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

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected  : 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 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 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 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 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 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: Debt collection

I have an outstanding debt that I have been paying to Absolute Resolutions Investments , LLC ( XXXX ) through their collector, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) The arrangement was formalized with a court hearing in XXXX. 
1 ) The company that I owed the debt to XXXX XXXX an affiliate of XXXX XXXX XXXX  sold the debt to ARI 2 ) XXXX XXXX   contracted with ( XXXX  ) to collect the debt 3 ) XXXX  sent me a letter dated XX/XX/XXXX advising that they now owned the debt and I needed to pay in full or make payment arrangements 4 ) I called XXXX and made arrangements to pay monthly letter of confirmation dated XX/XX/XXXX 5 ) During the time of the payment with no missed payments XXXX  sent me a confessed judgement letter to be signed by myself and to continue with the same payment arrangement as before. I did not sign it but continued to pay. 
6 ) Despite the fact that I was honoring the payment arrangement with no missed payments ARI/XXXX filed a lawsuit ( weaponizing the court system ) 7 ) Absolute Resolutions Investments filed for a judgement 8 ) I went to a court hearing XX/XX/XXXX where the attorney for XXXX  accepted a written payment arrangement which I have honored in exchange for dismissing the judgement 9 ) In XX/XX/XXXX for the first time a negative collections mark appeared on my credit report from ARI 10 ) I called ARI to find out why. They said that in XXXX they got permission to report debts to the Credit Bureaus and my payment arrangement does not exclude that 11 ) ARI has acted in bad faith. I honored the arrangement I missed no payments.

12 ) Their action immediately caused my credit report to drop by 23 points 13 ) The negative collection account report on my credit report affects my ability to get employment, my ability to get housing, my ability to get loans and if I get loans significantly increases my interest rate. 
14 ) ARI has significantly harmed a paying client/customer/debtor who is completely cooperating 15 ) The payment arrangement has not changed 16 ) This situation represents an abuse of their power and position 17 ) XXXX  sends me a mail confirmation of payment received each month 18 ) They sent me no other communication 19 ) There was no notice sent about their intent to take this aggressive and punitive action against me 20 ) I do not doubt that ARI have many accounts not paying as agreed. I have just received the same penalty as those debtors. ARI has not demonstrated the ability to responsibly use this powerful tool that they have weaponized against cooperating debtors 21 ) I am requesting that they remove this negative remark from any and all credit bureaus immediately
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The IRS has sent my Stimulus check to my closed account saving account ending in XXXX via Chase. However, I reached out to the escalations team member XXXX and they told me that if I do not reopen an account then they will send the money back to the IRS. 

Unfortunately, I was unable to open a new account because I owed a balance with an old checking account. Therefore, I reached out to XXXX ( XXXX ) and he advised me to open a new account at the local branch, but he could not guarantee that the stimulus check would transfer to the new open account ( if I get approved ). 

Like I mentioned to him, I do not have transportation to get to a branch and it is late in the day and the branches are closed.
Product: Debt collection

I have been recieving mutiple phone calls from a so called company name XXXX XXXX XXXX XXXX. Then they send me valdiation letter of debt from XXXX XXXX. The email was XXXX  claims divison. i try to look up their information and their is no information on this so called company as in XXXX XXXX  XXXX XXXX or XXXX. The orginial loan is from cashnet. I have paid off all my loans. Cashnet emailed me back stating that it is a scam and fradulent activity. The debit is from XXXX XXXX they can not give me an exact date and they will send me anything in the mail to back up their claims. I have asked them twice not to contact me. They continue to contact me. If anything the orginal loan was under 500 dollars. I do not recall ever taking that loan out. Nothing has ever shown up on my credit report regarding this loan. I take care all of debits cause of past mistakes. I wanted to clear this up but they do not want to work with me without a checking account which i will not give over the phone. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 card or prepaid card

I had a credit account with CareCredit of Synchrony Bank, account XXXX which I closed on XX/XX/2021. I had a XXXX  balance on the account. 

Synchrony Bnk XXXX XXXX XXXX XXXX, FL XXXX I have a credit freeze with all credit reporting agencies to preclude unsolicited credit accounts being created. 

