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

Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, XXXX, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX stating the car was paid in full and my title would be mailed in which I did receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been dealing with this issue since the beginning of this year. XXXX XXXX continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to XXXX XXXX that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. XXXX XXXX states that on XX/XX/XXXX I had called to get a new card. If the investigators at XXXX XXXX did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified my data had been breached at Equifax. A temporary freeze was placed on my account. I have tried multiple times to remove the temporary freeze to allow me to refinance my home. The lender will not process my loan because he can not get the Equifax credit score. I have tried at least five time on different days to remove the freeze through the website to no avail. I have called them on different days to no avail and the line was repeatedly disconnected. On XXXX XXXX, I did get to speak with XXXX and she said she could not do anything by telephone. I explained the website did not work and had tried multiple days she told me I would have to continue to try. I explained why I needed it removed and she said she could not do anything. I asked for a supervisor and XXXX told me all she could do was for me to go online to " XXXX '' for more information to remove the freeze which is of course does not help remove a freeze.
Product: Mortgage

We successfully completed chapter XXXX XXXX XXXX. Contacted Wells Fargo to take over loan payments and was told the loan had past due amount of $ XXXX. I got and compared their transaction history ( {$83000.00} ) to trustee payment history ( {$88000.00} ). I sent certified letters to them on XXXX and XXXX and have since made XXXX phone calls to their California bankruptcy department and the issue is still not resolved.
Product: Credit reporting

I have two bankruptcies being reported and filed a dispute along with documentation showing they are being reported wrong. I called into Trans Union to ask the status of my investigation and was told it was verified. I then asked please tell me how this was verified. First they told me they could n't give that information out. After stating that the law states you must supply how it was verified they person said the court house verified with my name, addresses, and social security number. I then stated that was also false since the courts will not verify any information to any credit beauras or third party companies, and also stated that a letter stating that from the court was included in my dispute. I have now sent in a 26 page report from XXXX who provided federal courts info showing that the bankruptcies are incorrect along with a letter from the court stating they wont verify any cases.
Product: Credit reporting or other personal consumer reports

Dates are incorrect closed in 2017 and than reoped with dates changed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are XXXX MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my Transunion score was XXXX. By XX/XX/2022, my score with Transunion was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called Transunion and was told that there was no change. XXXX has done the same thing. XXXX XXXX my XXXX score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with XXXX that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX AND XXXX XXXX XXXX. I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I
Product: Money transfer, virtual currency, or money service

On XX/XX/17 I submitted a support request asking for access to the 20 BTC in my vault. The substance of the request related to changing my secondary email, which would be necessary to access my BTC. Over the next few days I received a number of automated responses indicating there was no solution to this fairly straightforward issue, making my money inaccessible. Over the last two weeks I have sent a number of emails to coinbase requesting attention to my case as it involves a substantial amount of money. So far I have not received any response indicating that there exists any sort of support for existing coinbase customers. I do understand that coinbase continues to sign up new accounts, so it appears resources are only being spent on increasing revenue, at the expense of serious issues facing existing users.
Product: Debt collection

I have disputed with the company and mailed them several letters ... never received anything back. Now there's a lawsuit against me. How if I didn't get a right to cure? That's against federal debt collection practices!! I've contacted attorney general XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. I have sent mutiple letters and received no response.
Product: Debt collection

Zwicker and Associates Never provided any information regarding the validity of the debt they are trying to collect. also they are still trying to collect on the debt. They are now trying to sue me in a civil court in XXXX XXXX Ohio. I have a Hearing on XX/XX/2024. I even sent them a follow up letter to be sure they had every opportunity to verify the debt they are trying to collect. Which nothing has been received still and it has been nearly 60+ days since I sent off the first letter for the validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  HARD INQUIRY- XXXX  I called TransUnion on  XXXX / XXXX /  XXXX   and the Customer Service would not help me remove this inquiry even though its not supposed to be on there.
Product: Vehicle loan or lease

Around XX/XX/XXXX or XX/XX/XXXX I went on the Hyundai Finance site and did a payment of XXXX. This was the amount HF Cust Service told me was the total buyout. 

XX/XX/XXXX - received an email acknowledging my full payment. 

XX/XX/XXXX - Faxed an Odometer Statement to HF XX/XX/XXXX contacted HF Cust Svc - was told they needed the Odometer statement. Faxed it again. 

XX/XX/XXXX - contacted HF CC - was told they needed the Odometer statement. This time we used their secure messaging ( esign ) process. Got confirmation that it was successful. 

XX/XX/XXXX - contacted HF CC - they still need the Odometer Statement. Used their secure messaging system again. Got confirmation that it was successful. 

XX/XX/XXXX - contacted HF CC - they still say need the Odometer Statement. Used their secure messaging system yet again. Got confirmation that it was successful. 

XXXX - contacted HF CC - they still need the Odometer Statement. Used their secure messaging system again. Got confirmation that it was successful. 

XXXX spoke with Cust Care - Asked for a supervisor, transferred to XXXX XXXX she said they still need the Odometer Statement. Used their secure messaging system again. Got confirmation that it was successful. She said she would email the Title Dept and tell them it was okay to release my title and that they should send it out by tomorrow - gave her my email. 

