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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX I had a revolving debt from XXXX XXXX XXXX XXXX to which the balance was about {$1200.00} at the time and went to collections. Discussing it with the Collection Agency at the time we had resolved it with a settlement of about {$880.00} to rid of the account and have it off of my credit report. After 3 years I was recently hit with a surprise on my credit report that this account is still in a collection status and is {$1700.00} and has been revolving with about XXXX different collection agencies. What I found very odd to this situation though is Ive never gotten a notice through my mailing address and when the collector sent me a link with this balance I noticed they have a different mailing address. I tried disputing it but they disregarded it since it was associated with my social security number. I clarified that Im not denying ever having this account but it was paid with the collection agency at the time. I tried finding emails in reference to help my case but its been 3 years and I wasnt expecting to hold records for something that was suppose to be said and done. Tried reaching out to the bank institution that I was with at the time to go through billing statements but it comes with a large fee to get access and Im not in a position to spend that type of money so frivolously. My back is cornered and need help resolving this because this is effecting my life goals at the moment
Product: Credit reporting or other personal consumer reports

This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every 40 days for over the past year, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 I contacted XXXX as a result of identity theft and inform them that I have not received no credit or any phones from them and that they needed to correct my credit report as they have denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails when I try to login to my account to temporarily lift a credit report freeze. 
I have had an account with them as well as with the other credit report services for several years. On Equifax I enter my correct username and password and I get : " We are temporarily unable to complete this request. '' Today I finally called Equifax, wasted almost an hour on hold and talking to an agent. I described my problem to him. He claimed he would try to fix the problem, gave me a new password, which made no difference. He then said I should try online later, but said NOTHING about their system being down. Later, I found out on a site other than the Equifax web site that : " By our records, Equifaxs system has been down since mid-XXXX XXXX " The Equifax agent should have said something instead of wasting my time. 
I should have been able to lift the Equifax freeze online as I did with XXXX  and XXXX, wasting little time. 
The Equifax agent did lift the freeze on the phone, but Equifax customer service is useless.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the civil liability under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) as outlined in your correspondence regarding the claim or alleged violation of the FCRA. After reviewing the details provided and my own records, I believe that there may have been an error or misunderstanding concerning this matter.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXXand XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXX on my credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account should not be currently reported as collection account, as it is paid and closed. Should not be reporting as a collection account as the creditor assigned this account to a collection agency. Account is paid and closed, and not a current collection account. Also, account was supposed to be placed in a medical hardship status. Thank you.
Product: Credit reporting or other personal consumer reports

I take my financial privacy very seriously, so I was frustrated to see multiple inquiries from your company on my credit report that I never authorized. I have never applied for anything with your company, and I have no idea why these inquiries are showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that XXXX is apart of the reason my data has been compromised as I was one of the victims of there companies major XXXX data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.
Product: Debt collection

On XX/XX/XXXX when a financial company ran my credit report at my request I found out that MIDLAND FUNDING is claming that I owe them money and I reporting a collection on my credit report. I was told that MIDLAND FUNDING is a collection agency who usually handles XXXX XXXX. They're stating that collection account was opened on XX/XX/XXXX on the amount of {$420.00}. During all these years I never received any letters, any phone calls or any form of communication from this company in their attempt to collect the alledged debt from me. All these years I was fully covered by the medical insurance provided by my employer and prior to that I was under Medical. I am unable to provide any letters to support my claim since MIDLAND FUNDING never made any attempt to contact me. This company made no attempt to reach out to me since this is not my account and they are wronfully reporting this on my credit. They are predators taking advantage of people like me who do not know how and that they can fight back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information being reported by all three major credit reporting agencies : XXXX, XXXX, and Experian. The account in question is identified as XXXX, XXXX the account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a 2 ( i ), consumers have the right to dispute inaccurate information on their credit reports. I believe that the late payment reported for XX/XX/2023 on my account is erroneous and in violation of my rights under the FCRA. 

According to my records and the terms outlined in my agreement with XXXX, there were no late payments made for the specified period. The credit report in question clearly states that a consumer report does not include transactions, specifically my payment history. Therefore, any indication of a late payment is incorrect and requires immediate rectification. 

I kindly request that the credit reporting agencies investigate this matter thoroughly and update the status of my account for XX/XX/2023 to reflect an on-time payment. Furthermore, I urge you to take the necessary steps to ensure that accurate information is reported in accordance with the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. 

Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit reports. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of this inquiries were not authorized by me. 

CAP ONE AF - XX/XX/year> XXXX COAF Auto Financing XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITALONE - XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was charged {$31.00} fo an XXXX. On XX/XX/year> they charged me an extra {$32.00} for the same transaction. A difference of {$.00}. At first I didnt notice this but, when I looked back this has been happening for months. I have not been refunded my funds or given any more information about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX I did not authorize this account
Product: Debt collection

I, XXXX XXXX, Do NOT give XXXX Bank my lawful authority to furnish my nonpublic personal information and XXXX Bank shall be fined under the Gramm-Leach-Bliley Act for noncompliance and not comply with the rules according to the Act, which in fact in {$100000.00} ( Per Violation ). I am demanding XXXX Bank to stop furnishing my nonpublic information I revoke any consent as of XX/XX/2022, and XXXX Bank shall be criminally held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND XXXX REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX  SC XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.
Product: Credit card

Please contact XXXX XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB to tell her to contact all three credit reporting bureau to let them know that my Discover card account is closed and to get rid of the dispute status showing on all XXXX credit reporting bureaus. 

