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

Experian is in direct violation of the Fair Credit Reporting Act. I have reported them on numerous occasions and have contacted a lawyer regarding a Class Action Suit. Their direct violation of continuously reporting erroneous information needs to be stopped. They have completed an investigation into the following account only after 3 days! This company has been contacted on various occasions and can not provide any direct link of myself to this account with any identifiable information : XXXX --  account # XXXX
Product: Credit card

I 've had a secured account for years, and among other issues, i 've recently tried to close my account. It is secured with a {$750.00} deposit through a local credit union who uses Elan Financial Services as a provider for the cards. I have paid my balance down to {$750.00}. In other words, my deposit and my balance bring our relationship to a {$0.00} sum. I told them i wanted to close my account over the phone. They told me since my account is secured, I needed to provide information in a letter, faxed to a given number. That number is no longer in service. I called back and they appologized and gave me a XXXX number. That number will not accept faxes. The rep explained to me the numbers should goto the holding facility for deposits ( the credit union ) located in another town. I went to the local credit union and spoke with several member service reps and " higher-ups '' and they were all agreed that was non-sense and they never heard of such a thing for secured accounts, that the money is sent to Elan for holding, not them. Elan called me about XXXX2 days later and told me account was past due. I told them I am trying to close the account. That the left hand was sending me to them and they were sending me to the right hand. I spoke with a supervisor, she asked me how long ago I sent the faxes. I spoke out loud as I worked out the day of the week. While I was doing that they hung up on me. About another XXXX3 days went by and they called me for collection efforts. ( my balance is still at {$750.00} out of {$750.00} ) I re-explained to the rep how upset I was for them intentionally making this so difficult for me to close my account, I warned them if they not provide a good functional way for me to close my account I would file a formal complaint. He apologized and told me he had no idea what the other XXXX phone numbers were, that they were XXXX wrong and gave me a XXXX fax number. I told him stay on the line with me, I am at the fax machine at work and we will do this together to make sure it works. I tried to send the fax, but it failed ( no response ). I told the rep on the phone this and he said it is the main fax line and they are usually XXXX people trying to send faxes at the same time so to keep trying. I Tried a second time and received the same failed " no response '' error. On the third try I told the rep, ok I 'm trying a 3rd time now, there was silence, I looked at my phone, he had also hung up on me. He had mentioned there was an address I could mail the letter to, but did not give me that address before hanging up on me. I checked XXXX or XXXX different Elan Financial websites I could find to find the card issuer agreement which should contain the address/fax but they apparently do not publish it online. I would have to call in again and possibly be led in a loop. I feel strongly they are intentionally obscuring the process, and or preventing me from closing my account. I have been in contact with them for the last 14 days of which they have not been willing to provide a resolution.
Product: Debt collection

Final amount from XXXX of {$170.00} is incorrect. See attached. Shows past due of this amount but then another amount of nearly {$190.00} This was XXXX of XXXX. 
Service was shut off by my request on XX/XX/XXXX. I have evidence of this in writing to XXXX. I even have new phone service and a bill from XXXX which can be provided showing all XXXX phone numbers listed with service as of XX/XX/XXXX. Now this company Diversified is not providing me any itemized statements and the bill is up to {$260.00}! Clearly XXXX continues to charge me for services I do not have! Someone needs to stop the madness with XXXX. I've attached my final bill from XXXX showing no balance and credits given to me by the person below. 

XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX CEO Customer Experience Obsessed Direct : XXXX Fax XXXX XXXX Attached shows that the billing was adjusted and final payments made in XX/XX/XXXX which left me with a XXXX balance. Further evidence will be submitted if small claims is filed with motion in court. No further activity was on the account for any calls, texts or data after this date of XX/XX/XXXX. 

