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

The debt that XXXX XXXX XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX . The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the behalf of XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX .
Product: Credit reporting or other personal consumer reports

I've been trying to get access to my experian account for that last 5 weeks. I've called several numbers listed on the official website for assistance, all go to their automated system that can't verify my information and refuses to transfer me to a representative to get assistance. Their automated system won't verify my identity or text or call me with the verification code they require to gain access to my account. I've tried several times to reset my password failing each time as their system won't text or call with the code they require.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute Regarding Account Reporting Errors for XXXX XXXX  XXXX  Account ( # XXXX ) Dear CFPB, I am writing to follow up on a previous dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account. While XXXX and XXXX have updated my account to reflect accurate payment information and removed the late payments following their investigations, Equifax has yet to make these corrections. 
I respectfully request a detailed description of the investigation process your agency followed regarding this account, as required by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( 7 ). Credit reporting agencies are obligated to provide this description within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed that this account continues to inaccurately report late payments on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX To the best of my knowledge and records, I have consistently paid this account on time, as evidenced by the payment history provided by XXXX and XXXX. I have attached copies of these credit reports for your review. 
Additionally, pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must contain accurate information and should not include incorrect payment history data. The inaccurate late payments are negatively affecting my creditworthiness, and I request an immediate investigation and correction of these discrepancies.

To aid in your investigation, here are the details of the account as reported by Equifax : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : Paid Account Status : Open Payment Status : Current Two-Year Payment History : Reflects late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I kindly request that you provide a detailed explanation of the reasonable procedures you have followed under 15 USC 1666 ( b ) to ensure accuracy, as well as any verifiable proof of these late payments. This proof should include dates, amounts, and relevant communications indicating that these payments were made late.

If Equifax can not verify the accuracy of these late payments, I expect the account to be updated to reflect the correct status of " Paid As Agreed, Never Late '' immediately. Please ensure that these corrections are made and provide a written confirmation of the updates. 
Your prompt attention to this matter is crucial, as the FCRA requires a timely investigation and resolution within 30 days of receiving this letter. Failure to do so will be considered a violation of the FCRA, and I will be forced to escalate this matter further. 
Thank you for your understanding and cooperation. I look forward to receiving your response and a resolution to this dispute within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Consumer Loan

We bought a condo in texas-needed a line of credit to pay for condo while the other XXXX sells ( need money for XXXX-90 days ) Were told it would take 45 days. Problem is we made a purchase of the new condo being told we would be able to get $ XXXXtowards purchase. We went ahead gave all our information as needed-as we proceeded they continue to ask for more and more information repeating much of the same questions- They also kept lowering how much money they would loan ( from {$300000.00} to {$200000.00} to {$170000.00} and finally {$60000.00} ) We had to constantly call them because most of the time they would not call us back as they said they would. Now just to let you know we have excellent credit XXXX homes paid for worth {$750000.00} and investment of over {>= $1,000,000} we explained we only needed the funds for a short period of time not a mortgage - we felt we were being avoided. We had {$2700.00} dollars on the line and no commitment, thank XXXX we were able to obtain a line of credit against our investments otherwise we would have lost the deal and our money We have several accounts with Chase bank that is why we went to them and am sorry we did. I would not recommend them to anyone and furthermore question further use of their bank.
Product: Debt collection

this company, XXXX recovery, calls me every-single-day, using different numbers each time -sometimes as early as XXXX am - these are just a few of the numbers they use to call me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account # XXXX reference number # XXXX. My rights enacted by the FCRA, FBCA and the Privacy Act are in violation by the unaffiliated third parties I have a complaint with. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported which is falsely being claimed by Barclays. In addition, I have late payments that are being listed that were never verified and violates my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of corporate compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. This report is not only damaging to further business transactions, it has also caused hinderances in personal transactions as I have been denied an extension of credit which is affecting my general welfare. This leaves no other option than to take this to feral court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Debt collection

This business is claiming that I owe them 6 payments of {$35.00}, for a total of {$210.00}. This is incorrect. I ordered 1 item from XXXX that was {$35.00} back in XXXX and they charged me 7 times for the one item. I talked to my bank and we allowed 1 charge to go through, because it was correct. But the other 6 charges were not, so the bank did not authorize them. Now XXXX has sent a nonexistent debt to TRS recovery services, and now they are sending us letters claiming I owe them money. I have called multiple times and have been unable to get the issue resolved.
Product: Mortgage

Loan Servicer made an unauthorized withdrawal from my checking account, then returned the money. Now the platform will not allow me to pay by check while online. I called twice and they will not resolve the problem.
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX XXXX XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Diversified Consultants is contacting repeatedly through out the week and multiple times a day. I have advised them i am having financial hardship but am working very hard to pay down all of my debt. They are continuously calling while I'm at work even though I have asked them to stop. Today XX/XX/XXXX I advised I was submitting a formal complaint. I started to pay down my debt starting in XX/XX/XXXX. Even though I am not paying large amounts, I am trying. The following is a list of all the calls I have receieved in the past 2 weeks, I have saved the screenshots and have the managers name, they are calling from three different phone numbers. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX & XXXX. XX/XX/XXXX XXXX XXXX. I have advised I do not require a settlement, I am willing to pay the debt in full, I just don't have the spare funds. I have rent and more pressing debt which is my priority.
Product: Credit card or prepaid card

