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

XX/XX/XXXX - I disputed and requested validation of debt from Ad AstraXX/XX/XXXX - Ad Astra provided a photo copy/printout of an unsigned contract as proofXX/XX/XXXX - I disputed, again, as Ad Astra failed to provide me with a copy of viable evidence bearing my signature showing account was reported accurately; a bill does not constitute verificationXX/XX/XXXX - Ad Astra provided a copy of unsigned agreement and history of charges (still not verification)XX/XX/XXXX - I confirmed that my credit report was never (after 6 months)  marked "disputed" by Ad Astra which was required after 30 days of original disputeXX/XX/XXXX - Provided yet again previously mailed copies of an unsigned agreement and history of chargesXX/XX/XXXX - Credit Report still not marked "disputed" by Ad AstraAs a result of all the actions above, this derogatory account, Ad Astra Recovery Services, Inc. must be removed from my credit file by all the failures of Ad Astra to provide proof/validation of debt AND failure to mark Credit Report "disputed" within 30 days of original dispute communication
Product: Mortgage

During the first week of XX/XX/2023, I called SPS and asked for my Re-Occuring ( ACH ) payments scheduled on the XXXX of every month to be removed as I will make the payment online myself. So, I made my payment online on XX/XX/XXXX or so. The next thing I know is SPS also deducted my monthly mortgage payment from my bank account, so I was charged twice for the same month. I had no choice but to call my bank to reverse the payment. Then, SPS considered this as an NSF on my payment history for the month of XX/XX/XXXX XXXX  ( this is not fair ). 

Ironically, the same exact thing happened again in XX/XX/ ( my bank account was debited twice for the same payment. Although, I did call during the first week of XX/XX/ and advised SPS to please cancel my SUTO pay. 
I requested an investigation by their Customer Advocate Team and the results were not acceptable. Does SPS claim that they have no record of me asking for the Autopay to be canceled? really? why would I make a payment knowing that I have Autopay scheduled?
Product: Credit reporting

Equifax continues to report XXXX of my accounts as charge-offs even though I have sent Equifax proof that XXXX has said they will no longer report. I have XXXX accounts with XXXX that are currently reporting as charge-offs. This information is over 7 years old. I called this to XXXX attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from XXXX stating that as a customer courtesy they had made the decision to delete the tradeline reporting. That the accounts would no longer be reporting. Since XXXX XXXX Equifax has updated my credit report two times and continues to report as charged-off. They reported it XXXX XXXX as a charge off. I sent a copy of the XXXX XXXX letter from XXXX to Equifax as proof when I filed the dispute with Equifax. Equifax told me on the phone that they can not use the letter to remove the accounts that they can not control what XXXX is reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I recieved a text message that purported to be from Chase verifying whether I had authorized a {$2000.00} XXXX deposit. It looked like a legitimate text so I texted back " no. '' I received a call back and the individual said that they were from Chase 's fraud department. The fraudster walked me through steps to cancel the XXXX transaction. He had me send the {$2000.00} to my own phone number to prevent the money from being taken. I figured what harm could it do since it said the money was going to me. It dawned on me that this was an unusual call so I hung up the phone and called Chase to verify. The Chase representative said that he saw the transaction but that no money would leave my account because " I caught it in time. '' He also called me fortunate for catching it. Minutes after I hung up from Chase, {$2000.00} was transferred from my Chase account to the scammer via XXXX. I filed a claim with Chase who promised to review the matter in a timely fashion. They said I would hear back in 10 days but when that 10 days came and went I called Chase who indicated that the claim was denied.
Product: Credit reporting

This company failed to verify my alleged debt with-in the 30 day time frame allocated by the FCRA, this company was then forced to delete this debt from all reporting agencies. this company did not update Experian with this information as they still reported this debt. i have disputed this with Experian recently and are awaiting the results. the law requires that if a company reinserts deleted information then they must provide me with notification within five days of doing so. They failed to comply again!! i'am beyond frustrated with this company as they keep reporting debts that do not belong to me. to make things more interesting they falsely stated that i paid the account and placed the item back into my report on " paid status '', i have not paid this company a dime because this debt does not belong to me. so because this company was forced to delete my information, they choose to do what ever they can to make my life miserable. They have repeatably broken the rights i have as a human under our federal government guidelines. something must be done about this! we must find out who makes the decisions at this company and hold them accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged XXXX every month since XX/XX/XXXX without my consent by Experian for credit monitoring. I never inputted my credit card information to be charged monthly. I attempted to call customer services however I was never able to get through to a person for months to figure out how to cancel this membership. 

