23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Equifax aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked the Secretary of State Texas Debt Collections Division website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report please.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i submited a dispute to Credit Bureaus About XXXX XXXX Account an disputes has been under review status for almost 2 months which violates FCRA guidlines.
Product: Debt collection

I did not have the money to pay my XXXX and XX/XX/year> rent, therefore, I vacated the premises. I did not have a lease agreement and was paying month to month. The monthly rent was {$1200.00}. The late fees were approximately {$150.00} per month. Therefore, the amount owed is {$2700.00}, however, XXXX XXXX XXXX is attempting to collect approximately {$6000.00} via National Credit Systems Inc. I was XXXX  at the time and was unable to work due to medical reasons. I vacated premises XX/XX/year>.
Product: Debt collection

- I had XXXX internet services- Cancelled on XX/XX/XXXX - Returned equipment in XX/XX/XXXX - Received an email from XXXX thanking me for returning equipment on XX/XX/XXXX - Received multiple mails and calls from collectors about an equipment not returned - I dispute that on XX/XX/XXXX having and showing the proof of returned equipment. 
- XX/XX/XXXX got the last letter, stating that I have until XX/XX/XXXX, to dispute or pay. 
- XX/XX/XXXX Mercantile Adjustment Bureau LLC, flag my credit with a collection trade for {$100.00} - They did not honor the XX/XX/XXXX date and proceed before damaging my credit. 
- On XX/XX/XXXX I called the Collector company and they told me that I can pay but the mark in my report would not be removed but changed to paid. 

I think this is an abuse from the collector, not honoring their own letters. I dont want to spend more time for {$100.00} but I want the mark on my credit to be removed
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Debt collection

XX/XX/XXXX, I observed I had a negative report on my credit history, reported by XXXX XXXX credit card through a XXXX Credit card. I filed a dispute through XXXX  and a month later, XXXX XXXX  removed the report from my credit history. 

XX/XX/XXXX, I observed Midland Credit Management, had placed the same account in collections and had falsely reported it to my credit report. I contacted Midland via phone and by certified letter, disputing the account. I also explained what XXXX XXXX  had done and how they had erased the report from credit history. I was told that I owed the debt and that they would not remove anything from my credit history. I requested validation of the alleged account, which they advised they would send. 

By XXXX, I had not received anything validating the account, which I again spoke with Midland via phone and they stated they never received my letter requesting they validate the debt. The representative did advise they sent me the validation paperwork, to my current address, which the XXXX conversation with the representative revealed they had the incorrect addresses, I never corrected them, because in my letter it advised of my correct address. However, this conversation with the representative he all of a sudden had my correct address, which I asked how was it that he had my correct address if they never received my letter, which I received no response. 

Since XXXX I have sent two additional letters requesting for Midland to seize any collections attempt and erase the false information from credit reports, as they are negatively affecting my credit reports. I have not received any response from Midland.
Product: Debt collection

Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX17 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX17.
Product: Checking or savings account

Closing Bank info/relationship : XXXX XXXX  CREDIT CARD openedXX/XX/XXXX limit {$27000.00} BUSINESS INK CARD opened XX/XX/XXXX limit {$15000.00} paid in full and closed it reopened XX/XX/XXXX limit {$20000.00} PERSONAL CHECKING opened XX/XX/XXXX PERSONAL SAVINGS opened XX/XX/XXXX BUSINESS CHECKING opened XX/XX/XXXX BUSINESS SAVINGS openedXX/XX/XXXX All in good standings Shutdown all accounts was told they were terminating relationship and closing all accounts no further explaination available Tried calling customer service and given another number to call. Called that number and was told company policy is no reason needed to be given. Asked if can speak to someone to help and keep accounts opened was told could not. XXXX  SCORE Personal Info : XXXX : 750 # of credit lines opened in last 12 months across all banks / total credit lines : 3 Overall utilization across all credit cards as currently reported to the credit bureau : 10 % Total Percentage of CL to Income at the bank that shut you down : 18 % { Optional } Total debt ( student loans, mortgage, personal loans, etc. ) :11k MS Activity : 0 List all methods of MS used : None List volume of MS in the last 30 / 90 / 180 days : None Do you cycle your credit limits? No Have you deposited money orders into a bank account that you have with the bank who shut you down : No How do you usually pay your credit card bill? Online banking Have you changed the method by which you do so recently? No Ratio or percentage of MS compared to organic : 5 % Spending Behavior / 'Consumer Profile ' : How much organic spend were you putting on cards issued by the bank who shut you down?

