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

Contacted equifax in XX/XX/XXXX regarding not able to access My Equifax account. After multiple attempts to talk to a human, I was told to mail proof of identity which I did in XX/XX/XXXX. After hearing nothing for 4 months I filed a complaint with CFPB. Here is the problem : I go to log into my equifax and it tells me to call an 888 number. after 8 minutes of prompts, then the computer states it will verify my identity by asking questions from my equifax report ( which I just received a copy of due to previous complaint ) and the  questions asked have no correlation to me or my equifax report. A recording comes on and states I need to send my proof of identity in to equifax, which I did on XX/XX/XXXX and still haven't been contacted except for the response to prior complaint, which did not address the original complaint. Can my login be reset so I can access my equifax account?
Product: Credit card

A situation has occurred that I believe disserves attention by your bureau. 
We are in the process of purchasing a home. We have paid off all of our credit cards, a car purchased for people from XXXX and XXXX of the houses. Our loan officer has asked us to obtain letters from each of the credit cards and banks showing that we have a zero balance. 
Everyone has been very helpful except for Dillard 's XXXX Credit Card. I called this morning, requesting a letter so we can close on XXXX XXXX, 2015. My husband is having XXXX on XXXX XXXX 2015 and will not be able to lift anything for several days. We want to move a trundle bed, table and chairs, and assorted items into the house so we can go and work on the house. 
We have been married 12 years, dated for XXXX and this will be the first time we will be able to live together. We are very excited to have this happen. 
Dillard 's will only mail out the letter, I need it this week. Everyone else was able to fax or email their letters within a day or two. Dillard 's employee " XXXX '' was so rude, he just kept upsetting me more and not helpful. I asked for upper management and he put me on hold for several minutes, came back to tell me that no one was available and made me so angry with his repeating to me over and over the same information. I finally had to hang up. 
So, I went to Customer Service at Dillard 's in the XXXX XXXX XXXX in XXXX, Colorado. Asked to speak with the store manager and was told she was at lunch. They took my information and said she would call someone when she returned and then call me. I have not heard from her and it 's been two and ahalf hours. 
I have a Dillard 's XXXX card. So, while waiting I called XXXX XXXX to see if they could help. We spend several XXXX dollars with XXXX XXXX each month. We are impressed with their servcies, they are wonderful when you have an issue on a purchase. They inform me that they do n't have anything to do with Dillard 's XXXX, I think that is false advertising. Why put XXXX XXXX on the card if you ca n't access your account and then the payments are handled through Wells Fargo Bank. What a fiasco! 
I should be able to have my credit information available immediately from Dillard 's. Having to wait ten days for the letter that I have zero balance, considering the day and age we live is absurd. They are going to cause us time and money, we will have to pay for someone to help move these items, We are in our sixties and I can not lift the beds by myself. 
Whatever happened to people helping others, why ca n't this company be like everyone else and email or fax this letter to me or my loan officer? 
I really doubt that XXXX '' even sent in the request for the letter, I have no faith in anyone at Dillard 's.
Product: Student loan

In XX/XX/2014 I had a company call me repeatedly to consolidate my loans. I was told that it would be in my best interest and that all loans would then be placed in an IBR repayment plan. After I consolidated and my loans they became serviced or managed through XXXX. XXXX placed me in the IBR program and I also enrolled in the ten year Public Service Forgiveness Program. A year or so went by with my payments manageable in the IBR program when XXXX contacted me and said that I could no longer be in the IBR program because my consolidation included a small Parent Plus loan. I have learned that XXXX did not catch the Parent Plus loan early and that they should have, but failed to see it. Each company that I worked with while consolidating had visual access to the list of loans that I have, but failed to be thorough and that inability or fault has caused me years of financial problems. I have {$170000.00} worth of students loans and much of this is due to interest that keeps growing. XXXX told me last week that I was scammed by a company that got paid for my consolidation in XX/XX/2014, and that this company did not follow the Federal guidelines that would help me repay my loans. I can not pay XXXX  {$500.00} per month and the repayment of my loans are at a standstill, in a three month deferment only, with no answers of how to resolve this problem that I did not cause. XXXX never told me about the reality of a scam until recently. I do believe that they have known for years of this scam, but instead have pressured me repeatedly to just comply and make the payments. The last person at XXXX that I spoke with was professional, but many have actually yelled at me and belittled me for complaint and asking questions. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Consumer Credit sourcebook of the Financial Conduct Authority ( FCA ) which states one of the following rules Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm ( and not the customer ) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement. 7.14.4.. I  demand that the following account be verified or removed immediately : XXXX XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX   XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I have noticed that my personal data has been compromised and these companies listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received or requested any services from these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

