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

I have disputed with XXXX, Equifax and XXXX a Bankruptcy on all three of my credit reports that they stated they got the information from XXXX and the Bankruptcy Courts. I contacted XXXX and ask them to provide me with where they got this information from and XXXX stated that the data being reported was unverifiable and that they removed it from my report and that they reached out the the bureaus to have them remove it as well. I have sent the bureaus several letters asking them to remove it and the only bureaus that has responded back is XXXX and XXXX. Equifax will not respond back at all. this has been going on since I sent my first letters to each bureau on XX/XX/2022. I asked the Bankrupcty Courts if they give this information to the Bureaus and they sent me a letter stating they do not give this information to the Bureaus. I attached that letter along with the letter from XXXX and they still will not remove this information and stating that the information is accurate. XXXX also stated that my previous request they received with my information included, was not from me or a properly authorized third party. I stated to XXXX that they were advised by me on XXXX, XXXX and again on XXXX by certified mail that I questioned the accuracy of a few items on my credit report. That request was written by me and mailed by me- not a third party agency. This is not right and it is a violation of the fair credit reporting act. I also stated that the Credit Bureaus needed to provide me with copies of all documentation associated with these Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. they have not provided me with this information at all, I also stated to them In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, to please provide the names and business addresses of each individual with whom you verified so that I may follow up. which they have not done so either, they just state that it has been verified as accurate
Product: Credit reporting or other personal consumer reports

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 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 has violated my rights. 
I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The TransUnion website has been dysfunctional for a number of days. I've been trying to place a freeze on my credit on the TransUnion member website and it inconsistently returns various errors. When trying to place a freeze, I receive the error " we're having technical issues retrieving your credit information. Please try again later. '' I've been trying for days to make this happen to protect myself from the recent breach. I tried again today and suddenly my account is temporarily suspended " because we can not verify your information at this time. '' despite using the correct username/password. They have older copies of my History available but the website errors when I try to generate an updated free report. TransUnion is a huge disservice to everyone who has their credit history on file with them and we deserve better. 
XXXX and XXXX works flawlessly.
Product: Checking or savings account

I recently started banking with Experian using their new checking account. A week after opening my account and depositing, my account gets flagged as XXXX and my transactions are completely blocked. 

I called in XXXX times asking for their XXXX  department and both representatives told me that XXXX not able to contact that department. So I asked them to validate the fraudulent activity is false and I confirmed my XXXX and the transaction attempt and Experian said my account must remain frozen for XXXX hours. 

So because I wanted to go to the grocery store my XXXX XXXX was blocked and now XXXX cant use my money nor contact anyone to help fix the issue. They told me specifically its the system, and we have to wait XXXX hours. 

So now if an emergency comes up, I can not do anything at all because my money is frozen. Horrible user experience. Horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : On XX/XX/2022 I presented check # XXXX from my account at XXXX XXXX for {$45.00} to XXXX at XXXX XXXX XXXX, XXXX LA XXXX. The check was declined by TeleCheck with denial record # XXXX. I received a receipt that provided a phone number to call to have TeleCheck advise me of why the check was declined. 

I spoke with a customer service representative at TeleCheck. I provided her with the denial record number, my name, my address, my phone number, the banks routing number, my account number and my check number. I had difficulty understanding what she was saying and ascertained that the call center was not located in the United States. She advised me that the check was rejected because I didnt have any history in TeleCheck and she added my information and the next time I would write a check to a merchant who uses TeleCheck my check would be accepted.

I told her I didnt want to be in the TeleCheck data base as I dont know who they partner with and would need a Privacy Policy from TeleCheck as they now have personal non-public information ( bank name, routing number and account number ). I subsequently learned that TeleCheck is a Data Broker, as defined by the FTC, and sells sensitive customer information to third parties. She informed me that I volunteered that information and it was in the system. She refused to send me a Privacy Policy. I told her that I provided the information under duress as she said it was required to find out why the check was declined. This was a lie as the denial code would have been sufficient to provide that information. I believe that it was a premise to get information that I ordinarily do not provide without a Privacy Policy. 

I then asked to speak with a supervisor and was connected to XXXX. XXXX stated that she couldnt give me a Privacy Policy at which time I asked that she delete me from the data base. I asked her to provide me with a written letter explaining the check denial ( would take 30 days ) and also a copy of TeleCheck history ( would take 15 days ). 

