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

For years I have disputed XXXX XXXX XXXX with TransUnion, XXXX, and XXXX and have repeatedly asked for PROPER validation of debt from XXXX, as well as, asked XXXX, TransUnion, and XXXX to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. TransUnion, XXXX, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from XXXX XXXX XXXX. Furthermore, XXXX XXXX XXXX continues to make representations about unsubstantiated debt. I have asked numerous times for XXXX XXXX XXXX to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. XXXX XXXX XXXX did not provide the required disclosures when collecting on debts beyond the statute of limitations. XXXX XXXX XXXX committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when XXXX XXXX XXXX determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for XXXX XXXX XXXX to investigate the dispute.
Product: Debt collection

On Monday, XX/XX/2019, I received a voicemail from XXXX XXXX representing Allied Interstate LLC. On XX/XX/2019, I sent am email to Allied Interstate LLC indicating the type of contact made and my hesitation talking with anyone over the phone ( due to phone scams running amass this day and age ) without first receiving written correspondence. I also said in my email that XXXX XXXX ( collector ) called my phone before XXXX XXXX. The email responded asking for my phone number. I responded giving it to them. They then responded saying to call their agent at XXXX, seemingly to disregard my formal request for them to send me written information on the matter.
Product: Debt collection

Asked the company on XXXX and XXXX for a list of debts in writing, stating I never got a letter even saying I was going to collections. They refused saying " we just don't do that ''. Also asked me to borrow money from my parents and then tried to claim my tax return even though it isn't filed yet. I also asked for receipt of payment and was also refused, saying they only confirm a debt has been closed. Also asked to write a check and they refused to give me information to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.
Product: Bank account or service

Paypal has froze both my personal and business accounts since XXXX. The only response I have is " We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have dates of XX/XX/XXXX amount XXXX $ NELNET is the company name they have out XXXX separate loans in my name without my consent or knowledge. XX/XX/XXXX XXXX $ An XXXX XX/XX/XXXX XXXX $ This are all fraudulent because I never toke out any loans with this company
Product: Credit reporting or other personal consumer reports

I purchased a dryer from Conns XXXX XXXX in XXXX Texas on XX/XX/2023. I have had issues with them from the beginning starting with the installation. The installation was done improperly. I reach out to them to fix the problem but the never would send anyone out to correct the issue. On about XX/XX/XXXX I returned the dryer back to them because the would not fix the problem. XXXX months later they said that they have no record of me returning the dryer. 

They will not fix the problem and now have reported late payment on credit report which has damaged my credit rating. 

I need some help in resolving this issue
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute regarding fraudulent accounts that were opened in my name with XXXX XXXX XXXX and XXXX, which have not been removed from my credit reports despite both companies confirming in writing that they would delete them. Both, the XXXX and XXXX account has been falsely listed as a collections account, further damaging my credit profile. 

Details of the Dispute : Fraudulent Account # XXXX : XXXX XXXX XXXX ( Now Listed in Collections ) Fraudulent Account # XXXX : XXXX ( Now Listed in Collections ) Issue : I reported the fraud, and both companies investigated the matter and sent me written confirmation stating that they would remove the accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the market for a home last year. There is usually a grace period of 45 to 60 days where your credit is being pulled to compare rates and offers with multiple lenders. The point is to not have every individual hard pull affect your credit score This was not the case for me, in some reports I have about 7 to 9 hard  inquiries all within this span that should not have counted as individual checks on credit. 

I want to have these removed and the negative hit fixed from my credit report
Product: Mortgage

