23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  Reporting to my credit report as a collection I have no knowledge of this account and I have never had an account with them. This is a mistake or this account was opened fraudulently.
Product: Debt collection

I have Appealed this debt with my insurance and am waiting for the appeal process to complete. this creditor calls up to 12 times a day, even though I have asked for paperwork and paper billing.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX stating they had purchased debt owed by me to Synchrony Bank Wal-Mart. According to their records the debt was purchased on XX/XX/XXXX. I did not immediately respond believing the account had been settled. On XX/XX/XXXX I spoke with a XXXX XXXX and stated I believed this was a mistake and disputed it verbally. She advised me to log into the collection account and dispute the validity of the debt and I did as instructed. I received a follow up call from a XXXX XXXX (? ) and I informed her I had filed a dispute with them online. She told me she would update my file and I have not been contacted by phone since. In XXXX of XXXX I received a letter telling me my dispute had been rejected and I owed on the account. 

I then contacted XXXX XXXX XXXX who had handled my debt resolution between the dates of XX/XX/XXXX through XX/XX/XXXX. I was provided a copy of a cancelled check as proof of payment which I then provided to XXXX and disputed the debt again.Once again my dispute was rejected. Aggravated, I chose to do nothing further until after the holidays.Due to a series of life and health event, I did not start to address this issue again until XXXX of XXXX. 

On XX/XX/XXXX, I again disputed the account and provided a copy of a settlement agreement provided by XXXX and a copy of funds dispersement ledger. I did not provide a second copy of the cancelled check since they were already provided XXXX. XXXX XXXX I received a letter informing me, yet again, my dispute had once again been rejected. I was provided a copy of a letter that was supposedly from Synchrony Bank validating the debt. I question the validity of this letter for several reasons. First, it is absent of any form of letter head that anyone would expect from financial institution the size of Synchrony Bank.Two, how or why would they provide a letter of validity with an incorrect account number? How were they able to verify anything without making the correction to the incorrect account number XXXX provided? Finally, the page layout, font and QR codes in the upper corners of the document give me reason to question its validity.

I have also filed disputes with the 3 credit bureaus in XXXX of XXXX and again in XX/XX/XXXX. They have done nothing other than update the information provided to them from XXXX. 

All that being said, there is a simple explanation to the problem but XXXX nor the credit bureaus have done their due diligence. As a matter of public record, Wal-Mart parted ways with Synchrony Bank and was replaced by XXXX XXXX. XXXX  XXXX then acquired Wal-Marts existing credit cards receivables portfolio which included current and delinquent accounts. When XXXX negotiated my Wal-Mart settlement, funds were dispersed to XXXX XXXX at the agreed upon dollar amount and deposited/cleared on XX/XX/XXXX. Synchrony sold this account on XX/XX/XXXX, nine days after it was settled with XXXX XXXX. I can not owe both.I am stuck in the middle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, consumer open an online dispute with Equifax in reference to XXXX XXXX XXXX, an collection account. XXXX submitted a written letter requesting an explanation with three concerns. ( 1 ) Why is XXXX XXXX listed as a " closed '' account on credit file when XXXX XXXX XXXX is a collection agency and not a creditor? ( 2 ) Why is XXXX XXXX still reporting on credit report when Equifax nor the collection agency has properly validated such debt in according to the Fair Credit Law after several attempts made by consumer requesting verification of such debt. ( 3 ) Why would Equifax still report an unverifiable debt when XXXX  and XXXX  had conducted investigation against XXXX XXXX XXXX for the same such debt and their investigation resulted in a deletion/removal of consumer 's credit file? 
As of XXXX XXXX, XXXX consumer HAS NOT received dispute results from Equifax . On XXXX, XXXX, consumer received an alert from XXXX stating that consumer 's credit score dropped by XXXX points due to the re-investigation of the XXXX account conducted by Equifax. Per XXXX, Equifax updated the status of the above-referenced account as " At least 120 days or more than 4 payment past due. '' THIS IS AN INCORRECT STATMENT!! CONSUMER HAS NEVER MADE ANY PAYMENTS TO PORTFOLIO! THE FACT IS CONSUMER DOES NOT HAVE ANY OBLIGATIONS TO PORTFOLIO. WHERE IS EQUIFAX GETTING THIS INFORMATION FROM? WHERE IS THE VERIFICATION? HOW DID EQUIFAX COME UP WITH THESE CONCLUSION? Why did consumer 's credit score drop while according to Equifax the investigation is on-going? Equifax has blatantly ignored the simple request consumer has requested regarding the information on credit file. Equifax nor XXXX XXXX XXXX can legally and legitimately supply consumer with proper documentation for continuous reporting of such account. Consumer is requesting for Equifax to be investigated for violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called Nelnet to see if my student loans were protected under the CARES ACT. They informed me that my student loans were from a private lender and are not backed by the federal government, however, I could request to defer them due to the coronavirus, which I did and they told me that my loans would be deferred until XXXX. In XX/XX/XXXX Nelnet reported to all 3 credit bureaus that I was 90 days late on my student loan payments, without a single correspondence of any kind to me. This lowered my credit score over 100 points. I called Nelnet about it and they told me that for some reason my request was not processed in XXXX, but I could file another request, which I did and I have a letter stating that my student loans are deferred until XX/XX/XXXX. I also asked them if they could change the late payment status on my credit report. THEY told me to file a dispute with all 3 credit bureaus and that Nelnet would not challenge the dispute. I filed a dispute with all 3 credit bureaus and in XX/XX/XXXX Nelnet refused to change the late payment status. I called them about it and they told me that, internally, they are only allowed to change credit reporting for " natural '' disasters and that the federal government only declared the coronavirus pandemic a disaster, not a " natural '' disaster. I believe that this is an absolutely ridiculous technicality that is entirely the fault of Nelnet, but as of now, it will have a devastating affect on my credit and my life for the next 7-10 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to this credit bureau regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to disputes within 30 days, but I have not received any resolution or adequate response. 