Diversified has zero evidence and only provided me with 2 pages no items listed and refused to even walk through items and told me on a recorded line they don't have the paperwork. How can they put this on my credit report and collect with NO ITEMIZED STATEMENTS!?
Product: Checking or savings account

I receive direct deposits from my job every Friday. Unfortunately, my deposits do not clear for me to be able to access them into the following Wednesday around XXXXXXXX XXXX. My last check on XXXX was deposited as usual, and I waited until Wednesday to be able to receive my funds to pay my bills, but when Wednesday got here, my funds were still not available went to the branch at Wells Fargo today which is Thursday and no one can tell me where my funds are why Im not getting my funds or anything else that could help me understand whats going on. this has been going on for three months, but this is the first time that my money did not show up on the Wednesday as it normally was doing and no one has any answers for me and I have bills that are due right now and I have no funds to pay my bills
Product: Student loan

I am a member of the XXXX vs. XXXX XXXX XXXX class action lawsuit. My Borrower Defense application for discharge was approved by the Dept. of Education, and I am part of " Decision Group 2. '' Under the terms of the settlement, I am owed a refund for all payments made towards my eligible loans as well as a full discharge ( {$0.00} balance, removal of loans from credit reports ). 

This has not been completed and Nelnet refuses to give me the information about when it will be complete. 

According to my records, I am owed $ XXXX. My loan balance still shows {$2000.00} and is accruing interest. My credit report still shows the full loans active. 

I would like to know when this will be resolved as Nelnet is already in violation of the settlement for delaying the relief. I would also like an accurate quote for my refund amount and when I will receive it. 

This has been mandated by the court to be completed and Nelnet refuses to provide accurate information.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to the LAW to remove such items. FTC fraud report was on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquire was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

Pressler Pressler located in XXXX New Jersey harasses me with phone calls and threats for a long time. They they took me to court but I did not receive notice because I moved. They won in court because I didnt know about the case. My check has been garnished, I tried to fight it in court but the XXXX County Judge told me too late, too bad. I have had my check garnished for approximately 3 years even though I know Pressler Pressler has been proven guilty of unethical practices many times over. I would like to be able to stop this illegal garnishment, and receive all monies paid to them back.
Product: Credit reporting or other personal consumer reports

transunion XXXXXXXX XXXX are all selling, trading, to third parties agencies without my permission 15 US 6802
Product: Credit reporting or other personal consumer reports

It has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : EXPERIAN : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request that all inquiries resulting from the breach be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following inquiry should be blocked and deleted : XXXX XXXX XXXX XXXX  This inquiry was made as a result of unauthorized access to my personal and financial information due to the data breach. I kindly request that it be immediately removed from my credit report. Please provide confirmation once the inquiry has been deleted and send me an updated copy of my credit report.
Product: Credit card or prepaid card

There is a credit card on my report that was opened 7 years snd 10 months ago, Im only XXXX currently. Therefore I was underage at the time it was opened, I am only an authorized user on the account but I wasnt aware I was on the account. My mother is the one who opened up the account and made me a user. 
I dont know what could potentially be done, but something needs to happen before she opens a new line of credit in my name without me being aware.
Product: Credit card

I had paid off account and received bill for over {$1000.00} I knew h I had not purchased. I have not been to XXXX or to Home Depot in months. I had just got out of hospital and did not feel like traveling. My daughter drives me everywhere as I do not have a vehicle so she knows where I go. Home Depot stated that someone had to a driver license or social security card to purchase items, but I keep those in my wallet with my Home Depot card and they stay locked up in the truck. I know there are hackers but I can not think where anyone could have access to them. I just want charge cleared up and to stop harassing phone calls and bills when I have been working with Home Depot fraud department but do not have any answers yet and its been weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Information on reports from when i was a minor caused by people / family using information at a young age i have proof of birth certificate from the age i was in XXXX i would like this removed from my credit report because it is affecting me after I turned of age to have credit
Product: Debt collection

AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. THE COLLECTION- ( XXXX XXXX XXXX XXXX ) XXXX DELETE FROM TRANSUNION, XXXX AND XXXX
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX  upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. I know that credit reporting agencies supposed to report only XXXX  % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation not reporting 100 % accurate. Also your responsibilities as a data furnisher let me remind you are in violation of 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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.

