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

EXPERIAN IS GIVING ME BOTH THE RUN AROUND AND FALSE INFORMATION. I HAVE SENT 2 VERIFICATION REQUESTS TO ALL OF THE BUREAUS. EXPERIAN CAME BACK THE FIRST TIME REFUSING TO REINVESTIGATE. THE SECOND ROUND IS ATTACHED. THE FIRST PAGE TELLS ME THAT THEY GOT THEIR INFORMATION FROM SOME ORIGINAL AND SOME 3RD PARTY COLLECTORS. THAT IN ITSELF IS ILLEGAL. THAT DID NOT GIVE ME ANY PROOF. THEY DID NOT SHOW ME ANY ORIGINAL SIGNATURES OR NOTHING. I AM ALLOWED TO HAVE A FULL VERIFICATION NOT A GUESS. I THEN NOTICE THAT THEIR BEFORE AND AFTER FIRST REPORTED DATES, FALL OFF THE CREDIT REPORT DATES, ETC. DON'T MATCH. THEY ARE REAGING THIS STUFF. THEY EVEN TOLD ME THAT ONE ACCOUNT WAS DELETED BUT IT IS STILL LISTED. I AM FURIOUS. THIS IS AND HAS AFFECTED MY WAY OF LIFE THROUGH ABILITY TO GET JOBS, CARS, AND HOME OWNERSHIP. I AM SURE THAT I AM IN NO WAY SPECIAL AND MILLIONS OF OTHERS HAVE WRONG INFO ON THEIR CREDIT WITH THE BUREAU REFUSING TO CORRECT IT. THERE ARE THINGS THERE THAT SHOULD HAVE FALLEN OFF LONG AGO. THERE ARE THINGS THERE THAT CAN NOT BE VALIDATED NOR VERIFIED. THEY DID NOT DO A FULL CHECK WITH THE ORIGINAL CREDITOR ONLY AS THE LAW STATES. THEY ALSO HAVE CHANGED DATES OF FIRST REPORT AND EXPECTED FALL OFF. LIES!!!
Product: Student loan

I attended XXXX Colleges in XXXX and utilized their student loan services. I called the lending institution to put my loan into a deferement as I 'm still in student status, albiet at a different college, and I was informed that there was no such option. The statement clearly says " XXXX Colleges XXXX '' on it, but when you call the customer service number the phone is answered with " Patient Billing Services ''. It appears that XXXX treats their student loans as patient bills and there is no way for me to defer the loan or to lower the interest rate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$59000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Chime closed my account for security reason this has been going since XXXX of 2022 I submitted all forms of documentation they requested multiple times, they have yet realeased my funds back to me
Product: Credit card or prepaid card

for the last year and a half I been dealing with this situation with Commenity credit card company.I have written letters and they continue to say 15-45 days we will help and resolve this issue pending investigation with no response from the company, I have requested phone calls and emails from them and they continue to disregard.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit of my employer check. Of {$1900.00} The next day the bank said that my check was fraudulent and froze my account access and said my account was going to be closed. 2 weeks later my employer lets me know that they can not reissue me a payment to due to the fact that Citi bank has my funds. I've called more than 10 times trying to speak with a manager they let me know that there is none. And I will get a call back out of those 4 times I've requested a call back I have gotten none. Today I called with my HR Payroll manager on the line they will not speak with me while they are present. But they are saying they will not release my funds till my employer calls the bank and verifies that the check is legit. I gave her a couple of numbers to contact my employer they still say they can not call those numbers. At this point they have funds of my check. But will not give the access to receive my funds til they speak to my employer. Every time they try to contact Citi with this issue they wont give Citi any of my information. Now I'm left almost a month with no pay because they are holding my funds. 
There has been no proof sent either from the bank of the current situation.
Product: Debt collection

TEK-COLLECT, INC has an account on my credit report still reporting as opened when it was discharged in 2018.
Product: Credit reporting or other personal consumer reports

The following credit card account and hard inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report is not my credit card account or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/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

Chapter XXXX bankruptcy dismissed and no longer held against me
Product: Credit card

Pl

ease stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. BANK OF AMERICA XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed : {$7000.00} -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX Balance XXXX : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XX/XX/year> -- -- -- -- XXXX : XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$3700.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$7000.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I contacted TransUnion about the following fraudulent accounts XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14.00} ), PORTFOLIO XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  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 can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.

I was admitted to the hospital XX/XX/2021 and fell behind on all bills there was nothing i could could do.
Product: Debt collection

XXXX XXXX XXXX closed my home loan/sold it to Bayview LLC collections and BAYVIEW will not report to the credit Bureau for some reason never missed a payment in 10 years this is not right that XXXX XXXX XXXX clearly says no late payment since 2007 XXXX XXXX XXXX is still on my credit report..but as closed real estate
Product: Credit reporting or other personal consumer reports

iq data international reported false and inaccurate information on my credit report which affected my credit badly and my moving history. I sent out a validation of debt letter to them on XX/XX/year> which allowed them XXXX days to respond on how they got that information how it was calculated and where it came from. I also reach out to each credit bureau to remove this and was denied I started getting calls from the debt collector after request of no contact until letter of validation was sent. I sent a letter on XX/XX/year> asking each credit bureau to remove this debt as it wasnt validated and not even XXXX days later they claimed they did an investigation and it was verified. I sent another letter asking how they verified this information and have yet to receive anything back from them.
Product: Credit reporting or other personal consumer reports

