23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XXXX XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  Source of dispute information XXXX XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed XXXX XXXX XXXX XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was charged for an XXXX XXXX membership on a yearly basis via my XXXX XXXX XXXX and also charged on a monthly basis via Synchrony Bank XXXX store card at {$14.00} per month for the same 2 year period. I have provided proof to Synchrony of the yearly charges and they refunded 1 year but have still not refunded the second year. I started my original dispute about XX/XX/2021 so it is now more than 90 days and they keep sending me emails that they are refunding the amount but nothing every happens for the second year.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have sent letters to the credit bureaus ( XXXX, Equifax and XXXX ), demanding delete these accounts from my consumer report, because I never gave them any written consent to report anything on my consumer report. They are in Violation of th

e U.S Code 1692c. They have done nothing to fix this. Pursuant to 15 USC 1681b-Permissible p
urposes of consumer reports a ) 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. 

I, XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 

Concerning the account listed below as a Federally Protected consumer under title 15 Chapter 41 Im demanding a deletion of these accounts from my consumer report. 

ACCOUNTS XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. Original Creditor : N/A Account # XXXX Thank you, XXXX XXXX
Product: Credit reporting

Equifax is reporting accounts included in a Chapter XXXX bankruptcy filed XX/XX/XXXX as if they were current open accounts included in a bankruptcy filed XX/XX/XXXX. This case was filed XX/XX/XXXX and discharged XX/XX/XXXX and given that it is a Chapter XXXX it should not be reported after 7 years from filing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandated a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Dyck-O'Neal, Inc. - XXXX This number has called since XX/XX/XXXX sometimes calling multiple times a day. The number left to call is XXXX, which is not the number listed on their website. The message left is always - We have important message from Dyck-O'Neal , Inc . This is a call from a debt collector. Please call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach and my personal information was compromised and is likely publicly available and waiting around for someone to attempt identity theft.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions were made on my Frost Bank account XX/XX/ totalling {$3800.00} thru XXXX. After XXXX XXXX notified me of suspicious activity in my account with their bank I immediately took actions that day to call Frost and review my account there as well to see if any unauthorized transactions had happened in that bank as well and there were. I called and emailed them that all the transactions made on this day ( XX/XX/ ) were unauthorized. Frost temporarily credited my account. After the claims case the bank decided not to return the fraudulant unauhorized transactions that were made. I would expect that Frost would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of the transactions being made. Further, I filed a police report with the XXXX XXXX XXXX XXXX 's REPORT NUMBER : XXXX.
Product: Credit card or prepaid card

Hi, do you know that XXXX has this practice? I overpaid my XXXX credit card, they gave me a check for the refund, XXXX out my credit card that I dont owe them anything anymore, I presented the check to the bank after a month and they said that the check is expired! Checks dont expire after a month, I havent use my XXXX credit card and worse part my bank charged me {$25.00} for presenting an expired check. You know what XXXX did? They requested for my bank statement! Wow!! For all the inconvenience I got, they question my {$25.00} and the {$34.00} that Im out. Its quite a sneaky practice! Please help us, thats sneaky! 

This happened to me today. They will be giving me back my {$34.00} but isnt that practice sneaky?!?! Who cancels a check after 1 month just because it was not presented?!?! 

Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.
Product: Mortgage

Deceased owner of the account XXXX XXXX XXXX XXXX in n XXXX. His deceased I'd or ss number is XXXX XXXX XXXX. He is also a business owner of XXXX  XXXX XXXX and XXXX XXXX XXXX .he is the owner of these financial institution. Ok .not a shareholder, but the ein irs employer tax payer too the business, in this text. I am write regions Bank ask, is XXXX XXXX XXXX is a owner of this company and do he have any account, too his name or ss number in this bank. Do he have any account or ownership on this bank. Check ya record, operation agreement too see if he owns this bank too or made me the beneficiary too the bank or a bank account. He could own both the bank and has a bank account in the bank too cleck both .I believe, if all of this is so .please give me cpa accounting,
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender : XXXX XXXX XXXX Inquiry date : XX/XX/ Credit inquiry was not authorized as I did a pre approval and as stated from rep at bank and website that It would have an affect on my credit because it's a soft pull.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX   XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1700.00}
Product: Debt collection

XXXX, XXXX, & XXXX all show that I have two collections on my report. 

XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$1700.00} Account # : XXXX Collection Agency : LVNV FUNDING c/o Resurgent Capital Services XXXX XXXX SC XXXX XXXX Account XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$1700.00} Account # : XXXX Collection Agency : LVNC FUNDING LLC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Balance : {$1700.00} Account # : no account # given Collection Agency : LVNV FUNDING, LLC XXXX XXXX XXXX XXXX, SC XXXX No phone # given Account ID XXXX XXXX All of the contact information for the Collection agency differs from bureau to bureau. No information is the same. When I called each number listed and spoke to an agent they weren't able to locate any of my information or debt owed. I'd notify them that I had the actual account ID to each bureau they report too & I'd get hung up on, every single time. 

Same goes for the other Collection Original Creditor is XXXX XXXX XXXX  XXXX : Account # XXXX Balance : {$1100.00} Collection Agency : Resurgerecve ( how it's spelled on report ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX Collection Agency Resurgent Receivable XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Experian Account # no account listed Collection agency : RC/Resurgent Receivabl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Notice the phone # from XXXX on Collection # XXXX and the phone # from XXXX on Collection # XXXX that they are a MATCH. Different company names, same phone #. Same goes for the address on XXXX on XXXX # XXXX and XXXX on XXXX # XXXX, are a MATCH, different phone numbers, same address. 

Same thing. No account information can be found by any of the above listed Collection Agency on my account. 

If you look at my creditors you will see XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Address matches exactly with the XXXX XXXX aka Resurgent Receivable, R/C Resurgent Receivabl. 

How can a Creditor sale accounts to LVNC FUNDING AKA RESURGENT CAPITAL SERVICES AKA LVNV FUNDING LLC AKA R/C RESURGENT RECEIVABL. Multiple different names, addresses, phone numbers, and states that they say are not the same entity.
Product: Checking or savings account

Basically I just found out that they been doing this. Applying overdraft charges the day or two before my deposit hits. I keep talking to customer service about having no overdraft but every time it is close to payday here comes the overdrafts. Now Im told I didnt confirm that I wanted to opt out but I opened the chat to dispute it why would they say I didnt confirm? I have a {$100.00} advance that hasnt been paid in a month because they put all these fees then say not enough money to pay it. Sent 2 weeks ago but somehow it keeps coming back and how are the monies coming out of my account when I have money but end up being a overdraft. Im fed up theyve gotten well over {$1000.00} from me in overdraft and I finally see how.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experianfor failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are mark as inaccurate : Applied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently received a letter from Lowe 's stating that my account with them was closed. I would like to report their unfair practices towards XXXX XXXX  card holders. I didn't owe them any money and my card was in good standing. I paid this account off in XXXX or XXXX.The closed my account in XXXX. Damaging my credit score/rating.If you investigate you will find that they have implemented this practice only on their minority card holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under the 15 USC 1681 Section 602 states I have the right to privacy.

Under the 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a document to Transunion requesting verification of several accounts on my credit report which I feel are being reported inaccurately. 
Since that time, I have sent 3 additional letters requesting that they verify the debt they are reporting, which they still have failed to do. 
Because they refuse to provide the required information, please direct Transunion to promptly remove these unverified items from my credit report. 
I have attached copies of all letters sent. 
Thank you very much for your help.
Product: Consumer Loan

I got approved to have my XXXX payment added to end of loan and it was reported late on credit report, this is not correct. I have attached my payment history, XXXX was extended to end of loan there should not be a late. XXXX payment was made XX/XX/XXXX, XXXX payment was made in full XX/XX/XXXX with the additional fees that were on my account, XXXX was made XX/XX/XXXX. My payments are due the XXXX of each month. The payment being extended was reflected in the system because when I login the payment system it reflects how many days late. This has been a problem in the past when I have received a courtesy payment extension to the back of the loan-skip a payment they have reported it as late to credit bureaus and I have to dispute. They should have proper reporting or not offer the service if they are going to hit your credit in error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX, account ending in XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.
Product: Payday loan, title loan, or personal loan

On Wednesday, XX/XX/XXXX at approximately XXXX. EST, my ex spouse and I contacted Mariner Finance , LLC. regarding general information about our account. Specifically, we requested that Mariner Finance furnish us with periodic account statements so as to review payment history, information on the life of the loan, how our payments are being applied ( principal vs interest ), etc. 