I dont even know what that means but I just shop normally and only use my credit cards as needed or big purchases.

Have you ever sold the bank 's points to someone else? No Have you filed multiple chargebacks with the bank in the past 12 months? No Has this bank ever taken adverse action against you before? No Has any other bank? No Have you in recent history significantly increased or decreased either the level of your organic spend or MS ? No Do you have any new derogatory marks on your credit report? No Are you sure? Yes Have you checked since you were shut down? Yes
Product: Credit reporting or other personal consumer reports

Additionally, I believe you have violated the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ) regarding billing errors :
Product: Student loan

Fed Loan Serving has been calculating my qualifying payments that count towards Student Loan Forgiveness. There are a number of loans that state that I have made 94 or 95 qualifying payments, but there also a number of loans that state I have only made 83 qualifying payments. 

When I inquired about this discrepancy, Fed Loan Serving told me that " XX/XX/XXXX through XX/XX/XXXX you were under an Extended Fixed Repayment plan which is not qualifying for Public Service Loan Forgiveness. XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX were all under several periods of forbearance and are not eligible for Loan Forgiveness. '' I believe I have always been on the same repayment plan for all of my loans. I do not recall being on forbearance ( although my servicer was switched from XXXX XXXX in XXXX so I do not have records prior to XXXX ). 

I think the only difference is that I did pay ahead on some of my loans in XXXX and then continued to make monthly payments when I technically did not owe a monthly payment. However, I would like credit for these monthly payments because I was continuing to pay even when I didn't have to. It does not make sense to not give me credit for monthly payments because that is additional money that the federal government will not have to eventually forgive. I just want credit for each month that I made a payment.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY EQUIFAX XXXX XXXX CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have had credit cards issued by XXXX, I have had my accounts and she has had hers. The one in question went into default and shows up as I am an authorized user, I have never had a card issued for that particular account, they sent a card without my wife 's consent, she never requested and has called them numerous times to get it resolved. XXXX and XXXX has since removed it from my credit reports but TransUnion refuses to remove it even though I have requested several times.
Product: Checking or savings account

My bank card information was stolen and used for {$920.00}. I gave all the proof including a police report and information from XXXX. Chase bank still havent refunded me the money that was stolen out my account. The bank said they already returned the money back to XXXX so they cant file another claim. Chase bank said they are sorry they didnt have the police report. My account was never properly investigated. I gave a police report months ago and now the time has run out per chase bank and they cant submit the claim again so I can get my money back. Chase bank also didnt put the proper claim in per XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone ( unknown person ) opened a XXXX thru XXXX XXXX XXXX in my name for {$20000.00} I immediately called XXXX XXXX XXXXXXXX and they closed the card thru the fraud department. I looked up my credit report and it showed the hard credit that was made regarding this card. I called Experian and spoke with fraud department regarding this and put a freeze on my account. XXXX and XXXX had a lock on them so they didnt get thru to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstom/TD Bank is in violation of the FCRA 623. On XX/XX/XXXX, I put them on notice in regard to the errors in their reporting. This letter was sent via USPS priority mail. As of today, XX/XX/XXXX, I have yet to receive a response and the errors are still reported. 

The account with was opened in XXXX. TD Bank does not start reporting of the account 's payment history until the first delinquency event. This means all positive payment history prior to the late payment is not reported. This is a violation of the FCRA as the account must reflect accurate and COMPLETE information. I find it suspicious that the creditor can report any negative history, but for dates on which payments were made on time, it is reported as " no data available '' even if those on-time payments occurred in the same year as late payments. 

