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

i have been banned for making returns by XXXX retail store due to the retail activity report provided by the retail equation as of XX/XX/XXXX. XXXX corporate office representative ( XXXX ) states that they are unable to assist me, please contact XXXX ( XXXX ). i ordered the RAR ( retail activity report ) and received it via email. I initiated a dispute via postal mail as web/email was not an option, however, i ca n't obtain any confirmation that the letter of dispute has been received nor has an investigation has been started. the use of the report is not disclosed to consumer via website, sales receipt, nor XXXX credit statement. It is only after the restriction is in place that the use of the company is disclosed. As of XX/XX/XXXX is have not been successful in have the inaccurate information removed. I was told by the XXXX agent via phone that after XX/XX/XXXX i will be to make returns at any XXXX store. If i accept this action, I will need to store XXXX unworn, resale-condition merchandise and allow my XXXX credit account to be delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian spoke with XXXX in Disputes twice with no resolution. 

I asked does filing a dispute affect your report before the dispute is settled. XXXX told that the question was out of his scope and his Supervisor would not come to the phone as it was out of their scope as well. XXXX transferred me to Experians membership department because according to him they're the only department who can answer question regarding what affects scores.

At the membership department I asked the same question 'at Experian does filing a dispute negatively affect a credit score? '' I was advised to contact a credit  advisor and was transferred back to the disputes department and the same rep XXXX answered the phone. I asked for a supervisor then someone named XXXX came to the phone which sounded like the same person trying to us a different voice. 

I asked XXXX to tell me any new negative reportings for the last 2 weeks. He confirmed what I suspected which was nothing negative had been reported on my report any time recently. 

My only recent activity is filing a dispute on XX/XX/2018 which is still open. 10 minutes after I submitted this dispute my credit score dropped 20 points. ( XX/XX/2018

), again with now new or even recent negative reportings or activity in my credit file.

I contacted a professional credit counselor as advised by Experians membership department and they further confirmed that there was no activity that would have caused this drop in my score.
Product: Student loan

I have never received any written communication from Nelnet as requested and was told Id receive. Ive tried calling, but never can get through it the call gets dropped. There website is always down and constantly has incorrect/different information. I do not feel comfortable with adding my bank account information on their site due to all the issues Ive experienced and read from others. 

Without any written communications I have no way of trusting what is owed.
Product: Debt collection

Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date
Product: Checking or savings account

I opened my checking account on XX/XX/2022. I attempted transferred {$2100.00} from my XXXX  XXXX XXXX over to my chime account. Once that transfer started chime locked out my account due to internal policies. They stated that to unlock my account I had to send two copies of ID as well as mail with my physical address on it. I was told by the Chime representative that as soon as I submitted my documentation I would have my account open in 24-48 hours. I immediately submitted the documentation to them. My account is still locked, I have spoken to them on the phone and each time they assure me my account will be open in a few hours. I have been also told that the phone representatives can not help me and the only people that can help me are only reachable by email. I have emailed them at XXXX multiple times and they dont respond to my request other than to say they are forwarding my emails to the proper department who never answer. I told them that I want to close my account with them and for them to return my money to my XXXX  XXXX XXXX account. They told me they will not send my money back to XXXX  XXXX XXXX until their internal policies have been resolved and my account is unlocked. They told me there is nothing to be done, my money is unavailable, and I need to be patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX school XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX school debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal cell phone account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud fraudulent inquiries : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello how are you my names XXXX XXXX I have a big problem I need help with This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXX XXXX - {$1500.00} XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed by certified mail on XX/XX/2022, XX/XX/2022, and XX/XX/2022 this bankruptcy with the case number XXXX because Advanced Resolution Services is reporting inaccurate information because this bankruptcy is not mine because it is not my correct name, my full social security number or my full date of birth so, I am attaching my Social Security Card picture showing my correct first name and last name because it is different from your documents. ARS you must remove or delete this bankruptcy immediately because you have wrongfully mixed my name with some else information. 

You responded to me on XX/XX/2022, XX/XX/2022, and XX/XX/2022 file # XXXX did not fix or deleted this false reporting on my bankruptcy because you did not investigate 100 % so, please delete or remove this bankruptcy immediately. 

I attached 6 supporting documents including my identification and the US postal service tracking numbers please check.
Product: Student loan

Navient gave me a hard time verifying the school saying that I should verify, my repayments has been lies they always say they never receive my information when I submit it
Product: Credit card or prepaid card

XX/XX/2018 purchase {$24.00} XX/XX/2018 Payment made {$24.00} XX/XX/2018 Late fee assessed {$24.00} XX/XX/2018 purchase {$24.00} XX/XX/2018 late fee assessed {$27.00} XX/XX/2018 Finance charge {$1.00} I contacted the company today XX/XX/2018 about the late fees assessed on the account. I contacted the company because I was unaware of the late fees an especially them being {$27.00} for 1 day late. I called to make a payment an I was trying to explain to them that I am a XXXX XXXX XXXX an their was no way I could pay {$78.00} before XX/XX/2018. The 1st person I talked to I asked could I speak to a manager she told me she could just send me over to hardship so they could help me before she transferred my called she did a credit for {$15.00} on my account knowing that would be all they would credit me. Once the hardship rep got on the phone she told me she couldnt credit me nothing else because they had already did that one she was being a little rude so I asked to speak to a manager again. Once I got on the phone with the manager he took a look at my account then put me on hold an a woman returned I explained to all of the reps managers an associates that I am a XXXX XXXX XXXX I dont have a job an I know there is no way I could pay {$78.00} before XXXX. I told them I have the purchase payment of {$24.00} to pay right now an they told me I needed a minimum of {$32.00}. I told them that I could possibly beg someone for the other {$6.00} an pay it so I could have at least the minimum payment. I was sent to 4 different reps in which no one really helped me and 2 belittled me asking about my finances, how I pay my bills an how I get by, an do I think I could get a job. I tried explaining to them that I dont want the late charges to continue accruing because I cant pay the ones I have now. They wouldnt even set me a plan to pay what I have now all they said was I got to pay it in full by the due date or they gone continue charging late fees. I also explained to them that no one explained the late fees to me an I have not received a statement. I told them when I got the card I was out of town on vacation an I visited a store an they cashier told me that she could put all the information in on the computer So I did not fill out anything. Instead they told me I should have been aware of the the fees an due dates.
Product: Debt collection

Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$920.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$920.00}
Product: Credit reporting or other personal consumer reports

I sent Transunion a letter requesting method of verification for an account inaccurately reporting on my credit report. I also sent Transunion a letter requesting investigations for newly inaccurate accounts reporting to my credit report. Transunion has not responded to any of my disputes. These letters were sent via certified tracking mail XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( RADIUS GLOBAL SOLUTION XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Experian report # XXXX falsely shows XXXX XXXX listed as a negative item on my credit reports. That account was paid off in full on XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I called and spoke with a rep to get a deferment. The first rep told me that it was granted and that I wouldn't have to make a payment until XXXX. Then I got a call from their automated system. I returned the call, and the second rep stated that the deferment was done incorrectly and that she was going to fix it and that my payment wouldn't be due until XXXX. My original payment due date was the XXXX. I spoke to the rep on the XXXX or XXXX of XXXX Then I get a call a day or two later from the automated system stating that I am past due on my loan. I called and spoke to a manager XXXX XXXX XXXX  and she stated that she could see hat I was given the incorrect information and that my loan is past due. She said she could not do anything to fix it and that I would have to make the full payment before the 30 days or my credit could be affected.
Product: Credit card

I made a purchase in the XXXX. This was converted at an fx rate ( a poor one ). I was charged 1.5 % by the merchant and 2.7 % in administrative charges. When I queried this they could not explain what these charges were and refused to itmemise them or that they had in fact incurred them. When I asked to dispute this, they resisted and ultimately said I would have to dispute the complete charge as they are related. When I ask for details of their regulator, they refused to give it to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2021, I added my Capital One XXXX  One card to my XXXX Pay portfolio prior to attempting to make a purchase. As part of this process, I was required to undergo a series of verification checks both with Capital One and XXXX Pay. 

Shortly after, on the same day, I attempted to use the XXXX Pay option at Walmart. The payment process was not completed and the POS directed me to call Capital One. I called Capital One and after going through a series of prompts I was connected with a man ( I do not recall his name, but he was the only male individual I spoke with during this ordeal ). I explained to him what the problem was. He asked for my account number, I advised him that I did not have the card number present because the card was part of my XXXX Pay portfolio. He then asked for my Social Security Number. I advised him that I was standing in line at Walmart and that I did not feel comfortable speaking out my Social Security Number in line at Walmart. As a past victim of identify theft ( I am still dealing with something that happened over a decade ago ) that option did not sit well with me. He then said that he would not be able to assist me. Since I had no other option at that point because I needed to complete the transaction, I read my social security number out loud in a line of customers standing behind me and a Walmart cashier. This is at least 7 people who, if they were paying attention and wanted to, now have my social security number. Thank you Capital One for being customer focused and friendly and for being my partner in maintaining my privacy and security. I salute you. 

Upon receiving my social security number he placed me on hold for about ten ( 10 ) minutes and the call disconnected. Please remember, I am standing in the line at Walmart with customers standing behind me. I then attempted to use my Capital One XXXX  business card. Since the whole idea for me making this purchase was to purchase late XXXX gifts for a group of clients, it made sense for me to use that card anyway instead of my personal card. Perhaps the first card being blocked was some sort of divine intervention? No. When I attempted to use the Sparks card, I encountered another problem. The cashier was not able to explain, but one item kept getting removed from the transaction. After holding up the line for almost 20 minutes, I went ahead and used my XXXX XXXX card to complete the transaction. 

Later I contacted Capital One again and had to undergo a series of verification checks including sending in a copy of my Driver 's License to verify my identity. This is crazy because even though I sent in my Driver 's License, you still don't know that it is me. All you know is that you received a copy of my Driver 's License.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt with XXXX XXXX XXXX for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. 

I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. 

Secondly they're engaging in illegal reporting practices. 

The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. 

In Mississippi, Contracts, oral or written, and XXXX XXXX have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 

XXXX Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

upon knowledge that there was a breach to my credit file through the ( XXXX XXXX XXXX XXXX ) I Contacted Innovis, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, and a number of other companies to inform them that my information is held in trust and copy written as a precaution and protection from any further breaches, I mailed out complete packages of this information to the above companies asking them to cease and desist furnishing any information on me unless authorized in writing, I informed these companies that my information is also protected by law under Title 15 U.S.C 1681 ( b ) Permissible Purpose the above companies opened, then refused my certified mail to avoid liability I have taken pictures of the information in question and I'm asking as a consumer that you address these violations of my rights
Product: Student loan

I received mail from Navient saying they had processed my request to enroll my loans in a XXXX Repayment Plan. I did not make this request. I called customer service & was told that everone leaving school os automatically enrolled on this repayment level. I think this is a form or fraud considerimg the XXXX Repayment Plan has higher interest rates. Also of this is automatically done how come the paperwork says Ibrequested this?. I asked to speak with a supervisor & also get a complaint address or number & was transferred to a Navient XXXX instead.