I was informed, on the Wednesday call, that in late XXXX of this year my ex spouse submitted a " dishonored '' check and therefore she was denied access to review such account information. However, she would be granted access once the company worked out the " kinks '' in its online system, and approximately six ( 6 ) months after the dishonored check incident. To be clear, we have submitted money orders for nearly five ( 5 ) months now and next month will be the six ( 6 ) month where we may or may not have access to account information. 

Personally, this raised a red flag for me as I am unaware of any financial institution prohibiting a customer/consumer from reviewing account information due to a " dishonored '' check. Perhaps the customer is not allowed to pay online, but being denied access to account information seems completely unjust and unlawful. 

I asked both the account representative and her manager was this company policy or in accordance with Federal law? Each noted company policy. Troublesome, indeed. To deny a customer access to account information on the basis of one unfortunate incident seems completely draconian and out of sync with normal business protocol and leaves the customer unclear of the basic information to make timely and accurate financial decisions. 

To the manager 's credit she did offer to send a payment history report to us for review, but that we could not gain access online at this time. In my discussion with both the manager and account representative, my ex spouse was on the phone call with me. 

Mariner Finance has had a string of complaints over the years, I am more than sure this issue is not endemic to the XXXX family. In short, there should not be any prohibitions or account restrictions ( at least viewing account information ) on active accounts. We are blindly making payments based on the amount our account rep says at the Mariner Finance branch office. This is overly cumbersome and completely off-base. And entirely against basic consumer rights.
Product: Credit reporting or other personal consumer reports

I recently found this collection account on my reports which are fraudulent. I filed a dispute with XXXX and this account was deleted immediately. 

XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has stolen my identity through a data breach and illegally reported this fraudulent account on my credit report.
Product: Debt collection

I have been the victim of identity theft. My wife and I both have been swept up in what seems like one data breach after another. I have previously reported similar incidents in the past that involve utility companies in the XXXX XXXX United States. XXXX XXXX  and XXXX XXXX companies are what I remember and this incident again involves XXXX XXXX. This debt is {$650.00} Creditor : XXXXXXXX XXXX Reference # : XXXX Date of Service : XX/XX/2020 Service For : XXXX XXXX XXXX PIN # XXXX The collection agency has been made aware by me that they, AGAIN have been defrauded by a person/s using my social security number. 
The collection agency is ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX My wife and I have never lived anywhere other than the State of Washington, we have no Rental Holdings XXXX We do have residential history and XXXX XXXX XXXX XXXX that encompass the last 30 years and refute this debt. 

I have reported this incident to our local law enforcement agency, XXXX XXXX Sheriffs Department. 
The Citizen Report with tracking number XXXX has been processed. 

The formal report has been processed and filed with the XXXX XXXX Sheriff Department under incident number : XXXX. 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXXXXXXXXXX XX/XX/XXXX - {$5300.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$17000.00}
Product: Student loan

I was contacted my Navient, and offered the forbearance due to lack of funds at the time. What I was not told was how much they would be adding to my account to have payment delayed while I got my financials in order. Below are the details I received today. I also ask about how this loan was obtained considering I didn't have a XXXX   XXXX  diploma at the time. I did not complete the application and actually thought the school have received grants for the certificate I received. It was not known until I was done and missed a payment that I was informed that I have a XXXX balance. This school did everything and even had me take a test to get my XXXX XXXX  diploma after I started, which took me a couple of months. The loan was issued before I actually completed the online program for a diploma that I never even received in the mail and wants me to pay over a {$100.00} for a paper copy. At the time being young I did not understand, however now as an adult it is clear that fraud was committed for the benefit of XXXX XXXX XXXX. I have sent in appeals to navient, however they are always rejected with " missing info '' took the same form completed what was " consider missing '' not once but twice. Called to check the status and now it was never received and I need to complete a new appeal, for the third time. I am also a XXXX XXXX  and was denied to have my loans put into the forgiveness program. call regarding that and given another number XXXX, that keeps hanging up on me. 

Capitalized interest XXXX Monthly interest XXXX Daily interest XXXX Original loan balance XXXX Total interest owed now XXXX Total balance to date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquires made on XX/XX/2021 by JPMCB Card and XXXX XXXX and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my report.
Product: Debt collection

I received the attached notice from Jefferson Captial regarding a XXXX XXXX bill from over a decade ago, the last time i received correspondence I called and told them to stop sending correspondence as there is nothing they can do. They even state they can not sue, etc.