Additionally, TD Bank is reporting two accounts that are the same account but have different account numbers. Last week, I spoke to a representative in the credit department that stated that they were the exact same account. The second account is reporting positively to the credit file but is also reporting a balance that I do not owe. This information is inaccurate and despite my calls, and disputes through XXXX as well as my dispute directly to this creditor under FCRA 623, my rights have continued to be violated. 

The creditor had 30 days to respond to my FCRA 623 dispute and failed to do so. The law is clear in that they are required to delete the account under federal law. Clearly, that time has surpassed. I have attached the original letter sent to the address listed in my credit file.
Product: Debt collection

Calls before XXXX have been happening more even after i let them know not to
Product: Debt collection

I had a balance on my account with XXXX XXXX  for 2 months. I sent the bill to XXXX XXXX to pay because I didn't have the money to pay twice, I had lost my home. I had already made a payment and so my bank reversed the payment since it was paid by XXXX XXXX. XXXX XXXX has no way to talk with someone. Every time I tried to call, the automated line said they were closed, or when I got on the chat it would get disconnected. Long wait times. I understand that they don't have enough workers. But I'm also told through someone who went there to work one day on the wiring, that they have outdated computer systems and 2 people working there. This is not my fault that they can't get it together or that they paid the wrong account. One hand does not know what the other hand is doing, and I called multiple times and no one could figure it out and they would just hang up on me. So they sent it to collections?! This is ridiculous. I have never missed a payment in 10 years! XXXX  XXXX  paid my water bill and XXXX as well and they were paid with no mistakes. In this day and age, it is extremely stressful especially for a XXXX poor person to fight the system. I'm sick of being held responsible for other people 's mistakes. They added more money on the account after it was closed too. I gave the exact bill to be paid to community action. it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has XXXX XXXX as posted active XXXX balance.i have removal documents that shows account deleted.
Product: Credit reporting or other personal consumer reports

Several attempts were made to resolve the unknown, incorrect, and inaccurate information filed in the consumer credit report, consumer requested certification, verification and any XXXX reports generated by creditor, and proof of consumers written permission to report information to the bureaus. Neither the credit bureaus nor the companies were able to provide any of the information requested. The consumers personal information have been apart of several data breaches including EQUIFAX, since then several debt collectors have sent letters regarding account I never opened, in XXXX XXXX court cases were opened by debt collectors, a notice to defend was placed on each account, after which one was withdrawn and claimed to be settled ( no funds were received for settlement ), the debt collector for the remaining case refused to respond to any notices, messages, voicemails or letters regarding the case. The false, misleading and inaccurate information in the consumer credit report is harming the consumer credit score and hindering the consumers ability to obtain items needed to household goods and purposes. The fraudulent information is destroying the consumer credit worthiness and allowing others to become unjustly enriched from the misuse of the consumers accounts. An identify theft complaint and a security fraud alert were placed in the account. Items on the credit report that were removed, have now resurfaced without any explanation or notification from either the credit bureaus, or the companies.
Product: Credit card

Last spring I made several purchases at the Home Depot store in XXXX XXXX, XXXX, to make repairs to my winter home. I paid cash for several of these purchases, and used my XXXX credit card for others. Because a XXXX % -off discount was being offered as an incentive to open a Home Depot credit account, I applied and used the card to purchase replacement windows for my home. Soon thereafter, I returned to my home in XXXX. A change of address notification was filed with the U. S. Postal Service. 

XX/XX/XXXX, I applied for a mortgage loan and was appalled to discover that the Home Depot Consumer Credit Card had been reported to all XXXX credit bureaus as being delinquent. I immediately called Home Depot, and was able to reach a XXXX XXXX XXXX. XXXX XXXX identified herself as a customer service supervisor. 

I explained to XXXX XXXX that I had never received an invoice from Home Depot. Furthermore, I explained that I had made several purchases, and had paid them in full. Had I received an invoice for the Home Depot credit card, I would have been reminded of the debt and would have paid it. 

