23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX : completed form to enroll in autopay XX/XX/XXXX : submitted contact form on website to ask when autopay enrollment would be complete. 

XX/XX/XXXX : received email from Edfinancial encouraging enrollment in autopay to benefit from interest reduction. Thinking this must have meant an error in my original enrollment, I resubmitted the autopay form on this date ( estimated start date given via email confirmation was XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX : called Edfinancial to ask why autopay was not taken out this month; requested details on what would happen now that my payment was late. Edfinancial indicated takes XXXX billing periods for autopay to take effect. 

XX/XX/XXXX : received email response to XX/XX/XXXX contact, which only stated they had spoken with me since I submitted that form and to reach back out if questions remain XXXX - XXXX : statements continue to reflect not enrolled in autopay, website always shows estimated start date to be the following month. 

XX/XX/XXXX : submitted contact through website asking when autopay would be set up. 

XX/XX/XXXX : received response from Edfinancial confirming my enrollment form was submitted XXXX, and indicating it takes XXXX billing periods to be effective and my scheduled start date is XX/XX/XXXX. 

At this point, its been XXXX billing periods, and there is no indication the autopay will ever take effect.
Product: Credit reporting or other personal consumer reports

Trans union received an in the mail dispute for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These account had already been removed from other reporting agencies and Im still waiting for Transunion to update the file to reflect accurate information. Dispute was sent certified main and signed XX/XX/year>. Attached is the certificate verification for the mail they received. Trans union failed to run investigation in the correct time frame, failed to dispute accounts as mail had stated needed to happen, failed to run any investigation on file and failed to tell me the status of investigations. I received no return mail form trans union and they have not updated my file with these field removed. All of the following are FCRA regulations broken and even while the company continues to say they are meeting FCRA standards then continue to violate my personal FCRA STANDARDS over and over and over again. Due to extreme negligence THESE FILES SHOULD BE REMOVED IMMEDIATELY. Both due to the multiple failures for the past 13 months and the fact that they never ran disputes after receiving information
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  and consumer reporting agencies, I hope this message finds you well. I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXX Account # XXXX my SSN is XXXX I also have another XXXX XXXX credit card account # XXXX. 

Upon reviewing the copies of my dispute submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. I only accidentally disputed the inquiry ( which was accidental. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Product: Debt collection

I have asked them for a signed contract that was signed by me they just send a copy of old bills I have never had XXXX and only have had att think someone opened it in my name but they will not send a signed contract if they do not have a signed contract they need to remove they have over XXXX of complaints online from being a third party debt collector and all the fans answers was removed from XXXX XXXX times now and they keep putting it back on shady company
Product: Debt collection

It has come to my attention that Enhanced Recovery Company recovered a payment for a debt that I never owed.Enhanced Recovery Company reported a collection account to my consumer credit file on XXXXand XXXX. I have learned that I do not owe this alleged debt. If Enhanced Recovery Company had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company collected. Enhanced Recovery had no legal right to attempt to collect a debt as I never authroizedan account with XXXX. Enhanced Recovery never validated this debt nor sent me a notice of collection. I have learned that Enhanced Recovery is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported to my consumer credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : Equifax is reporting to Fico that I have a recent missed payment when i dont. 

Background : i filed a dispute on my credit report with Equifax several months ago. Equifax investigated and as a result of their investigation, that disputed account was updated. The problem then started. The updated date on the disputed file made it appear as though it was recent even though it was XXXX years old. I have made multiple subsequent disputes with Equifax and they have not fixed it. I spoke with them over the phone and even said they could see that the file was old and no recent missed payment was on my file, but it was still reporting to Fico that it's recent. They even advised me to speak with Fico directly. I spoke with Fico today and they said they can see the " recent missed payment '' affecting my score negatively but coukd not find any recent missed payment. They directed me back to Equifax. This is why I am here. Both Fico and Equifax have verbally told me there is something wrong but neither can fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX . report from LexisNexis is reporting an accident that i was not held responsible for it. i did sue cause i was hurt cause a driver ran a red light now i applied to be an XXXX XXXX and they have denied me.
Product: Debt collection

