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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I went to emergency room out of town in XXXX XXXX XXXX XX/XX/2021 to XXXXXXXX XXXX my insurance XXXX XXXX XXXX XXXX will pay the claim and have blue cross contacted them re this. But they turned my account over for collections to Wakefield and associates of tn and they are reporting on my credit report that I owe XXXX dollars so Wakefield and associates don't care I don't owe XXXX when they file the claim it may be like XXXX please have this removed from my credit report
Product: Debt collection

they were never taken off i have 3 old ones on the XXXX  credit report that should have been taken off. just like they were taken off my XXXX   XXXX CREDIT REPORT. I have complained about this thousands of time and nothing has happen. 
ones for {$170.00}, {$170.00}, {$200.00}, Now there is another one on here i have never heard of or seen anything about for {$660.00} or something like that. please help me i am just trying to fix my credit reports up so there all right around the same.
Product: Vehicle loan or lease

In XX/XX/XXXX, I suffered a XXXX resulting in several long-term hospitalizations. As a result, my income inevitably decreased and I've been struggling to make payment due to this fact. I've done the best that I can to make partial payments and work with Regional Acceptance to keep my account active. Most recently, I submitted and received a deferment of 60 days on XX/XX/XXXX ( deferment ID : XXXX ). This deferment was agreed to bring the account current. I subsequently made a payment of {$890.00} on XX/XX/XXXX, covering the month of XXXX and XXXX. The account was to be current. On XX/XX/XXXX, while I was in the hospital, I was notified via my security system that my car was repossessed. This is extremely concerning, as I've put my money into paying the two months to bring this account current to avoid this from happening. I need my vehicle in order to drive to my follow-up medical appointments and post-op procedures. This repossession should not have taken place, and this is the worst experience that I've ever had with an auto lender. I do not have the means to pay repossession and storage fees, and shouldn't have to, since I was told the account was current after my deferment and double payment. I am set to return to work in XXXX, and would then be able to make payments as agreed, but I won't be able to return to work without a vehicle. Regional Acceptance has not offered to work with me in resolving this matter.
Product: Credit reporting or other personal consumer reports

I disputed this account over the phone with Equifax around two weeks ago and informed the agent I spoke with that I needed an authorized user taken off of my XXXX XXXX XXXX, XXXX account. I called to do this because the authorized user on the account ( my younger brother XXXX XXXX ) disputed this himself online to remove. They denied his dispute saying the account belonged to him. Same as with XXXX. They both said I would have to remove him myself. So I called both, first XXXX told me I had to remove him with the original creditor, which I did. XXXX has removed him from the account. I called back XXXX and they removed him from the report. Called Equifax and they said they would do the same. Now yesterday, XXXX XXXX my brother who lives with me received a letter in the mail from Equifax. Denying the request to remove him from the account AGAIN! So I just called Equifax and the agent was not really helpful, she could not understand that I took my brother off the account and they need to remove him. She spoke English very well but did not seem to comprehend it as much. So I hung up and am just handling it on the CFPB. 
Remove XXXX XXXX as an authorized user on my XXXX account and remove it from his credit report immediately. The original creditor has removed him already, you would have seen that if you did your due diligence and actually investigated the account as XXXX did. Which is weird, don't you both use the same databases? That's besides the point, remove him from the account. You should have removed him when I called and asked you to, he's an authorized user with no accountability for the account. You are a credit agency you should know this better than I do, I can't believe this has gone on this long. Call XXXX for your verification that you still have not done but lied and said you did. They will have no record of him on the account. Deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Barclay Bank and notified them that my credit card was used without my consent. I became aware of the fraud charge after Barclay Bank reported to my credit report that I was 30 days late making a payment. I asked them to remove the 30 days late and they refused over the phone conversation on XX/XX/2021 and XX/XX/2021. 