On XX/XX/XXXX, over 60 days CareCredit sent me an unsolicited Master Card in account number XXXX. This despite the close account and credit freeze. 

I complained to the customer service number XXXX. The explanation is that they were already converting the account and I was free to accept it or not. They claim that it was not a new account though the account was closed.
Product: Bank account or service

XX/XX/2016 I paid my XXXX phone bill of {$220.00} and it cleared my account on XX/XX/2016. About the XX/XX/XXXX I filed a dispute on XXXX charges. 

Someone at Chase included my XXXX payment of {$220.00} in the claim. They have admitted it was Chase error. 

I NEVER disputed XXXX charge. However, it was charged back from XXXX. 

I have dealt with XXXX collections and had to REPAY another {$220.00} to keep my service active. I had to Pay twice for my XX/XX/XXXX phone due to Chase error that they will not return while they figure it out! Chase has NOT returned my money! 

in the amount of {$220.00}. It is not at XXXX ( I have verified with XXXX ) I have spoken with the claims dept at Chase to no avail. I 'm told each time that it will be another 5-7 days. It has been 4 MONTHS! 


This is outrageous! I NEVER filed a claim on XXXX! 

The amount was NOT returned to my account! The Amount was NOT returned to XXXX. 

THIS IS UNACCEPTABLE! 

PLEASE HELP!
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023, I sold my car for XXXX and get {$16000.00} check from them. The banker of Bank of America cashed the check for me. After that, my bank app notice the fund would be available in 8 to 10 business days. So I kept waiting until the XXXX day ( XXXX ) when I open the BOA 's app on my phone, and all of my checking accounts are gone. BOA said they are in processing and closing my account because they " can not locate '' the {$16000.00} check. I went to XXXX, and XXXX pulled out a report saying that BOA received the fund. Again I came to BOA, and Fraud and Investigate Department refused to take the receipt and evidence of me and XXXX. BOA kept my {$16000.00} for no reason for more than 2 weeks and has no answer to what happened to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 A dispute was filed letting the credit bureaus know that there was an accurate information on my credit report with Credit Acceptance Corp.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND CREDIT MANAGEM XXXX still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.
Product: Credit reporting or other personal consumer reports

Trying to repair my credit was involved in a credit breach thanks
Product: Credit reporting

XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with Portfolio Recovery, on XX/XX/XXXX I disputed this reporting, in writing, directly to Experian, Equifax and Transunion. Transunion. Transunion investigated and deleted both the original and XXXX accounts. I waited for XXXX days and resubmitted online disputes to both Equifax and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both Equifax and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax regarding their online credit freeze system. I recently tried to temporarily lift a credit freeze that I had previously placed on my Equifax credit report through their website. However, when I attempted to use their online system for unfreezing my credit report, I encountered technical issues that prevented me from being able to unfreeze my credit. 

Specifically, after logging into my Equifax account and requesting a temporary lift of my credit freeze, I received an error message stating that the system was unable to process my request. I made several attempts over multiple days to use the online system to lift the freeze, but continued to get the same error each time. 

This has been extremely inconvenient and frustrating, as I need to unfreeze my credit report in order to apply for a credit card that I am in the process of obtaining. With the online system not working properly, it requires me to go through the hassle of contacting Equifax by phone and submitting documents by mail in order to get my credit report unfrozen. This delays the process significantly. 

My understanding is that credit reporting agencies are required to provide consumers with an easy online method for temporarily lifting credit freezes. The fact that Equifax 's online system has not been functioning properly seems to violate this requirement. Consumers should not be forced to go through a cumbersome manual process when the law mandates a simple electronic method be provided. 

In summary, I ask that the CFPB look into this issue with Equifax 's online credit freeze system not working as it should. Steps need to be taken to ensure Equifax comes into compliance with the legal requirements around online credit freeze management for consumers. Please let me know if any additional information is needed regarding my experience. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

This is related to a claimed a filled before XXXX XXXX XXXX : " I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached XXXX on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. Lately, they have been calling me multiple times, even during weekends ( Mother 's day ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me XXXX. I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY. '' Now, I filled out this claim back in XXXX, and during these days Ally kept calling event though I mentioned multiple times there was a claim with the cfpb in process. They even threatened me with reporting and they did. They added a delinquent mark in my report on XX/XX/XXXX, which they did not remove. I found out about this recently when I got an Auto loan denied because of a " past delinquent installment on my report ''. 

