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

Sent certified mail on XXXX/XXXX/2017 to debt collector asking for proof that I owe the collection that is on my credit reports. The company signed for the documents on XXXX/XXXX/2017, in which I informed them that I had no contract with their company and the collection showing on XXXX XXXX and XXXX was not mine and is a fraudulent account. This company did not try to communicate with me via mail and reported to the credit bureaus without following the rules pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This should not have been put on my credit without any prior contact. I have attached the letter that was sent to the collection agency to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email at XXXX AM XX/XX/23 from both XXXX and my XXXX  credit subscription that someone filed a hard credit inquiry with XXXX XXXX XXXX which XXXX turned up as XXXX XXXX XXXX XXXX I went to sleep XXXX hours prior to this, so I know it was not me who requested it. I worked with XXXX to have this removed from my XXXX account, but it is still active on my other accounts. I reached out to Comenity Bank, responsible for the credit card company associated with my hard inquiry, but they are unable to help me without an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$60.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i called Experian to this number XXXX to dispute 1 hard inquiry and for them to remove wrong or not mine address and wrong names and the representative entered into argument and i asked to talk to his superior but there was non available so he told me a supervisor was going to call me in the next 24-48 hours and never did. Representative was really unprofessional and rude and never took my dispute serious and this 1 inquiry that i never authorized and all this past wrong addresses and names still showing in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an outdated charge-off entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), charge-offs can only remain on credit reports for a maximum of XXXX years from the date of the first delinquency. The charge-off from on my credit report is past this seven-year period. I request that this charge-off be removed from my credit report as it is no longer valid under FCRA guidelines XXXX Please investigate this matter and update my report accordingly. I also request written confirmation once the entry is removed. I have recently become aware that I have been a victim of a data breach, which has impacted my credit report. Additionally, I have been living in XXXX for the past XXXX years, where I maintained an excellent credit standing. Due to the data breach, I have been receiving alerts about my compromised Social Security Number ( SSN ) on the dark web. As a result, I am strongly considering changing my SSN to protect my identity. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$0.00} - - -No Data Dispute Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX Phone number not available Date Opened XX/XX/2015 In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Vehicle loan or lease

Good Morning, I contacted Exeter Financial on XX/XX/2021 informed them that my employer had reduced my hours again due to covid an that my spouse was no longer working and my bills where high they informed me I had used all my extension an only had one available. After speaking to a serval representatives informed an explained my situation on recorded line the representative stated that he will help me today an apply a two month extension this was on XX/XX/2021. I was very happy with that information. I notice they report 3 missed payment to all three of my credit XXXX, XXXX and XXXX, I also see they they began to call me i answer a call on XX/XX/2021 where the representative is informed me that I'm very past due an what the representative on XX/XX/2021 did needed manger approval an mines was dined. Throughout this whole pandemic i have been them first before even my rent because I knew once I acquired a job I would need a car for me a my XXXX kids. They have never had a relief options i have called to lower my bill dined I have called them for the small amount of help an always they give a run around. I'm requesting a two month extension on my loan. Covid 19 is still very real an I'm unable to make full payments at this time i would like them to remove all negative information off my credit. If some can please help me with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. XXXX   stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a XXXX  balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to pull both my credit report and credit file and was given the message from Experian, XXXX and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.
Product: Debt collection

I wrote a letter to XXXX XXXX XXXX on XX/XX/2018. This letter was certified and was received on XX/XX/XXXX. This company did not respond in the 30 days allowed to respond. I received a letter from an attorney dated XX/XX/XXXX but was mail on XXXX. The company did not verify the debt but sent a letter and a bill which are not valid forms of validation. I have a copy of all items mentioned above.
Product: Payday loan, title loan, personal loan, or advance loan

BESTEGG did not make direct payouts as I requested. 
MISSING {$5000.00}. Payout never made to XXXX XXXX, not sent to me, and did not pay on an existing account. MISSING {$5000.00}. 

I contacted BESTEGG back in XXXX to find out where the missing {$5000.00}. XXXX XXXX payout was. 

BESTEGG did not provide the direct payout letter until months after loan was distributed. XXXX XX/XX/XXXX The payout letter is incorrect. I did not request a payout to XXXX XXXXXXXX XXXX on this current loan. I do not have a current open account with XXXX XXXXXXXX XXXX. I paid off and closed that account in XXXX. 