The charge was made by an online company called : XXXX
Product: Credit reporting

I paid a collection agency for a bill cause they stated fastest way to take care of was pay them then they would remove it off my credit report. Otherwise I could send in my paperwork from my chapter XXXX that I was still in ( not discharged/final court payments not finished ) and they would review and decide what to do. I choose to just pay it as it was only {$110.00} and seemed real easy to just pay rather than collect all the info they wanted. This shows on my TransUnion report still and no other credit agency. Mean while the chapter XXXX has been finished and discharged on XXXX XXXX, XXXX ( official file date XXXX XXXX, XXXX ) and anything dealing with that Chapter XXXX has came of my record as the 7 years from filing has arrived. I payed on this chapter XXXX for little over 5 years and have worked hard to get things back on the excellent side I was on prior to XXXX XXXX in XXXX with inadequate medical coverage that left me to have to file the chapter XXXX in the first place. The credit collector in this cause is causing a stand still of my improvement by not following through with a verbal agreement as good luck every getting something in writing as the will not provide that almost no matter what. Notified TransUnion with their preselected chooses they have and my response back is very vague in the results and I plus any others out their trying to get things right deserve better from a professional company. A consumer who does n't care about a quick dismissal of a response generally would not even bother to ask for such. However, it does state I can further contact them for any additional questions about my dispute request but it is a whole bunch of loops and staying on hold and links that do n't work properly - Why not just give me the report in the first place. Their vague answer does n't even specify that they contacted the creditor. Says : " Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. '' Ok I get what No Change or No changes have been made means but, really Verified? With whom it looks like them selfs well I can pull my credit report and Verify myself that their report says the collection is listed ... .What legal practice is this even right to give that response to a consumer. 
Basically I should never paid this did the weeks of paperwork gathering to have it gone now as I was miss lead by the collection agency. But even at that I was in chapter XXXX when this appeared on my report and all other bankruptcy items have meet their limit of 7 years from chapter XXXX filing and have been removed so even though I privately paid this should it not disappear with this rest.
Product: Debt collection

I have never been able to get a clear explanation from the creditor XXXX as to what these charges are for.
Product: Credit reporting or other personal consumer reports

COMENITYBANK/VICTORIASSECRET XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear COMENITYBANK/VICTORIASSECRET , This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
XXXX. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts.

Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXccount Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX  XXXX bankruptcy dismissed Reference Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020 a bankruptcy was filed under my name and resolved XX/XX/2020. I was incarcerated at the time and did not consent to anyone filing this proceeding. I am requesting that this public record be removed immediately as it violates my consumer rights.
Product: Debt collection

Me and my girlfriend are in the process of buying a house. I noticed on my credit report that there was a debt for XXXX dollars from 2010 from Suburban credit corporation. I tried having this debt removed for years but they refused, so I just gave up trying. My girlfriend called ( which I 'm not sure is even legal, without getting permission from me ) to have this debt removed, they stated to her " you have XXXX debts, XXXX for XXXX to XXXX and XXXX to XXXX @ XXXX XXXX. My girlfriend stated " that this debt is not ours but she will pay it so it can be removed off my credit report '', they stated they " would remove the debt that is not mine if she paid the balance ''. So she did, they sent us a reciept, and we waited for it to be removed. 
In the process of waiting, 10 days go by and we received another bill from the same company stating we owe MORE money, now we owe XXXX to XXXX, XXXX XXXX, and XXXX XXXX. I thought it was a mistake. So she calls them and they explain they were very exact with the " wording '' of what they were stating, they stated 'they only told us what we owed on the credit report not the total we owed, and they never said they would remove it, we just asked if they could, and they said yes, they would take care of it '', they took care of it by marking it paid and thats not what they explained at all. and then they threatened to put the new debt collections on the credit report if we did not pay them. Which is not mine to begin with I know that debts are to come off after 7 years and unless they were removed, there would be no point in paying Suburban credit and re-ging the debt that is not mine in the first place, when clearly it has to come off in 1 year anyway, and clearly my girlfriend did not know this, she thought she was doing the right thing. 
I dont know if this is legal or not but I know that we were lied to and then they threaten us with another debt so they can make more money off the people you clearly lied to is not right, and I plan on taking them to court over this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute to EQUIFAX inaccurate information on my credit report. After several disputes done and reviewing my report again, I noticed there's still some innacuracies on this account that contain errors : XXXX XXXX  ACCOUNT ENDING XXXX Under the FCRA 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I am requesting : 1. Immediate RE-investigation into the disputed items listed above. 2. Removal of late payments and also correction of the inaccurate information. 3. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by la
Product: Debt collection

