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

I've recently pulled my free annual credit report from Equifax. I've learnt that XXXX XXXX pulled my " hard '' report in XX/XX/2017. I understand that this negatively effect my credit score. I disputed this information via Equifax 's website. Upon receiving an email that my dispute was completed I called to find the results, since Equifax 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with XXXX  and I've never opened one - they won't talk to me. And in addition, Equifax released my credit information to XXXX   without my authorization. Therefore, Equifax should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with XXXX, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from XXXX. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.
Product: Debt collection

Hello, I have disputed this account with XXXX and XXXX as not mine. In return they came back with their investigation stating this account has been verified, In return sent a letter to Metro Collection Svc. requesting validation of this debt via Certified letter with no response, I again wrote and disputed with XXXX and XXXX. They stated this account has been validated to be correct. I have not been given any proof of this debt, I do not know who Metro Collections is nor the original creditor XXXX.
Product: Payday loan, title loan, or personal loan

Attached is a letter I received from Debt Recovery Solutions , LLC dated XX/XX/2018 on behalf of XXXX XXXX. The letter stated the account was purchased from XXXX XXXX. They are requesting that I pay {$640.00}. I stated to them that I did not take out a pay day loan from XXXX XXXX or from any other pay day loan company. I called Debt Recovery Solution, LLC and spoke with XXXX on XX/XX/18. I tried to explain to him that I do not owe the money because I did not take out a pay day loan from this company. He was very rude and aggressive on the telephone. I state to him that I was going to contact the CFPB and file a complaint on the company.
Product: Debt collection

I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company.
Product: Checking or savings account

Discover is denying my application over the phone & an agent told me Im welcome to keep trying but most likely if it denies first time itll keep denying .. now Im confused as to why Im being rejected entry I had an account with discover last year & was closed due to unauthorized logging & suspected activity & was informed by an agent that I can just open up another account with my same information & get approved so why is my application being denied
Product: Debt collection

I have written many letters to the Ombudsman, Student Federal Aid, which work in concert with each other because I have e-mail to prove it. When I prove them wrong and ask for specific information, This alleged debt is passed of t the next debt collector. XXXX XXXX /XXXX XXXX from National Recoveries Inc . 
Was clearly instructed to provide a license number to collect a debt in the state of Michigan and California. National Recoveries has not provided any license number.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES CONTIUNE FREASH DATA REPORTING FRAUD ACCOUNTS AND NEVER DONE BUSINESS WITH COMPANIES, ACCOUNTS OUTDATED
Product: Debt collection

They keep calling me at work. The number provided in this complaint is my work number. They always call from a random robo-dialed number and I try to block them. I have no idea how they got my work number as it is unpublished. All of my work communications are done through email. I never give my number to anyone. If someone requires a work number, I always use our company switchboard to an operator. They shouldn't be calling me at work anyway. I don't recall ever receiving anything in writing from this company. They just started calling me on my cell. I never answer calls from random numbers. If it's important, they can leave a message. I check all phone numbers and their number always returns results from XXXX as Scam Debt Collector.
Product: Debt collection

XXXX is reporting a collection debt from Louisiana Recovery in the amount of XXXX. I sent a certify letter on XX/XX/XXXX. I explain this is not by debt. I did n't have any XXXX. 
XXXX responded saying this is my debt. 
I sent a certify letter to the collection agency Louisiana Recovery Service, asking for a itemized bill with a breakdown of the services rendered. 
This letter was sent on XX/XX/XXXX. 
As of today, I have n't received any communication in regard to the services rendered.
Product: Debt collection

I applied for credit a few months ago and was denied because of an account on my credit. I have since written several dispute letters to Commercial Acceptance and they have never sent me any validation of any type. I have not heard from them at all. I do not know why they are on my credit, I have never applied for credit with them, and they have repeatedly denied my rights of debt validation. PLEASE HELP ME!
Product: Credit card or prepaid card

Cashapp has received 30 deposits from the government UI office of Ga and will not add the funds to my account On XX/XX/2020 26 deposits were sent On XX/XX/2020 4 deposits were sent Totaling {$9800.00} I have emailed cashapp over 40 times and they keep saying they are working on my issue It has been going on a month and still I dont have my money Please help us We are being evicted from our home and our auto insurance has been canceled because of this Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted a request to remove XXXX XXXX from my credit report to XXXX Credit Reporting due to this account being over XXXX XXXX XXXX, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see it this is actually an account that belongs to me.
Product: Checking or savings account