I have followed up multiple times, but the disputed items remain on my report, and I have not been notified of any investigation results. This failure to address my concerns violates your obligations under FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to investigate disputes.

15 U.S.C. 1681i ( a ) ( 6 ) : Notification of results.

The unresolved inaccuracies on my report are harming my credit and causing me significant stress. I request that my dispute be investigated immediately and that I be provided with a written response detailing the results. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Account XXXX XXXX, XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX has violated my rights. 

15 U.S.C Section 1681 section 2 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Hi, Was told that my account is closed. But there was no communication till XX/XX/2022. 
I am not allowed to withdraw money from my account. I have about {$4500.00} in the account. This is my payment and I am not Abe to pay my bill and home mortgage. This will impact my credit report.
Product: Debt collection

Comenity Bank has obtained phone numbers of individuals who have nothing to do with the debt in question. An individual named XXXX contacted my son and specifically stated the call was in relation to an attempt to collect a debt. My son is not listed on this debt nor is he responsible for this debt. She also contacted an individual named XXXX XXXX, who has no relationship to me and no need to be contacted in any way. How both of these numbers were obtained is unknown to me. The number she called from is XXXX extensionXXXX. I attempted to find out how thes numbers were obtained with no success. When asked if there was a XXXX XXXX, they responded they had no knowledge of anyone by that name. When asked for the full name of the person I was talking to, he refused saying only his name is XXXX. Nor would he provide a direct number. 

I am well aware of this debt and have made small payments towards it upon getting a job after a period of unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot XXXX '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
Product: Debt collection

, my name is XXXX XXXX, and I am reaching out regarding an issue with my Equifax credit report. There is an account listed under TFC, affiliated with XXXX and XXXX XXXX, that was fraudulently opened in my name. The original creditor, XXXX and XXXX, has already disputed this account, acknowledged that it was fraudulent, and removed it from my credit report. Despite this, the account is still showing on my credit report under TFC. I have made multiple attempts to resolve this directly with Equifax, but the issue remains unresolved. I first contacted Equifax and spoke with a supervisor named XXXX. During our conversation, I informed him that the account had been disputed and removed by the original creditor due to fraud. However, he was dismissive of the situation, stating that they would initiate another dispute. This is not acceptable, as the account should have been removed promptly after the fraud was confirmed. I also reached out to TFC, who confirmed that XXXX XXXX XXXXXXXX had indeed removed the account after confirming it was fraudulent. Despite this, the fraudulent account remains on my credit report, negatively impacting my credit score. I need this account removed from my credit report immediately. I have already followed the proper channels, and this issue has gone on far too long without resolution. I am requesting that Equifax take immediate action and remove this fraudulent account from my credit report today. If this matter is not resolved promptly, I will have no choice but to consider legal action to ensure my rights are protected. This situation is completely unacceptable, and I expect it to be handled with urgency. Thank you for your immediate attention to this matter. Best regards, XXXX XXXX
Product: Checking or savings account