They have contacted every family member, my ex-husbands family, my mothers boss, my mothers landlord and told all of them they are the XXXX County with a warrant out for my arrest. Problem is when I have contacted them and provided my updated info, its just a creditor Ally who is attempting to take me to court for a repo from 5 years ago. They already took me to court and lost, so they are getting even dirtier with their tactics now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX contacted you in XX/XX/2020 to withdraw information from your reporting agency. You did not reframe from reporting incorrect information. Please make corrections immediately. 
Thank you
Product: Checking or savings account

Original account was under XXXX XXXX and was taken over by another bank, First Citizens bank in XX/XX/XXXX. Owner of account, elder man, suffered from personal problems and was not able to setup login to be able to receive statements after transition. His accountant/representative was asked to reconcile the bank for year end XXXX and had to get access to the online banking. Rep found ACH debits every month, {$1600.00}, since XX/XX/XXXX. The accountant called the bank, XX/XX/XXXX to notify that the transactions are not legitmate. Client was asked to contact the vendor but vendor is a property management company who can not help. Rep called bank again and was instructed to go to branch for assiatance, and was told by brance to file claim and that bank will be able to recoup money from XXXX through XXXX total {$6600.00}. The previous {$3400.00} can not be reversed. File was submitted on XX/XX/XXXX. On XX/XX/XXXX letter received from ACH Dept saying investigation was done and no money can be recouped as the 60 days had passed and there was no discrepancy found. Called bank again on XX/XX/XXXX talked to supervisor to refute the " no discrepancy statement by bank ''. Docs sent by bank that shows name of person that originated the ACH, is not any way related to the account holder, not a signor or authorized user. There was nothing to relate the transaction to the accoutn holder. The only debit that comes out of the account are checks that are written and signed by accoutn holder. No atm transaction are ever made. There was no notice of any ACH authorization request received from the bank before the amount was taken out, to notify the account holder that there is a questionable transaction that was made. Bank claims that account holder should have reported the fraud within a certain amount of time. We feel that they, as a banking institution and member of NACHA should protect their clients as per NACHA rules and requirements. They should have gone through strict due diligence as to their ACH transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.
Product: Mortgage

I AM REQUESTING ALLL DOCUMENTATION FROM McCullough Payne and Haan, LLC XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL
Product: Debt collection

I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.
Product: Debt collection

Respected Officials, I owe debt on my credit cards and had signed up for financial relief. However, due to financial situation and legal problems I am facing XXXX and XXXX, I am unable to make a minimum payment due. So I signed up for debt managment plan and they communicated with me that they are negotiating with credit card companies. Bank of America has sent an email with increased balance after proposal was sent. I request them to consider my debt management proposal and give some more time to start making payments according to the proposed plan. Thanks XXXX XXXX
Product: Debt collection

I defaulted on my payday loan with XXXX. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency APG about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and fraudulently opened credit card accounts and other accounts in my name and ran up a bill. I am a victim of identity theft and This is my official statement about this matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. ( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. <P/>Equifax continues to list the dismissed bankruptcy on my credit file. Equifax 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting or other personal consumer reports

IVE CONTACTED EXPERIAN THAT I NOTICED INACCURATE ACCOUNTS REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company calls me repeatedly at home and at work, and has contacted family and friends about a debt they refuse to validate. When they call, they refuse to give names, or to even tell me the full name of their company. They send me threatening text messages.I have asked them to stop contacting me by phone several times.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : Wired {$4000.00} to Coinbase , Inc . 
XX/XX/XXXX-XX/XX/XXXX : Communication with XXXX XXXX. They confirmed wire transfer clearing. 
XX/XX/XXXX: Opened Ticket on Coinbase 's system.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint # 2 Experian responded to this complaint stating that " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' As a consumer reaching out through the CFPB, I am appalled that this avenue was taken by Experian. I provided copies of my letters sent certified mail using online certified mail services due to the pandemic ; dispute results ; signature confirmation from Experian, and they did not address anything and closed the complaint out. Now, I am resubmitting this complaint with additional documentation. 