My Mortgage lender, OCWEN, has escalated my monthly mortgage/ESCROW payment from {$2.00}, XXXX to {$2700.00} ( a {$300.00} a month or {$3600.00} per year increase ). In addition, OCWEN has charged my bank account, XXXX, the increased amount without my authorization. ( Please note : Nothing has changed with my loan..I have been paying the same amount for XXXX months until OCWEN drastically increased my monthly payment ). 
I have called OCWEN repeatedly ( each time is an average of a 1-hour wait time ). Each time the representative indicated they could not provide an explanation over the phone ... they will need to do " research '' and they will call me back within XXXX time!. In XXXX, I finally got a hold of an OCWEN rep who indicated that " OCWEN has the right to increase my ESCROW payment if they felt it was too low '' without authorization from me. I did not agree with this explanation and indicated that I will not pay any extra amount until I get a satisfactory explanation. As of XXXX XXXX, OCWEN automatically charged my account the extra {$300.00}! There was no statement or anything that indicated they were going to charge my account this amount and certainly no written explanation. I spent another 2 hours on XXXX XXXX with an OCWEN " escalation representative '' who also could not provide an explanation over the phone. She attempted to indicate that it was my insurance that increased -- this is completely incorrect. She also said she would call in XXXX hours and I still have not heard from her. 
In addition, I called my back XXXX to indicate that my account was illegally charged by OCWEN and will be filing a formal complaint with XXXX as well. 
OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices. 
I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forward as I XXXX XXXX have reached out to Equifax in this particular case Equifax XXXX XXXX as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile and they have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts that have been fraudulently placed on my credit profile after a data breach yet to no avail.
Product: Debt collection

For several months now, I have been receiving harassing phone calls and collection notices from a collection agency named Commercial Acceptance Company, in regards to a debt that's owed to a fire station in the state of DE. I am quite aware of the debt, and it was included in a Chapter XXXX bankruptcy that was filed a year ago. I have told the collection agency this several times. I have also given them the name of my attorney, and the number to the bankruptcy trustee ; but for some reason they continue to harass me directly. Bankruptcy law is supposed to protect individuals from harassing collection agents. I included the debt in my structured repayment plan ; however this collection agency believes that they can operate outside the bounds of federal law. I am attaching a copy of the latest threatening collection letter I have received from Commercial Acceptance Company. It will be the first page of my attachment. You can clearly see their latest letter is dated XX/XX/XXXX. The rest of the attachment is my bankruptcy filing paperwork from XX/XX/XXXX. If you look at page 5 of the list of creditors, you'll find XXXX XXXXe XXXX XXXX  XXXX as the 5th creditor from the bottom. That is the original creditor that Commerical Acceptance Company claims to be collecting for.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and seen some information I can not verify so Im requesting you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts.

Furnisher : U.S Dept EDXXXX ( {$4100.00} ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA. 

Furnisher : U.S Dept EDXXXX ( XXXX ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA. Furnishe
r : XXXX XXXX XXXX. 
Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Balance unverifiable REQUESTED ACTION : I can not verify the balance on this account. Plese send me verification.

Furnisher : Dept ED XXXX XXXX with an original balance of ( {$2000.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA .

Furnisher : Dept ED XXXX XXXX with an original balance of ( {$3500.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against Equifax Data Breach Settlement Administrator, which payments were to come this fall, now they are denying my claim.There was an email that generated to me on XXXX XXXX about incomplete my claim being incomplete the documentation had be to be submitted before XXXX XXXX, which they were submitted XXXX XXXX before the deadline of XXXXXXXX XXXX.Checking my status on my claim here recently they denying my claim because of I did not send the traceable documentations, which is false statements.I sent in the amount for the claim up too the amount that was specified for my claim to be paid.Which I have to claims with Equifax Data Settlement Administrator which all the information was sent in that was traceable on XXXX XXXXEquifax Data Settlement Administrator has never sent me a notice that the information was not acceptable, but was accepted and there was an email generated that my documentations has been received before the deadline of XXXX XXXX of my claims shall not be denied.Equifax Data Breach Settlement was the one who chose the claim number that was chosen to send the information too.All information shall be combined that was sent in be combined with the other claim that has not yet been denied.The first claim I filed was XXXX XXXX, why did the Equifax Data Breach Settlement Administrator chose the claim filed on XXXX XXXX is way beyond my control.My claim shall not be denied due to the respect that the information was sent in on time and shall be combined with the other claim that is still under review,
Product: Debt collection

XXXX XXXX contacted my employers and family members about a payday loan from XXXX XXXX XXXX   from 2008 that he said was connected to an XXXX XXXX XXXX account. He said not paying the debt would result in damaging my credit that he knows Im working on and that I will have a judgment filed against me in court for {$500.00}. 

I am not only not aware of any debt but I havent had an XXXX account for 15 years. I also expressed my concern that he would call about a debt from 10 years ago. When I told XXXX XXXX I was concerned about fraudulent activity he condescended to me and said he would go to the police department with me. I asked him for XXXX XXXX XXXX information and he said he would have to email it to me. I told him this whole situation has me very concerned about providing my personal information so he declined to give me XXXX XXXX XXXX information. 

