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

The issue was not resolved! I have looked at my XXXX XXXX report and the issue still remains! The XXXX mortgage account is showing " NEED ATTENTION '' as if the account is still open. All of the closed account under bankruptcy is showing for the ACCOUNT STATUS " DEROGATORY '' as if the account needs attention. Once bankruptcy is filed there should not be any other derogatory comment. The ACCOUNT STATUS should say CLOSED on all the accounts under bankruptcy not DEROGATORY! That is the LAW!!!! 
I am not going to go back and forth with TransUnion!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Product: Debt collection

I submitted a complaint a couple of days ago due to the number of calls that were being made to me during the week ... after this complaint I set up a payment arrangement and have it scheduled to be directly withdrawn on XX/XX/ in which my account will be due for 34 days. The very next day I received I phone call from the company from the company line, and 3 hours later I got another call from a cell phone number that is registered to an employee with their company. I have a payment set up and there is no reason for them to harass me to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

On XX/XX/year>, I called citizens bank to release a zelle fraud block on my account for trying to XXXX my mother {$XXXX}. I was told I had to wait up to XXXX minutes for the tech XXXX to unfreeze my account. After XXXX minutes and being told just seconds until I was connected, the bank rep Told me he has having technician issues connecting me to the technical XXXX, had been in placed last in the queue and was not able to give me an estimated wait time though he did say it could be up to the time I had already waited. Confused by this policy of placing me last when it was a bank technician problem, I asked for the supervisor. I was told on a recorded line that the supervisor refused to take my call. At this point I said I would like to cancel my account. Suddenly, the supervisor was able to take my call! Wow! Citizens bank supervisor would rather have their customers cancel their account than resolve an issue! When I asked the supervisor if she would email the transcript she refused. She told me she wasnt able to call out or email out, a call center supervisor who isnt allowed to call or email out, the first of its kind! She gave me a reference number of the transcript ( XXXX ) and then asked to put me on HOLD AGAIN. What a horrible supervisor, horrible guidelines and even worse policy of placing XXXX hour waiting calls LAST ON QUEUE after a BANKS REP FAILURE TO CONNECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my free annual credit report from Experian using the mail-in form provided at XXXX. Instead of sending me my report, Experian sent a letter ( dated XX/XX/19 ) requesting additional information be sent to them ( photocopies of government issued ID, bill/statement, etc. ). However, there was no information in the letter on where to send this information or how the letter should be addressed. Nor was there a phone number to call to request more information. As the letter specifically said this information was to be sent to them ( Experian ), they should provide this information. Attempts to find this information at their website was fruitless. 

Considering this company makes money gathering and selling information about me without my consent, I should not have to jump through hoops to get these legally mandated reports. If they need additional information before providing this report, it is on them to provide clear instructions on how and where this information is to be sent. 
By making this process harder, more ambiguous and time consuming than it needs to be they do not appear to be honoring the spirit of the law requiring these reports be provided. I should not be expected to guess where to send sensitive documentation.
Product: Consumer Loan

I have a loan through TD auto finance. I have fallen behind on my car loan with them. I have tried to work arrangements out with them to try to catch up in installments to prevent collection calls but they are refusing to work with me. What is worse they are consistently calling my parents house where I do not live and my parents are not on the loan. I have requested that they stop calling them since I do not live there and they have no part in this loan. The company refused and said they would not remove their number or stop calling them until I brought the loan current.
Product: Credit card or prepaid card

On XX/XX/, I selected a balance transfer offer at XXXX XXXX XXXX XXXX XXXX with my preexisting Barclays Commence credit card for {$8800.00}. The terms very clearly stated the following : 0 % Annual percentage rate for 15 months 3 % Balance Transfer Fee ( {$5.00} minimum / no maximum ) This month, much to my surprise, I found an interest charge on my credit card statement associated with this {$8800.00} balance transfer. I called customer support and escalated to a supervisor and then another manager, all of which told me the offer I described was not available on my account currently, so there was nothing they could do to honor the offer I described. There is no way I would have signed up for anything other than a 0 % balance transfer offer, especially consider that I had several other of these offers from other non-Barclays banks with my preexisting credit cards. 

So far, I have paid the original 3 % balance transfer fee of {$260.00}, which was expected. The fees I have incurred that I should not have incurred based on the 0 % balance transfer I signed up for :XX/XX/XXXX INTEREST CHARGE {$19.00} XX/XX/ INTEREST CHARGE {$110.00} The support team at Barclays said they would have their technical support team review whether or not there was a glitch on the system, and that this would take 30 days. In the interim, I will be charged more interest fees. The support person didn't seem to think it was likely that this would be ruled in my favor, so I'm basically stuck with Barclays telling me there's nothing they can do.
Product: Checking or savings account