American Express refuses to redeem my points for a statement credit for travel purchases made. Its been over a month and they still tell me theres and error somewhere in the process. I have qualifying purchases and they refuse to correct the situation and credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an e-mail on XX/XX/2019 from my state farm agent who informed me the roadside assistance was being removed at my renewal. I used the roadside assistance 7 times in the last 3 years and because the average household uses it once every 3 years it is being removed. I was informed by this e-mail there is nothing that can be done to reverse the underwriting decision. I then received this information by mail dated XX/XX/2019. Both documents included the dates of my roadside claims. I was informed by my state farm agent that because the coverage is very inexpensive it would only save about {$1.00} a month with it being removed. The state farm agent did pend the records to check back in a years time to see if it can be added back on. I enjoy and rely on the roadside assistance and having it removed without a second option such as adding on a frequent use roadside assistance program is upsetting as a consumer.
Product: Credit reporting

I called Equifax on XXXX/XXXX/15 to report that I had been a victim of identity theft and to ask them to place a fraud alert on my credit information. I also asked for a copy of my credit report so that I could check the information. I was never told that I was entitled to a free copy and I was charged {$29.00} for the report. Yesterday, I received a letter from Equifax telling me that as a victim of identity theft, I was entitled to a free credit report. I called Equifax and they refused to refund my money. I think this is a scam -- they should have informed me of my rights up front.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 2 requests CERTIFIED to both Experian and XXXX XX/XX/2020 and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice of delivered. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation
Product: Student loan

I have been trying to get an application completed for the TPSLF program since XX/XX/2021. When the loan was recently transferred to Mohela, issues are not getting resolved and I am not able to communicate with them at all. They now have even stopped the email message option through their website- but their letters and updates aren't correct. They state they will get back to you in 10 days and its been well over 30. I also have to wait well over 5 hours to get anyone on the line and they usually know nothing so then I have to wait ANOTHER hour for a supervisor who then will provide the same lame excuses and blame the department of education. This is ridiculous- I have been a state employee for 12 years, there is no question I meet the requirements. Also, I have paid on my loans on time for 20 years!!! 

I have done everything MOHELA has asked, I even reapplied like they stated I needed to. There are still payments not being counted correctly and they are not processing any of our paperwork. They refuse to do anything with these payments other than blame the Dept. of Education and I get stuck in the loop.
Product: Credit card or prepaid card

A Discover Credit Card Acct # XXXX was opened XX/XX/2018 without my knowledge or consent. When I learned about the account, I contacted Discover and told them and was promised they would complete and affidavit of fraud and remove the account within 30 days from my credit files. Discover never sent any documents and then started reporting the account as late payments a few months ago and destroyed my awesome credit score causing a 198 point downward spiral. 

The company did not remove this account despite being told that I suspected that one of the employees at my apartment building, who has since passed away, is who I suspected of having done this, though I was not certain and had no proof.

I have disputed and challenged this debt multiple times, yet Discover continues to report the account and is unwilling to remove an account they know is not mine. All of my credit cards and accounts that I have present perfect payment histories. This account has caused me to have to pay higher interest rates and resulted in one of my accounts to have a credit limit decrease based on my current credit score. 

Please remove this fraudulent account immediately from all of my credit files.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX last 4 ss # XXXX After filling complaint with XXXX XXXX reporting agencies Wells Fargo and XXXX XXXX continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's XXXX XXXX contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. Wells Fargo act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 

Account : XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full XXXX XXXX dollars in XXXX. I disputed this with Experian, and they did not update the account. This is not in collections, and it was paid in full. Please see the attachment.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial XXXX As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

^^^^^^^ Dear the " '' governor '' ''. I am **XXXX  XXXX . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 submissions of disputes in regards to my identity theft and non action from the credit reporting agencies, I have no question but to submit this complaint as I have submitted everything according to there corporate policies and FCRA 605b. in regards to Identity theft.
Product: Credit card or prepaid card

I've had a Wells Fargo credit card for almost two years, always made my payments on time and never had any issues. A couple of days I received a message saying that they increased my credit limit to {$4000.00}, but the next day after they raised my credit limit my account was closed without any reason, I call the bank and they said I was going to receive a letter explaining why. I received the letter today and it did not explained anything, so I have no clue why they just all fo the sudden close my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit card or prepaid card

On XX/XX/2023 I received an Email stating that a hard inquiry hit on my credit report and a chase email saying my application for a chase credit card is being reviewed. I knew then that someone has tried opening up a credit card with chase using my information. I do not know how they got it but they did. I called Chase on XX/XX/2023 to confirm that an application has been made and they said yes and I told them I needed that application closed and the hard inquiry out of my credit report. The lady on the phone was sympathetic and did as I asked. She said ill have an email in 5-7 days regarding the fraudulent application. I felt that i needed to report this here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately