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

I have an account with https : //my.equifax.com and when attempting login and unfreeze my credit file it prompts this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' This combination is accurate as it is saved by my computer for reuse and it's the same problem I've had in the past with Equifax. I tried to use their automated phone service, but it too has many bugs. Finally I faxed them ( XXXX ) my drivers license, SSN, DOB, five years of addresses, and also mailed the same information to them. 

Since I am attempting to secure a mortgage there is a sense of urgency on my part to have Equifax respond. XXXX and XXXX have efficient freeze and unfreeze processes, but not this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received an auto loan to purchase a XXXX XXXX XXXX with Ally financial. The car was repossessed in XX/XX/XXXX. In XX/XX/XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif Ally had dismissed the case. I do have a notice of dismissal from New York State. Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact Ally 's legal department and I have gotten nowhere.
Product: Credit reporting 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. 

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 ( 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: Debt collection

I am a victim of Identity theft and I first contacted Comenity Bank regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX. They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX and XXXX have honored my claim but XXXX has not. I contacted Comenity Bank again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX. It is well beyond the allotted 30 days since it was confirmed that my letter was received and these accounts are still negatively impacting my credit.
Product: Debt collection

In XXXX, I registered for an online course with The University XXXX XXXX XXXX but subsequently canceled my registration prior to the University 's deadline. I received written communication from the University acknowledging their receipt of my cancelation but they claim to have no record of it. I first received notices from the University requesting payment in XX/XX/XXXX and disputed the debt. I believe I received communication from XXXX debt collection agencies for the same account. Each time I received a notice, I would dispute the debt and each time I received no response for an extended period of time. I did not keep records of those communications, each time believing the issue had been resolved. 
Recently, I have been receiving letters from Todd, Bremer & Lawson , Inc., a debt collection agency, demanding payment. I have disputed the debt and twice provided them with documentation from the University proving that the debt they are attempting to collect is not valid. I have requested that they close the matter and provide me with a written statement that the matter has been resolved ( as they are at least the third entity with whom I have disputed the debt ). I believe they are violating the Fair Debt Collection Practices Act and would like to file a complaint against both the University and their debt collection agent and request assistance in reaching a resolution to this matter. 
I am uploading copies of each communication I sent them ( sent to them by my wife via efax ), the attachments that I sent with each fax, and a copy of the last response I received from them asserting that the debt is valid and that they will consider any future disputes " frivolous ''. I do n't know what to do and would truly appreciate your help. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Account info Account number # XXXX Open/closed Closed Date opened XX/XX/2018 Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$14000.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXXutopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

US Direct Express closed complaint XXXX with no resolution. 

They sent an email claiming they could not contact me by phone. My son tried calling them twice and no response. When I called them and left them my phone number, they closed the complaint because my son filed the complaint for me. 

US Direct Express representatives may not know how to make international phone calls. 

Send any paperwork needed to make someone my representative dealing with US Direct Express.
Product: Credit card or prepaid card

I have sent numerous letters to XXXX  regarding the inaccuracy being reported under my Wells Fargo account. What doesn't make sense is that IF the data furnisher is reporting this accurately for XXXX   and XXXX, why isn't is being reported accurately for XXXX. The payment status is WRONG. The status should be Current as it was not late when the account was closed. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by Wells Fargo?
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.Please resolve this manner as soon as possible.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference the letter I am attaching. I sent this investigation request to XXXX  and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.
Product: Credit card or prepaid card

Received an unsolicited debit Visa card from U.S. Bank ReliaCard. Until this showed up in my mailbox, I had never heard of this bank or this type of card. Upon receipt, I tried to contact the bank using the phone number on the literature. To possibly talk to someone, one has to provide too much personal info - DOB, social security number and the CC number. Since I do not know this business, I definitely would not give them my SSN. After XXXX this card, I learned it is a possible scam directed at retirees ( which I am ). One additional detail that made me concerned, was the incorrect middle initial on the card. I would like to make sure that my information is not being used illegally. Fortunately, I had placed a freeze on my credit through XXXX  with the 3 credit reporting companies. I checked my status and found no new activity, which reduces my stress somewhat. 

If this is a known scam using the ReliaCard which is a real card, why are we, the public not being informed? Hopefully, some government agency is looking into this.
Product: Student loan

My student loan is now paid off. HOWEVER, I believe Fed Loan owes me a significant amount of money because 1. I overpaid and 2. because my loan interest was miscalculated. I have compared their records of my payments made with the actual receipt of payments I made. There is a discrepancy of XXXX. I wrote to them in XXXX of this year advising them of this situation and asked for a review, explanation or confirmation of my receipted payments which are not shown on their records. I never received an answer. I simply wish for this situation to be corrected and receive a refund totaling the payments I made but were never credited to my account. I have all the receipts for these payments. If there is a reason why these payments were not credited to my account, I would like an explanation. Thank you so much for your assistance in this matter. I am XXXX and a senior citizen living on a small fixed income. A refund of the overpaid amount on this loan would be of enormous help to me. P.S. At the time my loan was made and for several years thereafter I was a service member 's Spouse. 
Sincerely, XXXX XXXX
Product: Debt collection

I signed a lease with my daughter in 2015. I received a demand letter from the apartment and replied immediately asking for more information. They did not respond and sent the file to collections. Rent Recovery contacted me XX/XX/XXXX and started reporting the collection on my credit report even though I have communicated my position in email and on the phone. They refuse to review my argument and have told me that the apartment does not have to provide any proof of the damages. 

