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

I am writing to formally file a complaint against Equifax concerning inaccuracies found within my credit report. On XX/XX/XXXX, I initiated contact with Equifax to address and rectify the erroneous information in question. However, as of the present date, I have yet to receive any communication or resolution from Equifax. Below are the details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I am requesting Equifax to undertake a thorough verification of the accuracy of the XXXX XXXX account details. The reported balance of {$94.00} raises concerns, as it contradicts my understanding of the amount owed. Furthermore, the account status is indicated as closed and charged-off, rendering the inclusion of a Past Due amount inappropriate. I kindly ask Equifax to designate this account as disputed, allowing me to address the dispute with the creditor. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Equifax 's reporting on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$860.00} ) is erroneous. The original creditor, XXXX XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Additionally, I have never entered into a contractual agreement with this company nor have I received any communication from them. The false information provided by Equifax regarding the balance, which exceeds my belief of the owed amount, prompts me to dispute the entirety of this account. I kindly request verification of the Date Opened and Date of First Delinquency. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} The information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is also inaccurate. The original creditor, XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Moreover, the reported balance exceeds my understanding of the owed amount, casting doubt on the accuracy of the provided information. Consequently, I dispute this account and seek verification of the Date Opened and Date of First Delinquency.
Product: Debt collection

On XX/XX/XXXX, I received my credit report and found several items that were not mine. After noting the inaccuracies, I notified Allied Collection Service to inquire about the date they claimed I owed. On XX/XX/XXXX, I sent them a letter via certified mail ( See enclosed documentation ) concerning the issue that this was indeed not my debt but also requesting verification, i.e., competent evidence that I had some contractual obligation with this trade line. I also asked for a certified copy of an original contract, with my handwritten signature, specifically naming Allied Collection Services as an entity entitled to enforce a claim against me. My final purpose of this letter was to ensure the company knew I was disputing the debt which I made clear on several occasions throughout the document. On XX/XX/XXXX, Allied Collection Services received the letter ( See enclosed documentation ). On XX/XX/XXXX, XXXX XXXX XXXX provided a response to my dispute and provided the enclosed document as evidence of their lack of sufficient proof of validity. As a printout of a bill or itemized document does not constitute verification.I submitted the documentation to the CRA 's for evaluation that this is clearly not valid proof of debt ownership. 

On XX/XX/XXXX, I reviewed my credit report ( See enclosed updated doc from XX/XX/XXXX ) that Allied Collection Services did not furnish the credit bureaus with the required disclosure, within the period required by law. Allied Collection is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. All other accounts which were incorrect, inaccurate or incomplete that I disputed had this disputing detail in the descriptions. However, Allied Collection Services did not.This is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Product: Debt collection

this account was opened in 2022 for the amount of {$2400.00}
Product: Debt collection

In the on going dispute of my consumer rights. Discover has purposely neglected abiding by federal law. 

New information : Discover sent a debt collection to my address that I did not give them permission to do. 
I have on a recorded phone call Discover stating that they do not and will not abide by federal laws. 

Audio recording will be handed over to their governing body and their state attorney general and all other applicable legal entities.
Product: Credit reporting or other personal consumer reports

XXXX is Not showing up in my Transunion and Transunion and XXXX Aren't showing my XXXX card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, Transunion and XXXX Keep claiming its XX/XX/XXXX fault for not reporting and when I call XXXX they Claim that they Are reporting my XX/XX/XXXX and that is not true as my credit report reflects missing my XX/XX/XXXXin transunion and XXXX. When I called XXXX they told me that I requested my XX/XX/XXXX be removed and that is just not true why on earth would I want my oldest XXXX XXXX to be taken off my credit history!? XXXX claimed they don't report to transunion qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XX/XX/XXXX at XXXX point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages below XX/XX/XXXX % and pay my cc off to XX/XX/XXXX every months. still XXXX is refusing to cooperate with me in regards to their lack of XXXX my PERFECT credit history to Transunion And XXXX is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing XXXX credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.
Product: Credit reporting or other personal consumer reports

For a couple of months I have been trying to solve with this agency about the disputes so that some inquiries are removed from my report which were not authorized by me, my credit report has a fraud alert which I have kept active for more than 5 months to prevent anyone from requesting some type of product on my behalf and being affected. 

On multiple occasions I have been informed that they carry out the dispute and 24 hours after starting the dispute this agency completes the investigation without giving any reason why the information is still reported in my file. 

On XX/XX/XXXX, I found some inquiries with the XXXX XXXX in which I have not made any inquiries because I do not have relations with that bank. So I request that all the inquiries below be removed from my report. 

XXXX ) XXXX XXXX : I have no relationship with this bank, nor have I authorized an investigation so I request that it be removed from my report. 

XXXX ) XXXX XXXX  XX/XX/XXXX, do not authorize any request with this bank, so I request that it be removed from my report. 

XXXX ) XXXXXXXX XXXX XXXXXX/XX/XXXX, this recent investigation does not belong to me and I immediately called the agency and they ask me for evidence which I do not have to be able to remove such information. 