I was in the XXXX, I was stationed in XXXX when I opened a Navy Federal Credit Union Account. I applied for a motorcycle loan and was approved, then changed duty stations to XXXX XXXX Texas. While at XXXX XXXX Texas I ended up being incapacitated, suffering from physical and mental illnesses that restricted me from taking care of myself on a physical, mental, and financial basis. With all of this being said, I now had family members taking care of my finances or supposedly taking care of all of my finances. After years of trying to rehabilitate and integrate back into the military as a soldier, I was eventually XXXX  XXXX and i'm 100 % totally and permanently XXXX. I eventually went into Navy Federal to open my account back up in which I was informed that a loan was not paid in my name and that I could not open an account. I really valued Navy Federal and did not know that an account was never paid off. Either I did not know because the proper steps to inform me was not taken or because of the medical situation that left me unable to perform in the proper mental capacity at the time hindered the people taking care of my finances from knowing how or what to pay. I really would like this all to be fixed as it is not to the fault of myself and the unforeseen physical and mental problems I endured at the time. I just want my account back because i'm a great customer and a great person. I've called and tried to give my explanation in which there was someone who tried to help but transferred me to a supervisor who was completely non-empathetic to the fact that a person could have died and had to rehabilitate themselves as a reason to help due to extenuating circumstances.
Product: Debt collection

XXXX XXXX XXXX XXXX % AmSher Collections : On XX/XX/2021, from Social Security XXXX XXXX, which was reversed back due to claim file too soon for active payment. XXXX XXXX XXXX employee Insurance or payment coverage of medical treatment payment costs difference of {$1700.00}. 
I discovered collections notice today. Please investigate due to bill cost and reconciliation. XXXX XXXX  account billing stated that " collections and SSN XXXX would be notified-not to worry ''.
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX Account # XXXX U.S. BANKRUPTCY XXXX REF # XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX, personal XX/XX/XXXX has violated my rights XXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX ( Reseller ) XX/XX/XXXX has violated my rights. 
XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX has violated my rights. 
XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 Section 602. States I have the right to privacy. 15 USC1681 section 604A ( 2 ), it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX  The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting
Product: Checking or savings account

My name is XXXX XXXX I had been using chase bank account ( jp morgen ) they suddenly close my acnt with knowing me they have sent mail why they close but as per they said I didnt do anything or illegal stuff for it they can find out if I did now almost 3 week I didnt get my money back I had over XXXX $ money I linked this account to my all credit card now I dont have any account so that credit card payment is overdraft now when I called them ( end of XXXX ) they said they gon na send my money within 5-7 business days now already 3 week one of my app ( XXXX XXXX XXXX ) I use to send to money for XXXX XXXX I had to pay them XXXX $ now they give my information to collecting services and credit cards overdraft and I asked whats the reason for close it they said this is chase bank policy but I didnt do any wrong I need big lawsuit because I got hurt lot
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Telecheck on XX/XX/XXXX, regarding a check that was returned to XXXX XXXX  XXXX Books. I was told the amount, however, I lost the name of the credit agency that now has the returned check. That check was written in XXXX. 

I called back on XX/XX/XXXX, and the representative told me she did not have a file for me with XXXX XXXX  XXXX. She did say that she had a file from XXXX for four items. XXXX does not take checks. XXXX made an error in an order I placed and they never DELIVERED the items. The items are {$19.00}, {$15.00}, {$8.00} and {$10.00}. They have attached a fee of {$100.00} to the bill. This is {$25.00} per check. I spoke with XXXX and they said that I did not receive any goods from them and they do not accept checks. My checking account number has been removed from my XXXX account profile. I have no idea why it was there if they do not accept checks. 

Telecheck told me to call XXXX and I have contacted both with no resolution to my issue. This is compromising my ability to open a bank account as well as use a merchant debit card-such as XXXX  etc. I need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its repeated failure to properly investigate and resolve my credit disputes. My most recent disputes, filed in XX/XX/XXXX and XX/XX/XXXX, was not adequately investigated, and Experian failed to update my credit report accordingly. Unfortunately, this is not the first time I have experienced such issues with Experian, and their ongoing disregard for my consumer rights is not only concerning but, as I understand, part of a larger pattern of behavior that has been addressed by the Consumer Financial Protection Bureau ( CFPB ).