I have called and requested verification of the debt from XXXX XXXX XXXX numerous times. I sent a request via certified mail in XX/XX/2018. I received the signed receipt from the Post Office on XX/XX/2018. XXXX XXXX still refuses to provide proof of the 2 collection account for Medical of {$330.00} each. I have spoken with the original creditor and they state I have no open balance. I have requested that they remove the collections from my credit report and they refuse.
Product: Mortgage

This is t he 3rd c omplaint I 'm submitting ag ainst Ditech Financial. I   keep sending the proof and I 'm getting no where. In  XXXX   XXXX  sold the mortgag e to Green Tree, who then became Ditech. T hey keep saying that I had a NSF from  XXXX   XXXX ,  XXXX . My  XXXX  payment was sent to  XXXX  and cashed, paid to the ord er of Green Tree. I ' m attaching a copy of the cashed check. I was using my boyfriend 's bank account but my loan # was on the check and as you see, it was not returned as NSF. I 'm also getting statements fro m Ditech  showing " funds in suspense ''. They are not applying my funds to my principal balance, I do n't know what they are doing with my money. I pay twice a month, this was done to pay off the loan sooner. First they said I was in default from  XXXX   XXXX , now they say that was wrong, it 's  XXXX   XXXX , well the cancelled check is attached. I also received the attached threatening letter about foreclosure. It 's dated  XXXX / XXXX / XXXX , and it says my next payment is due  XXXX / XXXX / XXXX . Also attached are my bank statements, I ha ve two diffe rent banks. As you can see, both payments for  XXXX  were taken from my accounts and the first payment for  XXXX  was also taken. Where is this money going? Why is there not a class action law suit. Read all the complaints that you 've received. They are all similar to mine. The closer you get to paying off the loan, the more they threaten and say you owe money. This has been going on for 4 years, I keep sending them the check. My payments are not being applied properly. They are literally stealing my money. Attached is the cashed check from  XXXX / XXXX / XXXX , a copy of the threatening letter received on  XXXX / XXXX / XXXX , a copy of the fax sent to  Ditech  today,  XXXX / XXXX / XXXX  with the cancelled check and my bank statements showing both payments for  XXXX   XXXX  and one for  XXXX   XXXX , the other gets paid  XXXX / XXXX / XXXX .
Product: Bank account or service

I closed all my accounts over a year ago.  Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them.  These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it.  Apparently, they must have left them open and continued to withdraw fees from it.  the amount they stated owed were XXXX and XXXX.  It appears that they can control anyone's account even after it is supposed to be closed.
Product: Credit card or prepaid card

On my last and final XXXX 's bill, XXXX 's charged me a late fee and interest in the amount of {$34.00} for allegedly failing to pay my bill by the XX/XX/2018 payment due date. These are fraudulent charges by XXXX 's because the full payment ( {$390.00} ) was sent in a timely manner via U.S. Mail from XXXX MN, however, the payment was not processed by XXXX until after the payment due date. I requested that the error be corrected on a XX/XX/2018 phone call to XXXX 's, but XXXX 's declined to correct their mistake. The delayed payment processing times and poor customer service are a result of XXXX 's bankruptcy and liquidation. 

This bill was absolutely paid in full and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect hard inquiry on credit report. ( 2 of them ) XXXX XXXX from XX/XX/2018 in error. Already contacted them, they told me to file a complaint here. Their phone number is XXXX XXXX XXXX I two incorrect hard inquiries XXXX XXXX and XX/XX/XXXX not recognized, it is for credit card/airlines. Never contacted them. 

their phone number is XXXX
Product: Checking or savings account

i am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; Medical XXXX Balance : {$60.00} ; Medical XXXX Balance : {$320.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.