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

I have had an issue before where a car dealer told me my Equifax account was locked and they could not get a score from them. I tried to resolve it over the phone but I was never able to get it unlocked. It cost me an extra {$1000.00} down with the car dealer to complete the transaction. It is now about 3 years later and I am applying for a Home Equity loan with XXXX. XXXX is telling me there is a freeze on my Equifax score. I have never requested either a lock or a freeze on my account. I find this to be extremely frustrating and invasive to my financial security. I have never received a letter from Equifax about any matter ever and I am unable to LOGIN to my online account. The website does not adequately provide a reasonable way to reset my password it simply spins you in circles and you get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX  XXXX as of XX/XX/2021 ; XXXX account shows XXXX balance ; Has been reported as delinquent to all XXXX credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!
Product: Debt collection

in accordance with the Fair Credit Reporing Act this creditor has violated my rights under 15 Usc 1681 section 6o2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a 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 for any purpose I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt nor therefore any such debt in fact exists|
Product: Credit card or prepaid card

I had a problem with this company before, but my problem now is i cant afford i cant afford the fees, late payments etc. I work at a XXXX  and we have unpaid vacations and hard to catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with all XXXX  credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports
Product: Student loan

I have paid my loan in full to my loan servicer, EdFinancial Services. However, I have chosen to request that approximately {$10000.00} of my loan payments be refunded to me per my right through the CARES Act. Between XX/XX/2022 and XX/XX/2022, I have made 13 phone calls to EdFinancial making my request known only to be met by vague and unhelpful responses from employees. Answers from EdFinancial have ranged to the effect of it's being processed '' to " we're unsure we'll be able to honor your request by the end of the year '' to " because your account is closed, we are having a difficult time moving forward. '' My previous 6 calls as of XX/XX/2022 have all been immediately disconnected by EdFinanicial. I am unsure whether it is incompetence or purposeful obstruction being committed by EdFinancial but they continue to fail to meet the mandate of the CARES Act.
Product: Checking or savings account

I have for all of XXXX and XXXX been unable to process ACH transactions online. Whenever I tried to submit an ACH transaction, my business checking account has been locked as part of security fraud protection. I have on several occassion and in much debt talked to the banks IT department, security department, business department, and local branch. Nobody has been able to resolve the issue for me. Instead I have been advised to use in branch wire transactions. Using wire transations have cost more more than {$1000.00} in service fees with the bank ( {$40.00} per wire + {$11.00} mailing fee per wire ). This is in comparison to ACH transactins which are part of the advertised service that come with my account for {$1.00} per transaction. The bank in unable to resolve the issue and is unwilling to waive the incurred wire transaction fees either. The services advertised to me are false advertisement and I have not been provided a reasonable solution to the problem
Product: Debt collection

Indigo Mastercard reported an invalid amount to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/XXXX, I pulled a hard copy of my credit report, and noticed hard 24 inquires on my Transunion report. I submitted a 2nd written request by mail for Transunion credit Bureaus on XX/XX/XXXX to send me copies of the documents that the company has used to verify the accuracy of the account. I have been dealing with Transunion over a year, and they have not looked into my credit report. I have not received any recent letter from Transunion regarding the investigation of the 24 Inquires on my report. in over 30 days from the date of the letter I sent to them. " " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract.

As I've stated above, the Transunion credit Bureau did not provide me with any verifying documentations. 
Hard Inquires-File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on the reporting Credit Bureau, Transunion. Thanks so much for looking into this important matter.
Product: Credit reporting or other personal consumer reports

I was the victim of a data breach in the equifax lawsuit and due to this, there are a ton of soft and hard inquires on my credit file that I dont recognize and didnt authorize. Equifax has not allowed me to dispute these items and they are as follows. Progressive insurance, XXXX XXXX, XXXX main and credit XXXX. I have already disputed target and awaiting there prompt response. This has caused extreme set backs regarding moving forward financially and applying for much needed assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted a letter to transunion about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.
Product: Money transfer, virtual currency, or money service

Coinbase.com has disabled my account and I no longer have any access to XXXX in assets. The account shoes that I can not be reactivated until I make a payment of {$0.00} There is no option to make this payment. I have emailed support for 2 weeks now with no response. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in 2024. I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Account XXXX : XXXX Account XXXX : XXXX Reason : Unverified account
Product: Checking or savings account

Hi, I called today at noon with a question of deposit a check with my former name. The customer rep asked me 6 questions to authenticate my identity, from which I may missed out one or two. The phone hung up then I called again with a similar process, this time, she asked me more questions with no disclosure the purpose of these process. In the end, I spoke to a supervisor for my unsolved question. I spoke to XXXX and verified my account. Then I discovered my account was locked and could not be resumed. The account technician called me back later in the afternoon with 12 questions, and lastly he said I had a security question, which he could not read clearly. He insisted my account remained locked. This is unbelievable - I have my paycheck and stock trading with this account, over 20K assets in there. THIS IS A SCAM. I am looking for cfpb to step in and resume my lose.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Hello I wanted to filed a complaint Against Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, wa, XXXX. I wanted to start off to say that this was not the original creditor of my debt. In XXXXXX/XX/XXXXthis debt went into collections. I hired a credit repair company and the debt of {$1000.00} came off my credit because of inaccuracies in regards to the debts amount being inaccurate. In XX/XX/XXXXConvergent outsourcing buys the debt and starts to send me letters in regards to the debt. I told them verbally that the amount of the debt they are asking is incorrect. I only made 1 verbal contact with the company. Last year Convergent outsourcing started to report the debt to my credit. There are two problems here # 1. Convergent outsourcing started to re-report the old debt with the incorrect balance. # 2 in efforts to collect this debt they also reported a bogus delinquency date to make it look as though this debt was new. I disputed and disputed and they are still making claims that this debt is valid. When I asked for them to provide paperwork on the debt showing that I owed {$1000.00} they sent me a letter with supporting documentation totaling {$150.00}. I wrote them a letter to report the correct information to my credit and still I receive no valid information. I think that Convergent outsourcing is buying old debt account and placing them on peoples credit like they are new accounts in order to allow them 7 years to collect even though they are purchasing  accounts that are 4 years old. At the time they put the debt on my credit it was 4 years old and they reported as new. Please look into this company. 

