me at strange times when I was at work like XXXX XXXX times you wouldnt be on lunch. I havent received any calls since ive lost my job. I attempted to email their customer service email with my loan information and my issue 2 weeks ago and have yet to receive any response in regards to my email.