I got my identity stolen in XXXX of XXXX I first realized when my XXXX XXXX account password was changed and they XXXX themselves two transactions totaling {$700.00}. I filed a claim with wells fargo at that time and got the money back. a couple months later credit cards began arriving in the mail which i did not apply for. This has resulted in 5 total hard inquiries ( via XXXX  ) on my credit report all of which are not from me and have negatively affected my credit. I would like these hard inquiries to be wiped and investigated for fraud/identity theft.
Product: Debt collection

I have disputed with consumer reporting agencies back in XX/XX/2022 and sezzle verified this debt as accurate, despite proof. 
They continue to report a balance of {$150.00} when this has been paid of. 
I have written to sezzle with no resolution. 
Sezzle is reporting a balance owed when this account was sold to XXXX XXXX who collected the balance. I have submitted proof to sezzle in writing showing proof that this debt was paid in full. Sezzle has continued to blatantly disregard FCRA Laws by reporting inaccurate information even though they are aware and were given proof. Under the FCRA as a furnisher of information, they are responsible for the completeness and accuracy of the information that they're reporting. This is the " SECOND REQUEST '' with the CFPB as Sezzle has not responded to the first complaint in XXXX. I have disputed the inaccurate information with XXXX, XXXX, and XXXX and they have continued to repeatedly verify the erroneous information. They are in violation of FCRA, 15 U.S.C. 1681s-2.

Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

ocwen loan servicing llc was keep sending me a letter attempting to collect debt regarding loan number XXXX we have no idea of what and who do we owe this loan. we believed that XXXX mortgage transferred our acct to XXXX after we filed bankruptcy chapter XXXX. also possibly after we shortsale the same properties the next year. 
short sale was done under the advice of my lawyer because for two years after got discharged from chapterXXXX, properties is still under our names, and we can not buy a new house. so, in order to removed those properties in our name, we short sale it and went to legal process.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting

On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Transunion I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX XXXX Service Member Currently XXXX to XXXX since XXXX XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX XXXX applied for a loan to pay off 3 credit cards. The total loan amount was for {$1000.00} minus a {$70.00} processing fee so loan amount is {$930.00}. I received {$150.00} to my checking account don't know why, a credit card was paid for the amount of {$230.00} and second credit card of {$150.00} which is a total of {$540.00}. There was one last credit card with a balance of {$380.00} that according to them it was paid off on XX/XX/2021. I checked the balance on unpaid credit card and nothing was paid off. I called the credit card company to see if there are any pending payments to pay off balance and they said no. They asked me if they sent it by check I said yes and asked for check # so they can track it and they didn't find such check number. They told me to call Upstart to see the status and Upstart keeps telling me that it's been paid off but I checked Upstart through my app and it does not show no payment to that specific credit card. They said they will investigate and reach out to me but no one ever reached out to me and they still want me to pay them and now balance went up to {$1000.00} when payment is not due yet. The reason I got this loan was to improve my fico but it's making it worst. They said check was mailed out by XXXX XXXX XXXX  which I thought Upstart was the actual lender and on promissory note it states that loans are made through XXXX XXXX XXXX. This seems shady to me which it is actually.
Product: Prepaid card

I received an email from Bank of America on XX/XX/2023 stating that they sent me a check with the money left over in my account but it was sent return to sender and I needed to update my address. On XX/XX/XXXX I called B of A and updated my address, they advised me that I needed to into a branch with my ID to verify my identity, which I did. They stated they would send the check after I did that. I never received the check. I called again on XX/XX/XXXX to check the status, XX/XX/XXXX and today, XX/XX/XXXX, every time I call I spend at least XXXX hour being transferred to different departments, and every time, I am given a different story. They told me they didn't have my updated address at one point, even though they send mail to my new address prior to the conversation, in XXXX they told me they re-issued the check and to call back if I don't receive it. Nobody can give me a straight answer as to why the check hasn't been sent and why I keep getting different stories.
Product: Debt collection

I am filing this complaint because inaccurate and harmful information is being reported on my credit report by XXXX XXXX and Hayt Hayt & Landau. These accounts have been charged off but are being reported incorrectly and unfairly, causing ongoing harm to my credit. 

Specifically : XXXX XXXX is reporting a charge-off for account ending in [ last XXXX digits ] and is updating the account monthly, which is misleading and unnecessarily damaging my credit.

Hayt Hayt & Landau attempted to sue me for this debt, but the case has no judgment on file, as confirmed through the New Jersey court system. Additionally, this debt is past the statute of limitations for collection in New Jersey. 

Both XXXX XXXX and Hayt Hayt & Landau continue to report these accounts despite the debts being time-barred and legally uncollectible. 

This repeated reporting violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as the information is inaccurate, unverifiable, and misleading. I have attached supporting documents, including a copy of my credit report and a court docket search showing no judgment for this account. 

I am requesting : The removal of these charge-off accounts from my credit report due to their inaccuracy and the harm caused by continued reporting. 
A thorough investigation into the reporting practices of Capital XXXX and Hayt Hayt & Landau to ensure compliance with FCRA and FDCPA regulations. 

Thank you for addressing this matter. I look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i spoke with XXXX on behalf of XXXX XXXX XXXX XXXX she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.
Product: Debt collection

I received a collection letter from Grant & Weber from creditor XXXX XXXX for the amount {$210.00} which I do not recognize those chargers and I have requested prove of the service reason of the chargers. 

All my medical transactions are made trough insurance and family doctor I know for year so I'm not sure how this company got my information to send me a collection letter from a creditor I do not recognize. 

Please review document attached and thank you in advance for your help.