Thank you
Product: Debt collection

I dont own this company anything and the credit bureau are in violation I will be filein lawsuit in 15 days if not deleted Credit Account Numbers : XXXX and XXXX ) from my credit report. This demand follows Experian 's repeated failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ), despite numerous disputes and clear evidence of inaccuracies. 
Violations of FCRA : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : - How Violated : Despite my disputes, Experian responded with " verified as accurate '' without providing documentation of verification. Under the FCRA, Experian is required to conduct a thorough reinvestigation of any disputed information. 
- Penalty : Up to {$1000.00} per violation for willful non-compliance, plus actual damages. 
2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : - How Violated : Both accounts remain inaccurate, as evidenced by the discrepancies in Experian 's reports before and after the disputes ( e.g., inconsistent payment history and account status ). - Penalty : Actual damages caused by inaccuracies, plus up to {$1000.00} per willful violation.

3. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : - How Violated : Unverifiable information must be removed within 30 days of a dispute. My disputes have been unresolved for over six months without corrections or deletions.

- Penalty : Damages, including attorney fees, and costs for negligent violations under 15 U.S.C.

1681o.

4. Negligent and Willful Non-Compliance ( 15 U.S.C. 1681n and 1681o ) : - How Violated : Repeated failures to correct or delete inaccurate information and refusal to provide proper documentation demonstrate willful negligence.

- Penalty : {$1000.00} per violation, punitive damages, and legal fees.
Product: Credit reporting or other personal consumer reports

TRANSUNION : XXXX loan balance XXXX XXXX  previously managed by XXXX remains reported by Transunion even though it was transferred to XXXX in XXXX XXXX. Transunion still reports the debt from BOTH loan managers doubling the amount as XXXX XXXXXXXX, affecting my credit score. 

I filed a dispute through my XXXX account, and Transunion responded with, " ... the information is correct. '' XXXX, on the other hand reported the transferred loan amount accurately within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, PennyMac Loan Servicing, account XXXX, has violated my rights. 

15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681, SECTION 604 a SECTION 2 : It also states a consumer reporting agency cant furnish an account without written instructions.

15 USC 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

XXXX XXXX is reporting a negative report on an account that is outside of the 7 years statute. According to the report the original delinquency was XXXX 2010. 
XXXX XXXX XXXX XXXX is also reporting negatively for a delinquency they show reporting from XXXX  2010. 
XXXX XXXX is reporting twice on My report. Also showing accounts that show delinquent from 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call Monevo, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to XXXX and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for Monevo to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! Monevo did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In a Consumer Credit Report from Equifax dated XX/XX/XXXX is shown the following : 1. XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. The XXXX XXXX XXXX XXXX obtained a consumer report about me on XX/XX/XXXX I have no account with any of the inquirers, I did not authorize any of the inquiries, I have a permanent security freeze in place on my file, and have opted out of promotional lists since XX/XX/XXXX. Also, there should be a permanent fraud alert on my file.
Product: Debt collection

A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all 3 bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is Midland Funding and their acct number is XXXX, also is XXXX XXXX XXXX XXXX and their collection company XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. 
XXXX XXXX Opened XX/XX/2023 {$1300.00} I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S. Code 1681b 2 company has permission to report my information per 15 usc 16814
Product: Money transfer, virtual currency, or money service

I had transferred XXXX over to a XXXX account given to me by a seller which was supposed to sell me an XXXX XXXX plus I haven't received XXXX XXXX plus I haven't got an email that is going to be delivering and I have been scammed and I know XXXX which is the payment are used when not refund me back my money and if I contact the bank I know that they will not be willing to give me back my money the only way I can reach out to them for them to give me a courtesy refund is for me to contact the Consumer Finance which I'm doing right now
Product: Checking or savings account

I lost my phone I was changing my number when I noticed my account was negative.Someone charged a bunch of charges to my account.so much my account sits minus.I 've be n trying to dispute charges.My name is XXXX XXXX and it is Chime Banking.Chime Banking says it was XXXX XXXX or something like that.thank you
Product: Credit card or prepaid card

i never received an item from XXXX  they refunded my card nad now the charge shows again i emailed XXXX they say they refunded money end fo XXXX yet XXXX shows up on my upromise card i emailed 10 times i get scripts no help and its till there i will not be using either barclays card for some time due to poor service refund XXXX as to XXXX XXXX XXXX, i want XXXX back from steemer for poor service not delivering on what i asked they said they would BEFORE i agreed to purchase which is a form of deception since neither are done i am unable to use both cards. I resent them email from XXXX as to XXXX on upromise still no refund. help
Product: Debt collection

I moved out of the apartment on XX/XX/XXXX the debt collector of this account was given my information on XXXXXXXX XXXX XXXX I was never taken to court for any damages or late fees it was only sent to the collection agency. XXXX XXXX XXXX  in XXXX Mississippi. I do not owe this collection and I would like it to be removed off of my account cuz I have no contract or agreement with this collection agency that has my information and if I owe them for any late fees or damages the landlord should have taken me to court in front of a judge to get this collection paid if I owe it. Why would you send it to a collection agency 4 days after I move out without notify me of any late payments or damage fees. I do not owe this company.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00}.