After finding a post on an online forum from another person who had a similar problem I was able to cancel my membership on XX/XX/XXXX for Experian IdentityWorks Premium. My premium membership ended on XX/XX/2020. 

I have contacted Experian and discussed how I never agreed to have credit monitoring and I wanted to be refunded for every charge since XX/XX/XXXX. This Includes XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They simply stated there was nothing they could do. They said if I didnt sign up for this then someone must have stolen my identity and signed me up for the monitoring service. No one stole my identity, I tried to tell them that Experian signed me up unknowingly and without my explicit consent. 

Experian did refund me for the month of XXXX. I am still looking to get refunded for the other 6 months totaling XXXX. 

I attempted to use my visa credit card services to reverse the charges however they stated " regulations governing credit card transactions allow member banks a number of weeks to assist you with any discrepancies on your account. When we received your letter, the time had elapsed for use to obtain credit to your account ''
Product: Credit card or prepaid card

Elan Financial Services closed my account because, as they claimed, they sent me a letter asking for information and I did not respond. 

I never received that letter. 

As a result, they closed my account and forfeited all rewords points.
Product: Checking or savings account

I need my last statements from my account but I am continuously being met with a robot that doesn't understand that I do not have a debit card for the account nor do I still remember the account number due to the account being closed, because of this I haven't even been able to request my last statement
Product: Mortgage

First loan in modification. 

Atlantic union bank not only made ways to avoid allowing payments but when they knew my first mortgage was in modification they did not follow the legal process to allow application for a modification of the second loan after requested multiple times by way of XXXX  abuse. They also failed to allow a modification or application for one in accordance with federal laws. They instead sought judgment through a court which has yet to be heard in court.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX and American Education Services ask for XXXX payment for multiple student loans. I missed a few payments in the past, but they reported to my collection agency that I missed a payment on every single government loan. If they ask for XXXX payment per month, it should only report to credit bureaus that you missed XXXX payment, not multiple. Though all of my students loans are paid to date, this is killing my credit score and preventing me from obtaining a mortgage. This has happened to thousands people and their credit scores and it needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently applied for an American Express Card and was declined for the following reason " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' When trying to look into this on my XXXX report. The only deferral I see is on my Federal Student Loans which was applied automatically. I was informed under the CARES ACT this should not affect my credit, but appears this is the reason I am not able to get my American Express Card. I have been trying to resolve this issue with both American Express and XXXX and each is placing the issue on each other as an error they need to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Ive disputed four accountS XXXX, XXXX, XXXX and XXXX multiple times with the company and with the cfpb for multiple fcra violations ranging from charged off accounts transferred with balance reporting, charged off account still reporting past due balance, high credits and balances. The dates of last payments contradict the payment history, in addition these account have inaccurate as well as incomplete information reported on my consumer report. Ive disputed these discrepancies multiple time which resulted in these accounts being verified. I ask that you delete these accounts immediately its in violation on 15 u.s.c 1681
Product: Debt collection

The Statute of Limitations for this Debt Expired in XX/XX/2019. I have asked NCB Management to stop contacting me but they still continue to contact me on a debt that is no longer owed. 

The company is in violation of the Federal Debt Collection Practices Act, The Texas Debt Collection Act and The Texas Civil Practice & Remedies Code ( Section 16.004 ( a ) ( 3 ) ), which states that the statute of Limitations is 4 years.
Product: Credit reporting or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Removal of XXXX XXXX doesn't exist Removal of XXXX {$XXXX} doesn't exist
Product: Credit reporting or other personal consumer reports

I was checking my credit score on an application when I saw that it said my social security number has been compromised that someone has a driver 's license number with my full-name and an address I do not own a car or gotten my driver license. I am afraid of it affecting my credit score more and afraid of now opening bank accounts and having them compromised. Is there anything I can do it prevents from myself getting affected.
Product: Credit card

On XXXX XXXX XXXX I rented a car with XXXX XXXX XXXX at the XXXX airport, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I returned the car XXXX XXXX XXXX and paid with my Discover Credit Card for a total on XXXX. 

There is a fraudulent charge on my Discover Card for a car rental from XXXX XXXX purchase by a renter XXXX XXXX for {$490.00}, from XXXX XXXX XXXX. The XXXX rental location is the XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I did not make this purchase and I do not know a XXXX XXXX. 