XXXX provided me with an address to write to with my complaint. It is listed above.
Product: Student loan

I applied to aidvantage in XXXX. My loan is currently with XXXX from XXXX federal student loans criminally sold to XXXX. 2 mnths after I applied for consolidation, they denied me for having an active judgement. I applied for XXXX  XXXX bankruptcy protection in XX/XX/XXXX. Of which ended in XXXX of XXXX, almost 4 mnths beforehand. Every attempt to resolve this problem has went unsolved. Ive waited 2 mnths for an application to reapply which hasnt been mailed to me. I just need help to reapply with a company that will consolidate my loan. This site will not allow it even after 6 months of waiting and having to deal with Aidvantage. They are part of the problem with predatory lending, yet somehow they are once again forced upon me. They will be the reason my loans go unresolved and deferred. Please send a link to apply for direct consolidation through another company. My first complaint wasnt read. I recieved a email that stated absolutely no help XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion have not allowed me to access my credit report online for over three years. They are the only bureau that is currently reporting an item that has in dispute with XXXX XXXX as negative impact. I can not dispute their report online, the site list identity verification failed ( they did not provide any question for verification, I even validated the code they send via email ). 

This inconvenience is making it difficult to dispute inaccuracy, I have also asked Transunion to correct my name, I do not have any aliases I only go by XXXX XXXX XXXX XXXX my legal name ) ; XXXX XXXX is not my name ( it is the company incorrectly dropping part of my last name )
Product: Credit card

APPLE CARD/GS BANK USA ( credit card ) Date opened. XXXX XXXX Date Closed XX/XX/2024 Amount {$2200.00} This Company has verified account as accurate after I have complained and disputed.
Product: Credit reporting or other personal consumer reports

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 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. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXXXXXX 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 The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I came across the CPFB lawsuit where Experian was sued for unlawfully failing to properly investigate consumer disputes. Experian was accused of not taking sufficient steps to intake, process, investigate, and notify consumers disputes, etc I feel I have been negatively impacted " hurting '' my chances after receiving a response to my earlier dispute that the accounts were verified. 

Please furnish the documentation and how the dispute investigations took place or delete.
Product: Student loan

I am under a Public Service Student Loan Forgiveness program with MOHELA. As of last week I have 99 qualifying payments with my current employer, XXXX XXXX. On XX/XX/2023 I submitted IRS W2 Wage and Tax Transcripts for years XXXX proving 24 months of previous qualifying employment. As my former employer is no longer in business, I sent MOHELA W2 documentation from the IRS, but MOHELA is not counting the W2 transcript towards my loan forgiveness. The two years provided would have me above the 120 payments required for forgiveness. 

I have multiple correspondences via message on their site and phone calls. I attempted to ask why they would not accept the IRS documentation multiple times ( most recently XXXX and XXXX ) and received this response : " We apologize for any inconvenience. If youre unable to obtain a signature from an employer for your XXXX XXXX XXXX XXXX ( XXXX ) application, you must check mark the box on the bottom of page XXXX that indicates that you can not obtain verification. Once that box is checked, your employer will not need to fill out section 4 on page 2 of the application. However, in place of the signatures in section 4, you must submit both W-2s and paystubs along with the PSLF application. '' " If youre unable to provide both W-2s and paystubs, we can accept either the W-2 form ( s ) for each calendar year or paystubs/deposit records for each month of employment. Please note the IRS Form 1040 or tax transcripts that dont include W-2 information are not acceptable proofs of employment. '' " If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday 7 a.m. to 8 p.m., Tuesday and Wednesday 7 a.m. to 7 p.m., Thursday and Friday 7 a.m. to 5 p.m. CT. '' Thank you, MOHELA '' It has been 6 days since I pointed out that the form I sent has the W2 information on it ( not a 1040 ) directly from the IRS and I have no response from them. I am currently awaiting more transcripts from the IRS for my previous employer for the years XXXX. 

I fully respect and appreciate the PSLF program, but I feel it is unnecessary to be punished to pay more just because my previous employer doesn't exist and can't sign off on my employment. Thank you for your consideration.
Product: Credit card

I made a purchase a Conn 's Home Plus in the amount of {$3200.00}. The order was canceled within 24 hours and no delivery of merchandise occured. As of XX/XX/2023 a pending charge is still active on my account. When I called Conn 's approximately 1 month later, I was told it can take more than 30 days to release the pending charge. I have also contacted the issuer of the credit card for the store, XXXX XXXX  and was told they can do nothing. I asked repeatedly ( via chat ) if XXXX allows the practice of merchants holding pending charges for this long and never received an answer. Even hotels release pending charges in a timely manner and I am not sure why it takes so long or why a merchant is permitted " months '' to release a pending charge. 