On XX/XX/XXXX, we received notice that you filed for XXXX  XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX, your account charged off with a balance of {$4700.00}. Your current balance as of the date of this letter is {$4200.00}. You may contact our Customer Assistance and Recovery department at XXXX if you would like to discuss your account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple written requests addressed to the Credit Bureaus for them to conduct an investigation and have the disputed items removed from my Credit File and the last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. But despite all my efforts to attempt the removal of the fraudulent information from my Credit Report, the Credit Bureaus did not paid attention to my disputes. The Credit Bureaus had clearly violated the FCRA section 605b which states that the Credit Bureaus are required to remove any accounts and information that the Consumer considers as items resulting from an Identity Theft. I an disappointed to see that the Credit Bureaus are not only ignoring my letters but also violated a Federal law. Though it tempts me to pursue legal actions and sue the Credit Bureaus for the actual damages done, I will be giving the Credit Bureaus one more chance to correct my Credit Report by removing the following disputed items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a dispute letter to XXXX XXXX and Equifax to inform them of account XXXX XXXX  XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to XXXX XXXX and Equifax to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to XXXX XXXX, and Equifax to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to XXXX XXXX, Equifax and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/2022, 21 transactions ( {$100.00} for each transactions ) from XXXX were processed on my Truist credit card that I didn't authorize. I was notified via a text alert, asking if I authorized the transaction. I responded 'NO '. The transactions went through anyways. 

After spending 3 months in their investigation, they finally informed me that those are valid transactions and I'm responsible for those charges about 2 days ago. I did not make those transactions and I also filed a police report for the incident. 

The amount has been deducted from my bank account through auto-pay and Truist refused to credit those charges back to my account.
Product: Bank account or service

Went to a bank PNC yesterday but day before yesterday I went to store, on XXXX #, XXXX XXXX XXXX ) XXXX ) XXXX at XXXX branch I had {$180.00} XXXX yesterday told at XXXX Branch I had only {$34.00} (? ) XXXX $ (? ) Left, I already have other disputes pending and corrupt fraudfilled, deceitful, XXXX, insurance went in electronically allowing them PNC bank to did to do so I 'm alleging PNC bank Is " intentionally fraudulently delaying the " Actual '' funds money availability to my account knowingly " knowing XXXX will spend innocently later funds that I do n't have availavlble.like if I put {$120.00}, in on XXXX on wed with XXXX, using My cash then my XXXX check cones in say '' on Friday, XXXX, is alleging that I 'm negative {$120.00} its fraud n that 's wat I 'm reporting also discrimination vs XXXX etc, XXXX, on loans of any sort with the bank I 've called corporate n filed cfpb greviancies n heard zilch from anyone.I do n't owe XXXX zilch they were just electronically imedialty paid earlier between XXXX # & XXXX # of XXXX debts r owed.as I have to call the stfarm branch on XXXX # XXXX # &, ,to suspend bank payment cuz, my ssi checks are n't avail, til XXXX $ XXXX, XXXX electric payment scam " Picks up as a debt collector '' without disclosures, without a debt license to collect, without warnings of, to consumer of what 's owed allegedly, minus, what XXXX operators r bogusly, telling us customer 's oon calls that " were good ''! Etc, when really they purporting people owe them double months or else is actually vs public policy n break several deception acts n statutory laws under insurance regulations.XXXX, this bank must be shutdown as a failing bank with nothing to offer, no bankers, n account fraud theft n money mismanagement n racism vs XXXX, I demand full return for my coffee mate, n my previous earlier this month dispute n my XXXX cash so I can part ways, After '' I file civil rights actions vs this bank for Ada violations
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX calls 2-3x a day XXXX After being given a decrease and desist order and 2 letters from debt relief program, they ignore orders and keep calling ...
Product: Debt collection

I was contacted yesterday by " XXXX '' at XXXX XXXX. EST. I had just filed my taxes and was dealing with a new auto loan so I was expecting calls. When I answered the phone, she said it was being recorded. I asked who this was, and she kept repeating the question of " Is this so and so '', my full name. I refused to answer and I kept asking who is this? until she finally answered something like " I work for ERC ''. I did a quick XXXX XXXX and ERC shows up as an IRS ( government ), therefore I confirmed the zip code and city of the address she was providing. They probably do this on purpose. Only after consistently trying to hide who she was and why she was calling, did she reveal she was a debt collector. She recorded my address and requested information without letting me know who she really was. On top of that, this is a very old " debt '', that is not actually a debt. I do not owe them money and I refuse to have anything to do with that company. I have documents proving this but I am hesitant to go to court over XXXX dollars. XXXX ruined my business. Their technicians even gave me their personal numbers so I didn't have to deal with them because of how horrific they treated me. I cancelled my plan and their incompetence led to a false balance. I overpaid for services I did not receive and their lack of service led to the destruction of my business. I have no issues/debts with anyone else. I will never send XXXX a dim. They should reimburse me for the THOUSANDS they lost me. 

According to FTC 807. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Product: Checking or savings account

Received a letter from Fifth Third Bank went into the bank today XX/XX/year> stated that an EFT was made on XX/XX/year> to a company named XXXX of {$300.00} and a overdraft charge of {$36.00} informed the banker that this was fraud. Called the fraud dept from Fifth Third Bank talked to XXXX and disputed the charge. Informed XXXX today.
Product: Student loan

Mohela illegally and without my authorization put my student loans into forbearance. 
This is due to some Fed decision about the SAVE program, but regardless, this forbearance is illegal and without my authorization! 
I tried to sign up for a different payment plan but I can not do that without calling them ( and not having any documentation about whatever nonsense they try to claim this time ). 
Forced forbearances is why the US AG sued the loan companies XXXX  years ago. They may change their name every other week, but it's all the same company with the same underhanded and illegal methods to XXXX XXXX  students. 
I contacted them on XX/XX/XXXX but I have not received anything back even though the Mohela website says XXXX.