He also harassed my elderly father who has serious health isssues and XXXX XXXX told my father that I owed XXXX XXXX XXXX {$500.00} and that he would sue me if he didnt get in touch with me which caused my father to call me while I was at work because he was so upset by his conversation with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy chapter XXXX on all three of my credit reports, XXXX, XXXX and Equifax claim that the data furnisher for this bankruptcy is the United States Bankruptcy Court but I know that is incorrect, I contacted the Bankruptcy court where I live and I was told by the Clerck that the bankruptcy court do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another  company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy Court as proof.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with XXXX, XXXX and experian countless times with no luck
Product: Credit reporting or other personal consumer reports

In XXXX I received notification that my credit score dropped tremendously from Global Credit Union. I was confused and upset because this is my credit. I would like to file a complaint against Global Credit Union for incorrectly reporting that I was delinquent on my car payment. Despite the fact that my payments are automatically deducted on the first of every month, and I have proof of this, they still reported me as late. Additionally, I am stationed overseas in XXXX, where my insurance is renewed quarterly. Without informing me or adjusting my monthly payments, Global Credit Union added insurance to my loan, leading to a delinquency report on my credit. This erroneous report, which was actually for the added insurance, has significantly impacted my credit score. I have always made my payments on time and was unaware that insurance could be reported to credit bureaus under these circumstances.
Product: Checking or savings account

BBVA was acquired by PNC and I have not been able to access my account through BBVA or PNC. I have called several times over two weeks no one has answered or I have been on hold with the call just ringing. I have called on XX/XX/21, XX/XX/21, XX/XX/21, XXXX. I have tried accessing my account online through both BBVA and PNC. I am still not able to access my account.
Product: Credit card or prepaid card

This is in reference to a Barclays Credit Card, XXXX XXXX XXXX XXXX. 

I closed my credit card account on XX/XX/2018 after paying all outstanding charges. 

On XX/XX/XXXX I recieved an email that I was past due on this closed credit card. 

After contacting the company on XX/XX/XXXX, I was informed that on XX/XX/XXXX, a company called XXXX XXXX submitted a charge which they claimed was made XX/XX/2018. 

I tried to contact their fraud department but they did not pick up the phone after 20 minutes on hold. 

I do not have the credit card number since I cancelled the card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

15 U.S.C 1681 section XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has incorrect information on my Credit report. I went on line to file a dispute. 
I tried to log into my.equifax.com to file a dispute. I put in my information, the site said I had an account already. I do not recall creating an account with them. I clicked on " forgot password '', and it said it would send me information to my email. I checked my two email accounts that I currently use, and there was no login information. I called the help line, spent over an hour and a half on the phone, being transferred from one department to another. Talked to at least 4 different representatives who asked me the same information over and over again. I talked to the disputes department to try and file a dispute via the phone, he said he couldnt find my SSN. Each rep I talked to said they couldn't pull my information up with my Social Security number to reset my account. They kept telling me if I couldn't remember which email address, I needed to create a new account. I kept telling them that the dozens of times that I have tried, it wont allow me to create a new account, it just keeps telling me I already have an account.

I asked who can you refer me to when a problem needs to be escalated? The last agent said my supervisor, I will transfer you, she put me on hold and then she hung up on me.

They must have me in their system, I am attempting to refinance my mortgage. The mortgage agent pulled all three reports on Friday. Equifax was the only one that showed incorrect information that needs to be fixed.
Product: Credit reporting or other personal consumer reports

I got another credit alert from mDIGNIFI For {$5300.00} loan. Apparently opened on XX/XX/2023, but I think I had my credit frozen then so doesnt make sense as Ive been a victim of fraud on around that time already. 

Their number is XXXX I tried calling but it is a weekend. 

With my other complaint of amount around $ XXXX I did get police report. Please let me know if that info is needed as well. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX Synchrony Bank XXXX said they didnt receive my payment. Which was a lie. So I made a second payment. They posted the second payment and then XXXX minutes later posted the original payment. Which created a double payment. Which created a credit balance on my account. I told them to send me a check for the credit balance ( XXXX ) and they refuse. This is illegal. I am turning to you, Consumer Finance Gov to help ME get MY money back. This is a nighmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$23000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$31000.00}