On XX/XX/2020, a certified letter was sent to Experian disputing the XXXX tradeline listed on my Experian file. The letter was signed for on XX/XX/2020. Documents regarding this tradeline were also uploaded at https : //www.experian.com/consumer/upload/ no response received from Experian. The furnisher has no documentation for this debt and therefore, can not be verified or validated by Experian. On XX/XX/2020, Experian sent me dispute results Report number XXXX, regarding this XXXX  tradeline and the result is showing as " pending ''. This happened last year as well when I tried to work with Experian regarding this tradeline. Previously, this tradeline has no balance, account number or dates reported. Also, was not reported an in dispute. Experian has ignored the accuracy component of the FCRA Section 623 ( a ) ( 1 ) ( A ) for the missing data ; FCRA 623 ( b ) ( 2 ) and the 30 day provision of the FCRA 611 ( a ) ( 1 ). No answers are provided to me by Experian in regards to this dispute and am simply given a one line response, despite the evidence provided to Experian for the inaccuracy of their reporting. Therefore, Experian is in Non-Compliance of the FCRA 616, 617, 621 for the reporting of this tradeline and must remove this tradeline per the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 

XX/XX/2020, another dispute result received from Experian Report number XXXX, with the XXXX tradeline still " pending. '' This is the third pending dispute results received from Experian. Based on the FCRA, this XXXX  tradeline must be removed accordingly.
Product: Debt collection

I received a collection notice from Conserve stating I owe them {$1800.00}. Before calling them I called the XXXX loan company and they said the debt was sold to Conserve and that they ( student loan co ) could not help me any further. The reason for my call is that on XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I had a remaining balance of {$310.00}. This letter will be attached in my complaint. That is the only debt I know of owed to the XXXX loan company. 

On XX/XX/2018, I received a collection notice from Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. This was a " notice '' collection letter giving me 30 days to dispute the debt or pay it before it hits my report. The letter stated that I owe the collection company {$1800.00}. This letter is also attached to this complaint. I spoke to someone who called himself, XXXX, but would not give me his last name and only that he was a XXXX. 

I told XXXX XXXX was confused about this collection notice. That I had a letter from the student loan company, in XX/XX/2018, stating I only owe {$310.00} and I have not received notices stating I owe any more then that. I requested, over the phone to XXXX, that he send me a statement or something verifying the amount owed as I am not willing to pay someone {$1800.00} if I only owe {$310.00}. XXXX then stated ( I hope his calls are recorded ) that he did not have to verify the debt that people who call here know they owe it and simply make payment to them. I told XXXX that I need the actual facts before I make a payment to you or anyone else. He stated he did not have to provide any information to me. I then told XXXX that I am officially disputing this account and that until this is resolved I don't wont it reported to my credit report. He said nope, On XX/XX/XXXX if you have not made payment we will report it to the bureaus. I told him how can I pay {$1800.00} when I believe I only owe {$310.00}. I need to see what the difference is before I make a payment. Also, your letter states that I can dispute this debt. He basically said he doesn't have to provide any information, that I should know I owe it, and that it will report to the bureaus regardless of my complaints and official dispute on XX/XX/XXXX.
Product: Mortgage

We are a veteran family trying to purchase our 2nd home. Weve been working with a mortgage officer named XXXX XXXX at American security mortgage in XXXX NC. He pre approved us back in XX/XX/2020. We went under contract on a home that was contingent upon the sell of our first home. We listed and sold our house. The purchase of the 2nd home fell through due to the sellers. We found a 2nd home, put in an offer and XXXX came back and stated due to covid he couldnt get us financed on that home. This had nothing to do with anything other than the type of home and covid according to our realtor and the lender. So we started looking again. We went under contract again in XX/XX/2020 with a set closing date of XX/XX/2020. On XX/XX/XXXX we were informed only because I asked what time our closing would be that we in fact would not be closing on time. We have been told a different story as to why we couldnt close every single day since the XXXX. I have contacted our mortgage officer daily since the XXXX of XXXX a minimum of 5 times a day, left messages and sent text. My husband has also asked him to please call me, where he replies I will, give me just a few. Every time he physically speaks with my husband and is asked to give me a call back he states he will. Until today, today he informs my husband that he can not legally talk to me. We are a married couple buying a house together where I am on all the paper work and have a power of attorney. I have differing questions from my husband and would like answers. XXXX XXXX is very unprofessional, not respectful of others times and disrespectful. We have been treated very poorly, had terrible communication, lack of empathy, and all around a horrible experience. I wouldnt wish this experience on anyone. At this point we are over a week late on closing and there isnt a solid reason as to why. Every day we are told something different with nothing to back it up. I have reached out to higher management in this company with zero response.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please urgently address the removal of the unauthorized inquiries from my credit report, as they are causing me significant distress and were not initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DISCOVERBANK account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

( DISCOVERBANK XXXX )