That payout was supposed to go to XXXX XXXX as I requested. The payout is at XXXX XXXX XXXX, I do not have access to it, I dont have an open account. I am currently being charged by BESTEGG for a portion of this loan that was not distributed properly. 
BESTEGG used old data from an old application that was denied and sent a direct pay to the wrong account in addition BESTEGG did not pay off a credit balance on XXXX XXXX. Still missing {$5000.00}. from the payouts with no help from the BESTEGG team. 

To date XX/XX/XXXX I have not received the {$5000.00}. payout nor was my creditor paid. I do not have access to the payout BESTEGG sent by mistake to a closed account at XXXX XXXXXXXX XXXX. I am not a current customer of XXXX XXXX XXXX, I am a current customer of BESTEGG that has refused to acknowledge or correct the mistake leaving me with a {$5000.00}. Deficiency {$5000.00}. Still outstanding from payout, not paid out to me or any of my open current accounts.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, PA, XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX : XX/XX/2014 Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ma, XXXX XXXX ( XXXX ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX : Request for Account Verification Dear [ XXXX ], I am writing to formally request verification of this account reported on my credit file. I am not disputing the validity of the debt ; however, I would like to better understand the details of my account and request the following information : 1. The method used to verify this account as accurate and valid.

2. A complete payment history of the account, including any modifications or updates.

3. The original creditors name and contact information.

4. Any relevant documents used to report this account to my credit file.

5. Confirmation that my personal information has not been compromised due to recent data breaches involving the Department of Education or other financial institutions. 

As there have been multiple reported breaches affecting student and borrower data, including potential unauthorized access by Department of Education employees, I would like confirmation that my account information was not affected. 

Please consider this request time-sensitive and respond within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). If you are unable to verify this account, I request that it be removed from my credit report immediately.

You may send your response to the address listed above or contact me at XXXX or ( XXXX ) XXXX if additional information is required. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I contacted quicken loan also known as the rocket mortgage to get a quote for a home refinance and I was told that in order to get any quotes I had to give them my SSN and let them pull my credit report. I told the representative that I just want to get a quote to see if it make sense to do a refinance and I gave him all of my credit information that he needed to know to give me the quote, but he refused to give me a quote. Please note that I have contacted at least 5 other lenders and none of them asked to pull my credit report and they gave me a quote. 
Below is the contact information for the person that was helping me out XXXX XXXX XXXX Mortgage Banker Toll Free : ( XXXX ) XXXX x XXXX Fax : ( XXXX ) XXXX NMLS # XXXX Quicken Loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I messaged Toyota XX/XX/XXXX advising them that I had a XXXX baby and due to unexpected financial expenses and out of pocket medical cost that arose due to this XXXX birth I was going to be late on my payment. The message follows : Hello, I will be submitting a XXXX XXXX dollar payment XX/XX/XXXX. I will be submitting an additional XXXX XX/XX/XXXX. This will cover XX/XX/XXXX payment and XXXX of XX/XX/XXXXpayment with the following XXXX to complete XX/XX/XXXXpayment to be paid XX/XX/XXXX. I have fallen behind because I had a XXXX baby born XX/XX/XXXX and had many out of pocket expenses that I needed to cover after the ordeal. '' I reached out to them again via the secured portal XX/XX/XXXX and they advised me to send all correspondences to XXXX XXXX, IA. There was nothing resolved in my request at this time either. I followed up with a certified letter XX/XX/XXXX, asking that these late fees be waived and again still nothing. I spoke with XXXX an agent at Toyota XX/XX/XXXX and she advised me to dispute with the credit bureaus. That was done and the bureaus directed me back to Toyota who provides the info. 