It seems every other month there is issues with all XXXX credit agencies. My score now has dropped in just the past year. XXXX points. The way I found out is a chapter XXXX I filed in XXXX and XXXX XXXX XXXX XXXX was part of the chapter XXXX I filed back then. The case ended in XXXX XXXX, XXXX and the XXXX were reporting I had a balance. So I sent them all the report from the court that it was paid and closed to take it off. Now just in the past year I found ( XXXX ) HARD Inquires which I never applied for anything.. ( XXXX ) - from XXXX XXXX XXXX ( XXXX ) - from XXXX, XXXX XXXX ) -from XXXX XXXX and XXXX card, XXXX XXXX XXXX XXXX XXXX NCS, Factual data/XXXX. I contacted them all and they say they ca n't take them off with out a letter from each Inquire. I do n't know what to do it ruined my credit I am working hard to restore. I am sure it is Fraud!! What can I do to get this taken off all my reports.XXXX points went down in 1 year.. Please I hope you can help do n't know what else to do. Like I said I tried contacting all XXXX agencies and put a fraud alert on my reports for 5 years ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to dispute credit collection claims filed with Experian Prepared For XXXX XXXX, Report Number : XXXX. 

Experian.com/upload have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager. 

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX XXXX complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with Esperian as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.
Product: Debt collection

See the attached Notice of Claim of Rescission addressed and directed to Wells Fargo Dealer Services.
Product: Payday loan, title loan, or personal loan

The company repeatedly fails to apply payments to my account ; in the attachments are some of the payments I made which they failed to apply to my loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several previous request in 3 credit bureaus, the particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Kindly remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 XXXX XXXX responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. XXXX XXXX failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can XXXX XXXX complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. XXXX XXXX failed to provide a Method of verification.
Product: Checking or savings account

-Knowingly complying with fraud -Data breaches -Not having live representatives to assist in disputes/ defrauding people with fake reps and more
Product: Credit card

XX/XX/year> I notified XXXX XXXX of my intent to cancel service. Per XXXX XXXX customer service rep my intent was acknowledged and my credit card information was to be erased from the XXXX XXXX auto draft system. 

XX/XX/year> I purchased a sim with Visible XXXX, to initiate service ; effective XX/XX/year>, so, no lapse in service. I used the exact same device that was registered on the XXXX network and I carried the device over to XXXX  XXXX using the sim replacement. 

My Capital One credit Card was charged in the amount of {$XXXX} for XX/XX/year>. My service was not active with XXXX XXXX. I had already activated my service with XXXX  XXXX and paid my monthly charge. 

I've contested the validity of XXXX XXXX charge with Capital One Dispute dept on seperate occassions. The disputes have both come back in favor of XXXX XXXX. I've provided the purchase charge from Visible XXXX ( XXXX & XXXX XXXX initiating service ) and effective date of service. XXXX XXXX has no activity from me for the month of XX/XX/year> to present date. Their recorded line of the conversation between myself and XXXX XXXX customer service rep on the date of XX/XX/year> will confirm my cancellation and the reps acknowledgement of removing my payment method from XXXX XXXX ' database.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a loan in XX/XX/XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.
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 Complaint Against Experian for Reporting Inaccurate Information Dear Sir/Madam, I am writing to formally file a complaint against Experian regarding inaccurate reporting of information related to my XXXX XXXX XXXX XXXX I noticed today XX/XX/scrub>XXXX that I was deducted XXXX points. I should have not been deducted points.This inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXX XXXX XXXX  closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by Experian. I have Enclosed my recent credit card statement and screenshots demonstrating that Experian has deducted XXXX points from my XXXX XXXX. 