I filled a dispute with Discover which was not resolved in my favor. I have also filled a report with the XXXX Police depart for credit card fraud, # XXXX. I have tried to contact the XXXX rental location, but they will not rent my calls.
Product: Credit reporting or other personal consumer reports

TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.
Product: Credit reporting

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 

SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX
Product: Vehicle loan or lease

I have XXXX and had to get an extension on my loan which they graciously did but they told me I wouldnt be charged interest and they did and they gave me a poor credit score saying I was late
Product: Credit card or prepaid card

On XX/XX/2022, I used XXXX reward points to purchase XXXX gift cards : {$50.00} XXXX, {$50.00} XXXX XXXX and {$250.00} XXXX. Within XXXX weeks, I received both {$50.00} gift cards, but never received the {$250.00} XXXX. My balance after using the reward points was XXXX. After not receiving the {$250.00} XXXX, I did another purchase for XXXX points on XX/XX/XXXX. As of today 's date, I have not received the {$250.00} gift card. I've spoken with several representatives ( including managers/supervisors ) from XXXXAAA Bank and provided them with copies of the order confirmation for the gift card purchases. 

I called XXXX XXXX AAA customer service numbers as well as the Reward Center as I was transferred and told that since it involved rewards, I needed to speak to that department. I'm not overexaggerating when I say that I spoke with six people who were not able to assist me with this matter. This is unprofessional and not customer friendly at all, especially when I have provided all the proof ( order numbers for the gift cards along with copies ). If I received the two {$50.00} gift cards from XXXX XXXX XXXX XXXX XXXX , why did I NOT receive the gift card for the {$250.00} when the points were redeemed? XXXX sent a letter on XX/XX/XXXX stating an investigation was being conducted which would take about 90 days ; 90 days from XXXX will be XXXX, and no one has made an effort to reach out to me to inform me of the status. I will NOT stop reaching out until I receive the {$250.00} gift card I redeemed from the points acquired from the use of the AAA Bank of America credit card. 

Your assistance in resolving this matter will be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsible to report consumer information to the best of their ability with maximum accuracy. I never been late on the accounts that i provide inside the complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be uploaded to paid as agreed on time as they should be due to the fact i was never late Thanks! 

XXXX XXXX XXXX XXXX XX/XX/2024 # XXXX XXXX XXXX XXXX XXXX XX/XX/2024 # XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Student loan

I had a group of 5 student loans that were refinanced. The loans were overpaid by {$160.00}. XXXX XXXX  said that they issued a check on XX/XX/XXXX. Then in a separate correspondence they said they issued a refund check to the new servicer on XX/XX/XXXX. When the new servicer said they still hadn't received any payment, I asked again and XXXX said they issued a check on XX/XX/XXXX. The date of the supposed refund check keeps changing and the new servicer still says they haven't received any payment. This {$160.00} seems to have disappeared even though I am paying interest on this amount integrated into my new loan. I don't believe XXXX actually sent any refund check to the new servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.
Product: Credit reporting or other personal consumer reports

The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/, however, they sent me a bill as proof dated XX/XX/ with the address XXXX passing it off as an official piece of mail, but its not. Its XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my three credit reports recently, I observed that TransUnion and XXXX are still indicating a collection account that I have no recollection of applying for. Fortunately, XXXX has addressed this issue and removed the collection from my credit report. After contacting TransUnion and XXXX I was met with push-back even though I expressed the collection in question did not belong to me.
Product: Debt collection

XXXX XX/XX/2022. After many exchanges of letters with BMO Harris Bank, I was informed that the account I am disputing had been struck off their books and is in the form of a lien which could be straightened out in the future. And that no further actions would be taken. 

I received three " final notices '' all dated XXXX XX/XX/2022. I wonder how there can be final notices when there have not been any " notices '' prior to this. 

BMO Harris has been sued in a class action filing and was convicted on deceitful and unfair practices. I believe that I am a victim of those efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit reports often, I noticed a collection from XXXX XXXX XXXX, it said I owed XXXX dollars from an account that was opened on XX/XX/XXXX, well there's a problem, I was XXXX from XX/XX/XXXXtill XX/XX/XXXX, I disputed the account, XXXX almost immediately took it off my report on XX/XX/XXXX, XXXX and XXXX   came back saying the account was verified, with no explanation as to how, I dont understand how one agency removes the collection and the others dont
Product: Debt collection

I 'm receiving daily debt collection calls from General Revenue Corporation, from a " XXXX . XXXX. '' Last year I also received daily calls from them for over a month until I called them. They were trying to collect a debt from a family member of mine. I informed them that my phone number was never associated with that family member and to stop calling me. They said they would remove my phone number from calls. And they did, for about a year. And then they started calling again about XXXX XXXX, 2017. Their phone number is XXXX.