In accordance with the FCRA, 15 USC 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. If you fail to comply with this request and send all documents that prove you seen and were sent to valid documentation to say these items are XXXX  % accurate you WILL BE HELD LIABLE under 15 USC 1681n and 15 USC 1681o Civil liability for negligent noncompliance. 
Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$2800.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$780.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$250.00} Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$340.00} XX/XX/XXXX, XXXX PM XXXX https : XXXX  XXXX Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$880.00XXXX 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

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an adverse action notice from XXXX on XX/XX/22. 

I made a several phone calls to LexisNexis in an attempt to obtain a free copy of my consumer report. 

First Call - Disconnected Second Call - Disconnected as well Third Call - Rep says my identify can't be verified. Gave me a strange website to use I did not trust.
Product: Bank account or service

Our numerous requests to Wells Fargo Bank for reimbursement of funds held by the Bank after our successful request to close our account have been ignored, this included a letter to The Board of Directors sent on the XXXX XXXX 2017. 
I include attachments of mail XXXX and Certificate
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding my ongoing challenges with Equifax in attempting to unfreeze my credit. I am in the process of buying a car and need my credit report accessible ; however, I have been unable to resolve this issue despite numerous attempts. 

I have called Equifax multiple times to : Set up an account. 
Unfreeze my credit. 
Each time, I am told to submit a copy of my driver 's license and Social Security card. I have done so, and I have confirmation via tracking that these documents have been received by Equifax. Despite this, I am repeatedly instructed to resend the same documents after every phone call, which is frustrating and inefficient. 

Additionally, attempts to set up an account online result in an " XXXX '' error code. When I call for assistance, I am directed back to resubmitting documents, which I have already sent multiple times. 

This repeated process has made it impossible to resolve my issue, and I am unable to move forward with my car purchase. I would appreciate assistance in resolving this matter promptly. 

Thank you.
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Debt Collection Violations : 12 CFR 1006.34 ( b ) ( 5 ) : Jefferson Capital Systems failed to provide me with validation information regarding the debt they are attempting to collect. I have not received a written notice containing the amount of the debt, the name of the creditor, and my rights to dispute the debt.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a chance to dispute the account in writing within 30 days of receiving the initial communication from Jefferson Capital Systems.

15 USC 1692 ( e ) : Jefferson Capital Systems is using false, misleading, misrepresentation, and deceptive means in their collection efforts. 
Credit Reporting Violations : 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) : Jefferson Capital Systems furnished an account to a consumer reporting agency without providing the required disclosures by law.

Dispute and Communication Revocation : I am disputing owing any and all debts to Jefferson Capital Systems. 
I am revoking all rights of Jefferson Capital Systems to communicate with me through email, text message, or call in accordance with 15 USC 1692 ( k ). Any further communication will be considered a violation, subject to a statutory penalty of {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the XXXX bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the XXXX bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me
Product: Mortgage

To whom it may concern : I had been working with my previous servicer for almost 2 years before it got service transferred to Freedom Mortgage. My counseloXXXX XXXX XXXX spoke to a rep from the loss mitigation team. On XX/XX/XXXX we received confirmation that they had received my loss mitigation application and the third party auth for XXXX. We followed back up on XX/XX/XXXX and they confirmed again that they had the documents and my file was under review. Today, we followed back up and spoke to two reps that could not find anything about a review going on. The second person was supposedly a escalation manager with the ID of XXXX. She advised nothing had been going on again. 

I can't wait another 2 years for another service to mess up on my documents again! I want to save my home!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # : XXXX XXXX : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 

With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


AfXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

last week i applied for a capitol one savor card application number XXXX because they kept sending me preapprovals. they deined me because i had a credit alert on my XXXX account confirmation number XXXX which is now been fixed and my contact phone number is on my alert now. i have sent them documentation, i have sent letters to the ceo 's office, i have sent 2 complaints to the XXXX in va and they still kept turning me down because they want me to reapply and do another credit check on me. i am not doing that because they should be able to still see my credit report from last week and i am not pulling down my credit scores.