On several occasions I made online debit transaction s where you must pay for your product before it's received. Unfortunately, I am paying for such service s with money being debit Ed to my account and the companies are telling me the product was never paid for. Besides, having someone always standing around watching, I then have to repurchase my product ( making a duplicate transaction ) by entering into my savings. When the bank is contacted all they can do is re submit another card. So far this was a total of an estimate {$250.00}. I am being asked did I figure out what's happening? Or they're telling me they never got the money. Too often there's a shortage on my account.
Product: Checking or savings account

At about XXXX on XX/XX/2025 my checking accounts got hacked. I bank at US Bank. I called the bank when I woke up at XXXX to let them know I could not access any accounts. They said that my accounts got hacked. They even changed my personal information. US Bank did not tell me that but they asked if my email was a certain email, and it was not that email. So I know that the person who hacked in changed my information. I had no access to any money as over {$5000.00} was sent to mostly XXXX and an online cripto currency. I went into a branch to get more help on XXXX XXXX in XXXX Iowa and the teller said, and I quote, " we are too busy to help you today. '' I said I would go somewhere else and he said ok. He did not care to help me and I told him my bank accounts got hacked. I left there and tried to go to the other US Bank in XXXX. I called them. Told them my situation and they put me on hold for a long time and never came back. I decided that it was best to open accounts at a different/local bank. That is what I did. I got a call from the fraud department at US Bank that day and they said if I continue to have this happen to my accounts they can't let me have accounts there anymore. I was so confused because this has never happened to me before. They were treating me like I had done something wrong. When the attacker broker into US BANK! I talked to another person in my area that got hacked at US Bank with XXXX as well the same week. I am wanting to know if this is what happened and US Bank failed to disclose this situation. I am worried that my account information has been leaked. This has been the biggest nightmare as I have had several payments declined because my accounts are frozen and I have several {$30.00} late payment fees. I am still working on this. I just don't think this whole thing is right and I don't believe I have been treated fairly when I am the one that is the victim. My daughter, XXXX XXXX is also tied to my accounts and she has the same issues.
Product: Mortgage

We are writing to explain our current situation with our mortgage servicer Wells Fargo. As per out attorney he has advised to file a complaint with your organization based on the reason we were given for a denial. Our attorney has received several of the same worded denial letters all where wells fargo is the servicer of a loan. The exact wording given in the denial is as follows : " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' How is it that our loan owned by XXXX and serviced by Wells Fargo and yet we are not eligible to be reviewed for the making home affordable program. We meet all the requirements to be approved for this program and have attached a copy of our submission that was sent to the bank providing supporting evidence for our qualification for a HAMP modification. 

We do not know where to turn at this point as we are being told our servicer can not help us because of our investor yet we are not allowed to ask our investor for assistance. Please help us receive a fair and proper review for assistance. In the meantime our attorney is looking into the potential for a class action law suit given several recent identical denials from Wells Fargo claiming the investor wont give them permission to offer assistance. 

We can not believe that this would be an acceptable rational given for refusing mortgage assistance. We are asking you to look into this and help us get reviewed.
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. 
XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I can not link my XXXX credit card to my PNC account for auto-pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rent an apartment but XXXX XXXX apartments is showing that I owe them for an eviction.  When I called them regarding this issue, they told me to contact XXXX XXXX ( collection agency ). When I called the agency, they have nothing on file. I have tried to call XXXX XXXX several times since then but continue to get the run around. The last time I called, I was told that they no longer manage the apartments. So now I am stuck and need to know how to resolve this issue. According to the collection Agency, I do n't owe anything. I have tried to dispute with Transunion Rental Screenings but they refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX   {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX   {$4800.00}