XXXX ) XXXX XXXX XXXX : XX/XX/XXXX, I have no relationship with this company so I request that this be removed from my report since it was not authorized by me.
Product: Debt collection

On XX/XX/2022 we had a letter taped to our door addressed to XXXX XXXX. My name is XXXX XXXX. It was for collection of a loan that we had never taken out. I took it to my bank and they said it was fraud. We tried to call the company and they told us they'd call us back and never did. We then assumed that it was a scam and that we'd never hear from them again. I got served papers today to appear in a lawsuite in a month for a loan I never took out. Little did we know my phone, computer, or something had been hacked because I have email correspondence between my email and the company that supposedly gave us a loan. I never received any money. If you have any suggestions on getting out of this lawsuit that would be great. Thanks.
Product: Credit reporting or other personal consumer reports

Requested investigation of error collection account on file from credit bureaus. 

No knowledge of fraud account and fraud Victim. 

XX/XX/2023 {$690.00} XXXX
Product: Credit reporting or other personal consumer reports

Received a credit alert today from XXXX where Empower reported a credit line in my name for being " over the limit ''. The balance today is $ XXXX {$400.00} as of today when the report surfaced. 

The report states the balance date was XX/XX/XXXX at {$410.00}. The cash advance was used on XX/XX/XXXX and they were so fast to report this to the CBRs. This behavior is highly abusive to consumers. 

I attempted to call them today and due to their customer service team I could not effectively communicate with the rep and she refused to transfer to someone with more english skills. 

I have never seen a creditor/bank report a newly established account SIX DAYS out from account inception. 

This behavior, although likely " legal '' is highly abusive and should not be allowed. If they want to report someone 6 days from the account opening, they should then report it daily.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should not be on my report. It is a child support case that is over 20 years ago. I believed that the statue of limitations ran out. I am basing that on the FTC regulations. I have disputed this with the 3 major bureaus. However, it is only reporting on Experian. The account # XXXX XXXX, from the Illinois XXXX. I need this to be removed immediately. It is damaging the character of my credit report. It hard to get credit based on something that does not reflect my credit worthiness. This situation is not accurate and therefore should be dismissed based on the facts.
Product: Credit reporting or other personal consumer reports

I contacted Kimball Tirey & St John several times by phone last year regarding a default judgment on a civil lawsuit for XXXX XXXX XXXX. They refuse to stop reporting this judgment on my XXXX credit file. 

According to the Consumer Financial Protection Bureau, judgments ( which are a matter of public record ), no longer appear on credit reports as of XXXX. 

As part of a settlement agreement stemming from multiple class-action lawsuits, the three major United States credit bureaus XXXX XXXX XXXX, and XXXX all agreed to stop displaying judgments on their reports. 

XXXX has continuously been reporting this judgment on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my credit report. There's an account that is written as a CHARGE OFF ACCOUNT but failed to receive the XXXX cancelation of debt form, because of that this account is inaccurate and needs to be removed from my credit report immediately. As well as several violations made reporting incorrect name variations. incorrect address variations, and incorrect late payment variations. XXXX or more of these violations violate my right to Privacy. These violations must be removed from my credit profile Immediately. I have reached out to all XXXX credit bureaus Experian, XXXX, and XXXX via certified letters and also provided proper identification to prove my identity yet have received no update or change to my credit profile.
Product: Credit reporting or other personal consumer reports

Ive noticed inquiries on my credit report and Ive contacted them and sent them letters for verification of the inquiries and they never responded because Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 
XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

As of today Friday XX/XX/2019 I still have not recieved my diect deposit with Navy Federal, there was no notice sent out to members only a message on social media. Last week, I also tried to reach out to Navy federal in reference to an issue on my account and there banking systems were down for several hours causing me to miss an important flight. Last but not least, I filed a dispsute for a merchant that charged me on the wrong day and I was given provisional credit along which was fine 2 months later the dispute was reversed and when I had no money navy federal took the money out. I have provided documents that state that the merchant did that in error and I still have not recieved my money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for a credit card with XXXX XXXX XXXXXXXX. They pulled my Experian credit file the same day ( XX/XX/year> ). 

The XXXX XXXX XXXXXXXX application number is # XXXX XXXX XXXX XXXXXXXX mailed a document request for Identity & Income verfication. I have attached this letter. I mailed the documents & forms back to XXXX immediately, same day I received the letter. 

After many weeks of calling about the status of my application they finally sent a denial letter, XX/XX/year> XXXX months later ( document attached ). I understand sometimes applications result in denial, that is fine. 

The problem is that XXXX XXXX XXXXXXXX processed a SECOND Hard Inquiry on my Experian credit file without my authorization on XX/XX/year>. I only applied for the 1 credit card one time on XX/XX/year>. I never submitted a second application. They took over 2 months to process my application even though I had sent the documents the same day I received a Document request letter from XXXX. I never agreed to them hard pulling my credit well over a month after my application was submitted. 

Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

One of my loan servicers is XXXX. They report to credit bureaus if a borrower is 90 days past due. I always keep a careful watch on when I may become delinquent. I was especially careful this year because I was going to consolidate my loans under the PSLF loan changes. A company, called Ascendium calls on behalf of my loan servicers to tell me about my options. They are not my servicer and they do not ask for payment. They have all of my personal information and say they trying to collect a debt. On XX/XX/XXXX I received a called from someone with Ascendium letting me know I needed to take action on my XXXX and XXXX student loans. They told me they would make everything current with my account, though the calls from my servicers might continue. I also received a form about income-based repayment. I even have an account number with Ascendium : XXXX. I complete the consolidation form and submit my PSLF to XXXX. Yesterday, XXXX reports that I am more than 120 days delinquent on several student loans. I told them about Ascendium and that I should be current. My credit score dipped XXXX points because of this. I want this off my credit score. I trusted Ascendium at their word and thought I would be brought current on my loans.
Product: Credit card

On XX/XX/year>, I responded to a 0 % balance transfer offer on my Barclays, XXXX Credit Card. In order to transfer all my balances to the low rate, I requested a credit line increase which was approved. 

I proceeded on XXXX and XXXX to request XXXX balance transfer ( {$1500.00}, {$10000.00} and {$11000.00} ) via Barclays website. I successfully passed all authentication, provided the balance transfer details and was presented digital messaging indicating my transfers were successfully captured and would take XXXX days to process. I could also see pending authorizations for each amount on my account. 

The week of XXXX I monitored my account, confirming the authorization were still there believing the balance transfers would be processed. 

XX/XX/year> via the Barclays mobile app, I noticed XXXX of the balance transfer authorizations not longer appeared. 

I called Barclays customer service the morning of XX/XX/year> and spoke to XXXX in the 'Security ' department. He confirmed all my profile information ( name, address, phone number and email ) on the account was correct and informed me that all three of the transfers had been cancelled but could not tell me why. 

I was then transferred to XXXX, an Account Specialist. He indicated yes, the transfers were cancelled due to security concerns. He could/would not address when there was ZERO communication back to me regarding the cancellation of the transfers. 

I received no phone call, no email, no letter. Had I not been monitoring the account, I would have not found out the transfers were not being processed until my next monthly statements on the other accounts. 

In addition, when I went back into Barclays website to looking at Balance Transfer offers available to me- there were NONE even though the offer I responded to was valid until early XXXX. 

During the course of the phone call, I requested the name of the president of Barclays. The agent I spoke with responded that it is their policy to not provide this information or how to raise a complaint to executives. 

Due to the poor customer experience, lack of information and the perception of bait and switch, I closed my XXXX XXXX and will do business with another company. 

I firmly believe the cancellation was a method to not honor the 0 % offer.
Product: Money transfer, virtual currency, or money service

I did 2 wire transfers in XXXX dollars from XXXX XXXX in XXXX to Wells Fargo in XXXX XXXX where they converted the money to USD and sent it to my account in XXXX XXXX, TX. One was on XX/XX/XXXX for AUD XXXX, and the second was on XX/XX/XXXX for XXXX. Before doing so, I called XXXX XXXX XXXX in XXXX XXXX and got wiring instructions by email from XXXX XXXX of Wells Fargo. 
I also asked about the forex or exchange rate that would be used to convert the money. I explained that I was aware that it was a common practice, say in the case of tourists getting pocket money for a trip, to change the money at a rate of around 5 points less than the real, official exchange rate of the day. I said that I wanted to be sure that this would not happen as it would cost me several thousand dollars on the amount I would be transferring. She told me that I would not be shorted that way and that the bank would use the official, public exchange rate for the specific date and time. Just prior to the transfers, I called again with a couple more questions and repeated my concerns about the exchange rate that would be used. She told me the same thing. 
When Wells Fargo changed the money on the XX/XX/XXXX and XX/XX/XXXX, the published exchange rate on internet sites was about XXXX. My money converted at just short of XXXX, and I calculate that I received just over {$8000.00} less because of this difference. Prior to XX/XX/XXXX, I sent wires to XXXX in XXXX and also to XXXX, and they always used the official rate of the day. Even this summer, my daughter changed some XXXX dollars at the branch here in XXXX XXXX, and it appears that they used the day 's official rate. 
On XX/XX/XXXX, I talked to XXXX with Wells Fargo again and XXXX with XXXX XXXX XXXX. He then explained that they only used that official, public exchange rate for very large transactions, like XXXX XXXX dollars. 
XXXX XXXX with my branch in XXXX XXXX also followed this up for me. It was agreed that the communication with me about the exchange rates fell short, but they made no offer to compensate me for some or all of the difference. 
I believe that they had to understand what I was asking, and I do not believe that the disclosure was complete and adequate. I understand that it is probably legal to give whatever exchange rate they want as long as they disclose how it is done. In this case they did not, and it seems that they should take responsibility for that. If I had had full and complete information, I may well have done things differently. I would have certainly talked to other banks, and I would maybe have tried to do the whole XXXX in one transaction ( from within my XXXX account, my daily transaction limit was XXXX ). As I've said, I feel Wells Fargo should be responsible for incomplete, inadequate disclosure and the money I may have lost due to this.