As you can see in the documents attached, Ally recognized the balance on the account was paid on XXXX XXXX and it closed the account on XX/XX/XXXX of XXXX, but the they never removed the mark of my report, and this had affected negatively. This has cause me a lot of trouble and unnecessary stress, especially because I spent multiple hours on the phone trying to fix this. I even warned them about the claim, but it seems they did not care and they reported me. I tried to fix this again over the phone, but the treatment was the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax 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, this is very exhausting, nobody wants to grant me a loan because of this. 

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

TRANSUNION VIOLATED 15 USC 1681i ( 5 ) ( A ) ( i ) AND VERIFIED INACCURATE INFORMATION! REMOVE THIS ACCOUNT NOW!! REMOVE THIS ACCOUNT NOW! VIOLATION AND WILLFULLY NONCOMPLIANT AND NEGLIGENT! REMOVE THIS ACCOUNT NOW! 

XXXX XXXX XXXX $ XXXX XXXX XXXX REPORTED XX/XX/XXXX Opened XXXX XXXX, XXXX ( 3 yrs, 5 mos ) QUESTION 1 : HOW IS THEY VERIFIED THE INFORMATION FOR THE DATE OPENED ON XX/XX/XXXX BUT NO DATA IS LISTED ON THE REPORT? BUT THIS WAS VERIFIED. 

QUESTION 2 : HOW WAS I LISTED AS LATE ON XX/XX/XXXX BUT NOT LISTED AS DELIQUENT ANY OTHER MONTHS??? YOU VERIFIED THIS INFORMATION!!!! 

SO TRANSUNION IS WILLFULLY NONCOMPLIANT AND FAILED PROPER COMPLIANCE! THIS IS GROSS NEGLIGENCE, WANTON NEGLIGENCE AT WORST! 

REMOVE THIS ACCOUNT IMMEDIATELY!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

Company Cash app accused me of violating terms and conditions.. Then without warning shut down my acccount. When asked for a explanation they would not provide one and this cost me days of work and place to stay and other hardship. The customer service is lacking and incapable of providing remedy. They must take responsibility for thier mistakes and as a united states company the customer is first.
Product: Credit card or prepaid card

on XXXX of XXXX we did a repair on a customers vehicle that totaled {$6600.00} on XXXX of XXXX I received a dispute letter from merchant services in XXXX  md. that stated I was being billed back for {$4900.00} because customer said the parts we put on failed so  early that we probably did n't put the parts on the customer paid for so I filled out the dispute letter with the invoices for the turbocharger from XXXX in XXXX mt. for {$3800.00} and the invoice from the charge air cooler from XXXX XXXX in XXXX mt. for {$1100.00} totaling the {$4900.00} about a week later we got refunded the {$4900.00} and  I thought it was done but on XXXX of XXXX I received another letter from merchant service that stated the {$4900.00} was pulled out of my acct again with another letter that stated this disputed transaction can not be remedied since you failed to respond to the request for additional information well I never got another letter from XXXX XXXX so I called customer service and they told me the case was closed because I did n't respond to the second letter I told them I did n't receive the second letter they basically said to bad we mailed it not our fault case is closed chock it up to the cost of doing business I was so mad I could n't believe she said that I asked to speak to a manager and was rudely told the same thing I asked them what proof they had that they even sent the letter they said we mailed it to youre business on regular mail not certified or emailed or faxed if it got lost in the mail that 's not our fault but apparently its my fault I feel this is wrong the parts put on the vehicle carry original equipment warranty and should have been handled as such if they had another failure I was not contacted by anyone on this repair except for once the customer called and said he was having a problem in Utah and I told him to take it to a XXXX certified dealership for repair I do n't feel I was treated fairly in this case as I never had an opportunity to respond to the second dispute plus if the mail lost it why do I have to absorb this cost XXXX XXXX  XXXX XXXX XXXX XXXX md. XXXX XXXX case # XXXX XXXX XXXX repair XXXX mt.