XXXX XXXX {$320000.00} Purchase on XX/XX/2023 XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

XXXX is the worst company I have ever worked with. They ended my forebarence at the beginning of the year because they said I graduated or dropped out of school. I contacted letting them know neither of those were true and that I am still a full time student at my college. I have now contacted the twice with ZERO answer and they have taken money out of my bank account twice, overdrawing both times. They dont care about anyone. They ruin lives and I dont know what else to do. I cant keep paying XXXX a month to a company that wont listen to a word I say. Attached is a picture of my current school schedule proving Im a full time student.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 


CREDITOR NAME XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXXXXXX/XXXX {$560.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$400.00} XXXX, XXXX XXXX/XXXX/XXXX {$1000.00}
Product: Checking or savings account

I probably did not select the correct options, but that is a problem with hard coded web pages in the first place. My issue is that one Friday, XX/XX/XXXX, I received multiple emails from Capital One on each step of the opening of my XXXX Checking account. 
The problem is I did not apply for or open any account with Capital One. I have received an Application ID : XXXX. 
Another email provided the following information : <my name> XXXX XXXX Routing number XXXX A search online shows that is the correct routing number for Capital One. Obviously the last four only for the checking account number is useless. 

I made frequent calls to different phone numbers for customer service for Capital One. They were all useless and a couple were downright rude. They want my social security number. I did not open any account with them, I am not giving out my social security number, and since someone else is trying to open this account, how would my SS # be any use to Capital One looking up my account? Once said I need to go to a Branch, this could not be solved over the phone. There are not any branches within XXXX miles of me ( branch locator on their web page ). My situation was never escalated to a higher tier or management. This is absolutely ridiculous. Normally I would not believe the emails as they could be phishing attempts, but checking the web page certification shows it is certified by XXXX to Capital One Financial Corp, XXXX Virginia. Which all seems legit. 
I would like to know what recourse against Capital One I can take. I'd like affirmation this account has not been opened in my name without my knowledge or consent. Any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, I received my updated credit scores from Equifax, XXXX  and XXXX. My FICO 8 scores are showing the following : Equifax - XXXX ; XXXX - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : Equifax - XXXX ; XXXX  - XXXX ; XXXX  - XXXX. When I asked Equifax why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, Equifax and XXXX   should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that Equifax and XXXX is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I received a letter on XX/XX/21 stating I owed {$3000.00} from Nelson Cruz and Associates. The company they represented, XXXX XXXX, is the claimant. 
I have never had any services rendered from this company. I sent a letter ( attached ) demanding they remove my name from this debt.
Product: Debt collection

I received an alert from a credit report stating I had potentially negative activity. After looking into it, I found an account from BC Services. I have never been contacted by BC Services, not by phone, email, or mail, so have no idea what this charge could be. I contacted the company that BC Services was supposedly collecting for, and they were able to tell me that my balance had been paid in full. Additionally, I do believe that by law, it is required to receive notice that debt is being transferred to a collector, which I never received. At this point, I was pretty sure this was at least an error, but gave them some benefit of the doubt. I called BC Services to solve the situation and they immediately asked for my social security number. I declined, and they claimed they were unable to help me as a result. Throughout the phone call spoke to 3 customer service agents each becoming more and more rude, providing me no information at all, eventually hanging up on me. At this point, I am fairly certain this is a scamming operation. Very perturbed that this has gone so far as to impact my credit score, especially after no communication whatsoever from " BC Services ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to freeze my credit with Experian. they say I have to mail all my personal information to them and won't do online. I have tried to call them but they just hang up on me. I want to freeze my credit as I feel my personal info has been compromised. XXXX and XXXX have both froze my credit and this company is doing nothing but giving me a hard time. I filed complaint prior with XXXX   and you guys got them to fix. Experian just mailed me a letter telling me nothing??? Can you jump on them and get them to lock my credit so nobody uses my info. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called IC Systems and spoke to XXXX XXXX. Explained that a debt had been reported to my credit bureau incorrectly.I explained I wanted the debt removed from my credit bureau due to me not being responsible for this debt. He told me he could not remove it, he said his client XXXX XXXX is who he is collecting on behalf of. He advised the only way to remove a debt was for the debt to be XXXX XXXX   out. Said he would send his client a letter to validate who the responsible party was for this debt, but could not remove any information until he heard back. When asked how long before I would hear back, he explained he didn't know. Then told me to call them back in a couple of weeks if I didn't hear from them or if I hadn't received any correspondence from their client, who was the original creditor. I asked why i had to wait, since I was not the one that owed them any money. He didn't know.