I do not feel I have any responsibility for the debt and my argument is documented in my XX/XX/XXXX email to Rent Recovery. Please review the attached emails.
Product: Vehicle loan or lease

I purchased a car through XXXX in XX/XX/2022 and when purchased they told me that they would be covering the cost of the plates and registration, that it would be in the car when it arrived. It was not, I called the finance company and made them aware of the situation and they told me that someone would be in contact, also told me to call XXXX. I was sent them in an email to print off at the library. Which doesn't seem legal. I was given a rental for the interim while waiting on the plates to come in. I was not able to work for XXXX with the rental because it was a rental which costed me money. Finally got them and the battery was no good in the vehicle now which took another week to figure out and a fight with XXXX to replace it. Still no calls from United Auto Credit. Now the body control module has went out and I have explained to United Auto Credit where the vehicle is and what the issue is and told them that I couldn't afford the repairs let alone the payments. I have been getting harrassed about paying the notes and haven't received a bit of assistance for it. This loan is my XXXX car loan in the past year and a half, and XXXX of them are in default for being XXXX XXXX  not useable. 

After speaking to XXXX XXXX I was told that they would help me get the car fixed. I told them I couldn't afford the fix it and then found out about my warranty. I got it fixed but it was still gon na cost an entire payment, and XXXX repeatedly told me that he was going to get me reimbursed for the repairs then disappeared when I sent him the paperwork for the repairs. I sent several emails containing the final charges and when I finally got an answer he decided to start shouting at me because I was frustrated and snappy after about 2 months of dealing with this. Now the car is totaled. And I let the company know that XXXX was refusing to pay for repairs because of some small print in the insurance claim. I told XXXX about this, they said they couldn't do anything. I told them I couldn't either and let them know several times that I could not afford to make payments, that I was living oXXXX XXXX XXXXXXXX XXXX  in the car that had just been totaled by a drunk driver. I asked them to stop reaching out and they continued to harass me, phone calls, emails, text messages. I repeatedly told them to not contact me again, the car had been in an accident and of course they continued to call, text and email. I was then told that they would defer a few payments to try and help me but received a call the next day saying that they needed a payment and then told me that I was lying when I told them about the previous conversation. They have called my friends, and previous partners repeatedly even when they asked them to stop. Harassed them for a good XXXX months. Now they hitting my credit with a closed account.
Product: Debt collection

XXXXDebt Validation letter mailed to Portfolio Recovery Associates , LLC requesting original signed contract from the original creditor, verification indicating a valid basis on their claim. Proof of of their debt assignment, and whether debt is within the statue of limitations. After receiving a statement from them and a copy of letter they were to have mailed out in XX/XX/XXXX ( Which no letter was ever by them w/ their dates listed. ( I did not hear anything back from the company w/ in the XXXX  day allotted time ). 

XXXX Sent an addt'l letter to the company indicating since they did not supply the requested items from the letter back in XXXX they had to by law remove the erroneous report off all my credit reports. Also, on the same date I reached out to XXXX to request this to be removed since the company did not supply any records to me at the allotted time of XXXX  days. Yet received a statement from the company dated XX/XX/XXXX, telling me I had to pay them money for an account I already disputed wasn't mine and I was never sent anything from them. 

XXXX Sent an addt'l letter to the company requesting proof of debt and again the original signed contract agreement w/ my actual signature. 
-No communication from the company for months, yet received notification that a mark was placed on my account by the company indicating " consumer disputes and has no knowledge of debt ''. 

XXXXReceived notification from mortgage lender that same company is reporting this same erroneous debt twice ( doubling the amount they are trying to collect ) on XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX. 

XXXX Sent an addt'l debt validation letter to the company certified disputing the charges, and request original signed authorization of my signature and request for them to stop collection charges and reporting erroneous charges as this is damaging my credit. 

XXXXReceived notification from post office in VA the company refused ( after checking if company received my mail ) to sign for my certified mail, and I had until XX/XX/XXXX to have it redelivered. I went back into my local post office to inform them of this and the manger sent an email to the manager at the post office in VA to let them know they needed to redeliver the mail by law and obtain a signature. 

XXXXReceived mail from the company, w/ statements of the use of card opened in my name illegally. This company still failed to provide me an original signed contract w/ my signature and no photocopies of this original contract. They still have failed to comply w/ the requested items on the debt validation letter and send me a statement.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS.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 card

When applying for Delta American Express Gold credit card was supposed to receive a {$300.00} credit towards purchasing a XXXX airline ticket and XXXXXXXX sky miles. I was approved for the card. 

XXXX and American express are now refusing to give me the {$300.00} credit and XXXX sky miles. They claim I agreed to a different promotion that I never heard of, one that gives an unknown number of sky miles after purchasing an unknown airline ticket amounts.

See attached file containing 6 documents. 1. Complaint ; 2. Screen print of promotional ad on XXXX XXXX website ; 3. American Express Approval email ; 4. Email sent to XXXX XXXX, XXXX American Express dated XX/XX/2023 ; 5. Email response from XXXX XXXX