I am asking for the payments reflecting late XX/XX/XXXX and XX/XX/XXXX to be waived and updated. Thanks!
Product: Credit reporting or other personal consumer reports

I noticed several hard inquiries that I did not authorize.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I wired {$1000.00} from my checking account at CITIBank to my checking account at XXXX  XXXX XXXX. The wired amount was returned to my account minus {$90.00} ( {$910.00} )!! 
My XXXX  account was vetted at CITI several years ago. I wired money in XX/XX/year> the same way without a problem. 
My XX/XX/year> CITI wire transaction # XXXX. No number is attributed to the XXXX return. 
CITI representative blames XXXX for {$90.00} fee. XXXX wiring department representative says policy is not to reduce wired amount BUT they never received it or it would have a transaction number.
Product: Mortgage

I had a small amount remaining on my existing mortgage with Mr. Cooper after making a number of larger additional payments. I simply wanted to make a final transfer to complete the loan. They refused to provide a final cost for the mortgage unless I paid a {$25.00} fee, or waited for a mailed quote that would have been out of date by the time it arrived. They could provide an estimate over the phone that actually was the true number, but refuse to accept a payment unless I paid {$25.00}. It's extortion. When I said I wanted to make the final payment the exact same way they accept the monthly payment and nearly 10 additional payments in the last year, they again refused to accept the funds. They insist it has to be via wire or certified check, meaning a much more difficult process, exposing a considerable of extra personal information and resulting in a {$30.00} fee to do a wire. This is after the first agent I talked to said I could make the final payment as I had the additional payments, but when I tried to it, they refused and forced the wire. This imposition of unnecessary, unwarranted fees is ridiculous. I want these monies returned and the policies of company changed.
Product: Checking or savings account

I had someone tap into my accounts and steal {$770.00} from my savings account and {$1100.00} through my debit card I filed a police report and called bank immediately I closed those accounts. Then they charged me international fees on top of it. The bank fraud department says they looked into it and it's my fault! How is this my fault? They never even contacted me about the these unusual large sums yet they put a hold on my account a few days earlier about {$94.00}, which wasn't even a problem. I desperately need this money back and banks do have insurance for this. but no one is helping me. It is TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize
Product: Debt collection

I was initially contacted by General Revenue on or about XX/XX/2020 regarding an alleged debt. The debt allegedly derived from XXXX XXXX University and was allegedly {$2100.00}. The initial letter I received stated that the principal balance was {$1600.00} and additionally a " collection cost '' of {$420.00} was added to the principal balance bringing the total alleged debt amount to {$2100.00}. I have attempted to resolve this issue multiple times with General Revenue in the past. I have also contacted the financial aid office with XXXX XXXX University and have been told " it was not heir problem ''. When I requested validation of the alleged debt I received a letter from General Revenue containing a list of charges. The alleged debt derived from a Federal Student Loan that I never received from XXXX XXXX University and the loan was allegedly received by myself when I was not enrolled in the university. The list of charged stated that I owed a principal balance of {$1400.00} along with a " collection cost '' of {$350.00} bringing the total alleged debt to {$1700.00}. General Revenue alleged to validate a debt with a completely different principal balance and a different amount charged as their " collection cost ''. General Revenue has placed this account on my credit report without validating the debt or even the actual amount allegedly owed. The Fair Debt Collection Practices Act ( FDCPA ) specifically states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' Falsely representing the amount of a debt is a blatant and direct violation of section 807 of the FDCPA. General Revenue falsely represented the amount allegedly owed in regards to the Principal balance.General Revenue has also added their own fees to this alleged debt in the amount of a " collection cost ''. Section 808 of the FDCPA states '' The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '', is a violation of the law.
Product: Checking or savings account

Up until this past year, Wells Fargo has charged me massive fees over and over to pull my money from my savings into my checking account if there was ever an overdraft. I was charged to use my own funds, which is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively monitoring my credit through  XXXX   XXXX . In the middle of  XXXX ,   XXXX  , Equifax reported information through  XXXX   XXXX , vwhich resulted in a  XXXX   XXXX  score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by th em ( No  credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through  XXXX   XXXX , even inquries as recent as  XXXX   XXXX ,   XXXX   ... .but, not my open, in good standing credit card account with  XXXX   XXXX   XXXX  If I have an account in good standing, which was previously showing on  XXXX   XXXX , I should have a credit score for reporting. I have eliminated the theory that  XXXX   XXXX  is the issue, as the rep from Equifax suggessted since I had purchased a subscription from  XXXX   (  I think thats the name ) and it showed my Equifax score a (  XXXX  ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the  XXXX   XXXX  account exist, is in good standing and reported by other bureaus.