On the evening of Monday, XX/XX/XXXX, my account number XXXX was stolen by someone else. On Tuesday, I called the bank to complain. The staff said that it would be dealt with by me in 10 days, and the pen would be returned to me. It has been many days. no one picks up no one handlesI said to freeze my account and don't post it to others, but the money was transferred the next day
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint in re : XXXX XXXX auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I was reviewing my information in XXXX XXXX as I now pay them to watch my identity as a result of the first time this exact thing happened to me. I received a notification through XXXX XXXX that Major Derogatory type hit on my credit. Come to find out it was from a debt owed to XXXX, the cell phone company in the amount of {$3000.00} and change. First off, I have never and will never use XXXX. I had long been a XXXX customer and now use XXXX. I was instantly concerned and called XXXX   XXXX as well as filed a claim with XXXX the company in charge of hurting my credit over this. XXXX is investigating and XXXX XXXXXXXX says the same. XXXX XXXXXXXX informed me, when I spoke to them over the phone last week, that since no payment was ever made on the account it was automatically closed and sent to collections. So the lady helping me really did not even have the access needed to see behind the scenes. She let me know a member of their fraud team will be in touch, which I have yet to hear anything. Now comes my major issue. This EXACT thing happened to me, with XXXX XXXXXXXX mind you, two years ago nearly to the date. I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX and go figure, for {$3000.00}. What a coincidence right!? I think not. If the account had been closed from lack of payment, then why would XXXX XXXXXXXX ever authorized an account to be opened after my information and the fraudulent activity that surrounded my " account '' be in their system? Why would they let this happen yet again?? Simply to boost their numbers and take advantage of me and most likely others. This is utterly ridiculous that I am the one having to deal with all this and XXXX   XXXX just gets to go on about their day. I would not be as upset if it was the one time, but twice now. What prevents a third and a fourth because clearly XXXX XXXXXXXX will allow anyone anywhere to open an account no matter the reason or who they even claim to be. I am also upset as XXXX XXXXXXXX, having had my issue in their system the first time, clearly can not put two and two together to even call or send me a letter questioning my desire to open the account in the first place.
Product: Credit reporting or other personal consumer reports

letter sent XXXX  testing multiple collections
letter sent XXXX testing multiple collections
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ) XXXX and TransUnion credit bureaus are required to remove any items not later than XXXX 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. 
XXXXXXXX XXXX XXXXXXXX Balance : {$34000.00} ; XXXX XXXXXXXX Balance : {$36000.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$17000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX to validate the account they are reporting on my credit report. The letter was returned to me as undeliverable. I responded to Equifax asking for the account to be deleted because the creditors address on my credit report was not valid and I could not request them to validate the account. Equifax responded stating that the account is valid and verified. This account is still being reported on credit report with the creditors information being invalid.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Derogatory Mark place on my credit XX/XX/2021 for {$450.00}. Company contacted me via email correspondence. After communicating I realized that I never was in an agreement with this company or had any debt inquired with Sequium Asset Solutions XXXX XXXX XXXX, XXXX, GA XXXX.
Product: Debt collection

I have disputed this account several times and the results on XX/XX/19 came back that XXXX  and the company deleted this account from my credit report. Now this company is back reporting it after deletion how can I get this resolved? I do not owe this and this company sent me paperwork with false signatures on it. I want help to keep this account deleted this is unfair collection acts.
Product: Credit card or prepaid card

There were two hard inquires on XX/XX/23 on my credit report that XXXX alerted me of. 
One from XXXX XXXX XXXX and one from Discover on two new credit card applications that I never applied for. I called both companies so they said they would cancel the applications.
Product: Student loan

As of my graduation date in XXXX, I did not receive any bill from Navient or who ever was Navient prior to changes of the loan servicers. So I called Navient because I wanted to get my loan information ( payments, due dates, balance ect. ) and make a lump sum payment from a graduation gift. So after I made my lump payment of about {$4000.00} in XXXX, I asked Navient customer representative when my next payment is due. The individual specifically stated that no payments were needed until XXXX. Being an XXXX, I realized I would still be accumulating interest, so I asked the individual what my minimum monthly payments are going to be. I wanted to still pay down on interest and principal even though nothing was technically due till XXXX. The individual stated that my minimum monthly payment is {$70.00}. I took the customer representatives word. Subsequently, I made payments above the {$70.00} around {$80.00} - {$90.00} as it was difficult economic times. Around end of XXXX, I realized I had not received any paper bills nor loan package details ( amortization schedule, Repayment Schedule ) in the mail stating any repayment terms from Navient. So I entered into my online Navient account to discover that my {$90.00} payments a month was n't even covering the interest that was accruing on my loan. I then called to speak about the matter stating why they told me a minimum monthly payment amount that was n't even covering the interest that was accumulating. Navient was n't very responding to the matter. I paid an additional {$1300.00} in interest that was not needed. I had the economic means to pay a higher monthly payment but took Navients customers representatives word that the minimum payment was {$70.00} a month. The {$70.00} a month did n't cover any interest it basically added interest to my loan and differed my repayment of the principal. I believe this was a deceptive act by Navient and I am deeply saddened by the news that Navient has been doing this to many more borrowers in addition to myself. Economic times in XXXX were not very robust and this additional interest costs have been a burden. 

Thank you
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to the XXXX XXXX in XXXX XXXX XXXX and requested to cancel my service contract on a vehicle I purchased a few months earlier. I was aware that the pro-rated amount to be refunded was approximately {$5200.00} by my calculation. The finance officer had me fill out a single sheet of paper form and told me that the process could take up to 60 days. I asked why it would take so long, and he said that it was just the processing time and would not explain further. I then asked for evidence that the paperwork had been submitted and to receive consistent updates on the process. He did not provide proof of submission, but I took a picture of the form. Finally, he brought the form to a different person in the finance office and said to expect a call in around 2 weeks for additional information. After 3 weeks of no response, I began to call around 2 times per week. Occasionally, I would get to speak with a salesman who said he would pass along a message. This happened no less than three separate times with no follow-up. Often, I would have to call two or three times before I could speak with an operator who would transfer me to the finance department which never picked up the phone. There was no option to leave a voicemail. I called twice on XX/XX/XXXX, once on XX/XX/XXXX, twice on XX/XX/XXXX, thrice on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once on XX/XX/XXXX. I finally decided to send a message to a salesman through the website and received a call later that day from a salesman who then told me that the process could take up to 120 days and offered no other update or compensation. It is now approximately 90 days since the first submission and I do not even know if the form was looked at, much less processed. 

I originally filed this complaint on XX/XX/XXXX, but it was not forwarded to the dealership. Thus, I am submitting the complaint again in hopes that the loan company can contact the dealership on my behalf.