As you may know, the CFPB has previously sued Experian for unlawfully failing to properly investigate consumer disputes. The CFPB 's lawsuit alleges that Experian does not take sufficient steps to intake, process, investigate, or notify consumers about disputes, which often results in the inclusion of incorrect information on consumers ' credit reports. The inaccurate reporting of consumer information, such as I have experienced, directly threatens consumers access to credit, housing, and employment. This is a serious violation of consumer rights, and I believe Experians repeated failure to comply with legal requirements is continuing to cause harm to my credit and financial well-being.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Experian are legally required to conduct a reasonable investigation when a consumer disputes information on their credit report. Yet, despite my efforts to resolve these issues, Experian has failed to fully investigate my disputes, leaving erroneous information on my report that is negatively impacting my credit score, access to loans, and financial opportunities.

As a result of Experians repeated failures, I am experiencing significant financial hardship, including higher interest rates, limited access to credit, and increased difficulty in managing my financial responsibilities. I am not only facing monetary damages but also emotional distress and inconvenience as a result of their actions.

Given that this issue is part of a broader pattern of negligence on Experians part, I am formally requesting that the Consumer Financial Protection Bureau take immediate action to resolve my case. Specifically, I request : 1. The immediate deletion of the inaccurate information from my credit report.

2. Compensation for the financial harm, emotional distress, and inconvenience caused by Experians continued negligence.

3. A thorough investigation into Experians practices, with the goal of ensuring compliance with the Fair Credit Reporting Act and consumer protection laws.

If Experian fails to respond to this request and provide the appropriate compensation and corrections, I will have no choice but to pursue further legal action to address the damages I have suffered.

Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.

Sincerely, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an agreement with XXXX XXXX to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told XXXX XXXX could not help me. I was told by the collection agency that they would report it as paid to XXXX XXXX and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.
Product: Student loan

I bought a house XX/XX/2016 while I was enrolled part time in college. I called Navient to find out if I could lower my payments due to the change in my budget. Mind you I was paying for college classes out of pocket. They responded that I should go into forbearance temporarily and then they would lower my monthly payments. They gave me no other options. I agreed because I could not afford the high payments and did n't want late fees. It angers me to find out they profited even more by backing me into a corner to choose forbearance. I should have been offered an income based repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX  notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. Equifax and XXXX  have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of Equifax, XXXX  and Credit XXXX  are all flawed and are not setup in a way to be accurate and fair to its consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a formal letter was sent to Transunion and XXXX requesting verification of a bankruptcy appearing in my credit file. I received a letter back on XX/XX/XXXX, from Transunion indicating this bankruptcy was verified as accurate. 
On XX/XX/XXXX, I contacted the credit bureaus and spoke with a representative about the " alleged '' bankruptcy and was informed that they would reopen the investigation. 
On XX/XX/XXXX, I contacted Transunion and XXXX again to inquire about the resolution to the " alleged '' bankruptcy and was informed by XXXX XXXX at Transunion in XXXX that the bankruptcy was " verified '' by a 3rd party professional entity and that the " alleged '' bankruptcy would remain. I requested a copy of the signed " alleged '' bankruptcy petition be sent to me or whatever documents Transunion and XXXX used to verify " alleged '' bankruptcy ( because XXXX, XXXX XXXX, and XXXX are not reporting the " alleged '' bankruptcy ) and was advised they did not have actual verification documentation they could send as proof of verification. 
On XX/XX/XXXX, I mailed another letter to Transunion and XXXX requesting a copy of any documentation used to verify " alleged '' bankruptcy as this is my right as a consumer according to the FCRA Section 609.
Product: Credit reporting

XXXX Account # XXXX PAST DUE {$73.00} Equifax is showing that I am past due {$73.00} XXXX and XXXX are showing the correct and proper way.
Product: Credit reporting or other personal consumer reports

I have sent certified letters with tracking information to Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Synchrony Bank. Synchrony Bank has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, Synchrony Bank has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question