XXXX XXXX stated that it is Home Depot 's policy to send XXXX statements. After that, the account is considered delinquent, reported to the credit bureaus, and is subject to monthly interest and late fees. According to XXXX XXXX, no further attempts to contact the customer are made. However, because this was clearly an error in the forwarding of mail, XXXX XXXX waived all late fees and interest charges. She also stated that she would be notifying the credit reporting bureaus that this " delinquency '' was the result of the failure of the postal system. 

On XXXX XXXX, 2016, a letter was sent to me from Home Depot Credit Services stating that they are unable to change the information reported to the credit reporting agencies because it accurately reflects my account history. 

I am filing this complaint for XXXX reasons. First, because I believe Home Depot Credit Services ' policy of ceasing to attempt to contact customers while continuing to impose interest charges and late fees is unethical. Second, because Home Depot Credit Services - even at the supervisor level - failed to provide accurate information to both their customer ( me ) and the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the actions of XXXX and XXXX in light of the recent lawsuit filed against them by the Consumer Financial Protection Bureau ( CFPB ). The allegations of unfair and abusive practices outlined in the news raise serious concerns regarding the integrity and reliability of our credit reporting system. 

As highlighted, XXXX and XXXX have failed to uphold their responsibilities in providing accurate credit reports. This negligence not only damages individual consumers but undermines trust in the entire credit reporting industry. The allegations of misleading debt collection practices and the lack of timely responses to consumer disputes are particularly alarming. It is unacceptable for consumers to navigate a system that, instead of protecting their rights, exploits their vulnerabilities. 

Moreover, the implications of inaccurate credit reporting on individuals ' lives are profound. Many consumers have already faced the dire consequences of wrongful credit evaluations, including denial of loans, higher interest rates, and public embarrassment. The CFPB 's actions are crucial in addressing these injustices and holding XXXX and XXXX accountable. 

I urge the CFPB to pursue this lawsuit vigorously and to ensure that these companies are held responsible for their actions. It is imperative that we create a more equitable credit reporting framework that prioritizes consumer rights over corporate profit. 

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

A credit card was opened in my name with XXXX on XX/XX/2022. Experian has " investigated '' and said that XXXX confirmed the information to be correct which it can not be as I have contacted XXXX and they have an open investigation open. They told me they tried to change the address on the account to somewhere in XXXX, I live in XXXX XXXX  and my previous living was in XXXX XXXX and XXXX XXXX. I never applied for credit or checking or savings with XXXX and I don't understand how this information could have been verified with an ACTIVE FRAUD investigation underway.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and dakota financial llc run my credit without my approval, i only authorized XXXX XXXX XXXX to run my credit.
Product: Mortgage

I applied for a loan modification with Dovenmuehle Mortgage which was approved per the attached and the terms of the modification were met. I was to make trial payments XXXX, XXXX and XXXX and the modified loan was to take affect. This never happened and I received NEW documents to apply for a loan modification dated XX/XX/2021 when there was a modification agreement in place and the terms were met by me. The current status is that I am unable to make any payments on the modified loan and unable to make payments at all and am trying to figure out why the mortgage company has reneged on the modification agreement. I am a XXXX vet with XXXX and the first agreement was difficult enough providing the necessary documents and filling out the paperwork, now this company has seemed to have cancelled the agreement in place and requested I apply for yet ANOTHER modification and XXXX my account in that I am unable to make any payments. I feel they are deliberately trying to push me into foreclosure despite their previous agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaints to these CRA 's over 30 days ago and I have been told several times over the phone that they have not received my complaints so I am attaching them for confirmation that they actually receive them and do investigations this time. 

These CRAs think that they are above the law and do not have to comply with Fair Credit Reporting Act nor XXXX XXXX Compliance Standards. Their credit reporting is not fair nor equitable for the consumer being reported on.
Product: Student loan

I attended the school for 3 weeks never received a certificate nor any knowledge. It was overpriced and I withdrawn from the school due to lack of education. I was told that I would not be charged and a year later I was called and charged a year later. I asked for documents supporting this charge and never received nothing. I went to the school and they said nothing could be done. I told them and the financial department i will not pay for something i didn't received