These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that Experian corrects these errors in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : XXXX XXXX - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {$1000.00}. I moved from XXXX, XXXX to XXXX XXXX, XXXX  in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX  deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXXPhoenix Financial Servic XXXX XXXX XXXX of XXXX - **opened on XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 1 account open with XXXX. I have a XXXX XXXX XXXX that i opened sometime in XX/XX/2020. When delving into my credit report, I noticed Experian said i had 2 accounts open which then made me inquire why that was. I called XXXX and they noted I only had 1 account with them therefore the error came from Experian hence the complaint. Below, I've attached proof that the other credit bureaus note that i only have 1 account, while Experian says i have 2. This drops my score significantly in contrast to the other scores from the other bureaus because of the utilization that i try and keep between XXXX % before my next statement date. My utilization for Experian is XXXX % because they say I have 2 accounts when I only have 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to inaccurately report two charged off accounts on my credit file. The two accounts in question are XXXX/XXXX and XXXX  XXXX/XXXX. Both accounts have been paid/settled in full and the credit bureau continues to report the accounts have not been paid. I have disputed both accounts on multiple occasions. Every time I dispute these accounts the credit bureau states they completed an investigation, but the accounts continue to report inaccurate information. Each time they " update '' something from the disputes ; something more inaccurate than what was previously reporting appears. Per the FCRA this should have been corrected within 30 days of the first dispute, but this is not the case. Please see the disputed dates below : XXXX/XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX With the last dispute, I provided letters from the collection companies that show the accounts have been settled in full ( see attached ). However, neither accounts ' payment status reflects this. Both accounts appear as though they are charged off and make no mention of the account balances being paid. 

The inaccurate reporting of these accounts is causing me great financial harm. I am unable to attain credit with a reasonable interest rate. In addition, this is preventing me from being able to take out a parent loan for my son to attend college in the fall and it is contributing to the prevention of me being able to get approved for a home loan. 

Something needs to be done to hold the bureaus accountable when they continuously report misinformation despite multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT : EQUIFAX WILLFUL NON-COMPLIANCE AND CONTRADICTORY RESPONSES Date : XX/XX/year> Prior Complaint Reference ( s ) : # XXXX URGENT ESCALATION - PATTERN OF WILLFUL NON-COMPLIANCE I. CONTRADICTORY RESPONSES FROM EQUIFAX On XX/XX/year>, Equifax issued three directly contradictory responses : 1. Letter One : Claims dispute is " frivolous '' 2. Letter Two : Claims unable to locate credit file 3. Letter Three : Refuses to block information These contradictory responses demonstrate : Bad faith handling of identity theft claims Willful non-compliance with FCRA Pattern of evasive behavior Automated form letter responses without investigation II. CRITICAL FAILURES BY EQUIFAX 1. Failure to Acknowledge Data Breach Impact o Equifax previously notified me my data was compromised o Direct connection between breach and identity theft o Refusing to acknowledge their role in exposure 2. Failure to Process FTC Identity Theft Reports o Multiple reports filed : # XXXX, # XXXX, # XXXX, # XXXX o Reports meet all FCRA requirements o No acknowledgment or processing of reports 3. Violation of FCRA Requirements o 605B blocking requirements ignored o 611 investigation requirements violated o Multiple statutory deadlines missed III. LEGAL VIOLATIONS 1. FCRA 605B Violations o Failed to block within 4 business days o No valid reason provided for non-blocking o Ignored identity theft documentation 2. FCRA 611 Violations o False claim of " frivolous '' dispute o No proper investigation conducted o Contradictory responses issued 3. Consumer Protection Violations o Deceptive practices o False statements o Pattern of evasion IV. TIMELINE OF NON-COMPLIANCE 1. Failure to Acknowledge Data Breach Impact o Equifax previously notified me my data was compromised o Direct connection between breach and identity theft o Refusing to acknowledge their role in exposure 4. Failure to Process FTC Identity Theft Reports o Multiple reports filed : # XXXX, # XXXX, # XXXX, # XXXX o Reports meet all FCRA requirements o No acknowledgment or processing of reports 5. Violation of FCRA Requirements o 605B blocking requirements ignored o 611 investigation requirements violated Multiple statutory deadlines missed V. REQUESTED CFPB ACTION 1. Immediate Investigation o Review contradictory responses o Examine pattern of non-compliance o Assess data breach connection 2. Enforcement Action o Maximum statutory penalties o Mandatory compliance orders o Supervision of response procedures 3. Consumer Protection o Immediate blocking of disputed items o Correction of credit file o Damages assessment I authorize the CFPB to take all necessary enforcement action regarding this complaint.