XX/XX/XXXX - Spoke with XXXX. She ask for yet another Odometer statement. We got disconnected??? Called back, spoke to XXXX, she said they are waiting on the Odometer Statement!!! Requested a supervisor and was conntected with XXXX. his ID is XXXX - he said he can see that the odometer statement was received, and assured me I would receive the title in 7 days. 

XX/XX/XXXX - Called, requested a supervison and was connected with XXXX XXXX. She said the title dept was behind so she has been given another way to get the title, via her email. She said to send it to her and that she would attach it to my record so Title Dept can send the title. She said allow 48 hours for processing. 
email to XXXX Sub : Vin, Odometer, Acct # Explain the situation in body of email XX/XX/XXXX Contacted XXXX again. This time I was told that the Title had been mailed on XX/XX/XXXX. Then they told me it had been mailed to NJ, when I told the person that the address was wrong he check something and said he had been wrong and that it had been sent to XXXX XXXX. So now I wait. 

XXXX - called- spoke with XXXX XXXX ask why I haven't I received my title. She checked and guess what, she says it was sent to XXXX XXXX XXXX!!!!!! So now she said I have to wait until it's received in NJ, returned via the USPS process for undeliverable mail, received by XXXX, gets through their mail handling to the correct dept., another title is created, then sent out to me. In the meanwhile, they will send me a release of lien via email ( in 7-10 days ), which does me no good - I can't sell the vehicle without a registration. 

XX/XX/XXXX - filled out this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XX/XX/2018 I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

They call me daily while I'm at work, told me to pay a certain amount ( over $ XXXX ), when original amount I'm not even sure of ... they kept saying I needed to make payments before account went further in debt. I told them my situation, and that I couldn't pay even {$50.00} a month, being a single mom going through divorce and not even able to pay kids daycare or gas in car to get to work, l9et alone my ex husband refusing to help with child support, rent gettin raised XXXX, I owed my son 's school from last summer breaks still and we are getting ready for another summer break ... and They never mentioned anything about the ability to dispute just that's its attempt to collect a debti only that I owed over XXXX. I mentioned I was at work, that I had to g and to call later, and they rushed me on phone, told me that if I paid them {$50.00} a month my debt would go away after 12 months and that was the best they could offer me and that if I didn't accept, it could very well get higher. I askedf they would send that in writing, they said yes and I'd get it in the mail within that month ( couple weeks ) to verify and essentially lock in the agreement. I didn't know I had the option to dispute the amount. I never received a letter with payoff charge or dispute factors. They still call me, every day when I've asked them to not call me between XXXX and without fail, they call me between XXXX daily while I'm at work. My boss pays my cell phone bill. Every time my phone rings at work, he looks at me as if he's going to revoke that amenity. I don't get personal calls during work hours. Only this creditor calls me. And they won't give me any more options anymore. I asked them again about that offer and said they didn't know what I was referring to They won't stop calling during my work hours. I've never been in credit card debt and never knew I could ask for amounts or info on creditors or original amounts. This company didn't offer than info when I asked them when I was very confused about this debt and if it could be settled due to my extreme situation. They were reluctant to offer or settle and I still have yet to see them follow through, when they offered me that {$50.00} a month for 12 months back in XXXX. They also call me on random numbers when I attempted to block their number due to them harassing during work hours. I don't even know who the initial debtor is. Or the original amount.they apparently don't
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX Balance = XXXX 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX are all knowingly report accounts on my consumer credit report without full compliance of the FCRA. 

Multiple accounts reports as verified but still reports accounts is inconsistent with all of the major three credit reporting agencies. Incomplete name and address currently being reported.

Unverified and inaccurate balance and past due amount.

Collection accounts that has not been verified through methods of authentication as required by federal law. 

Old accounts and or reinstated accounts which has not been notified five business days prior as required by federal law Misleading information being reported to damage consumer Credit. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX misleading account name and address on all three major credit reporting agencies including XXXX Equifax and 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 creditors name and address. Violation of federal law
Product: Credit card or prepaid card

American Express Credit card welcome offer not honored. 

I just got off the phone with American Express customer service inquiring about my welcome offer of XXXX XXXX XXXX points for signing up and they stated if I had ever signed up for a XXXX XXXX credit card in the past at anytime that I would not be eligible. However, the terms of the agreement show it's within the last 24 months only. I have already hit the spending requirements so there should be no issues. 

I tried to resolve this with AMEX and they mentioned they reserve the right to deny the welcome bonus for any reason and that I was not privy to the specific reasons why they are with holding the bonus. 

This feels like a bait and switch scam as they advertised a promotional welcome offer and had me sign up and pay a {$450.00} fee and spend {$5000.00} on the card then will not give me a real reason why they won't honor the welcome offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I am demanding to opt out of any reporting of my personal or public information. I have not consented to nor authorized the reporting, housing, selling or furnishing of any information relating to me or any accounts associated with me or bearing my name. Any information whether personal or financial that you are in possession of without consent and have furnished or sold to non-affiliated third parties you are guilty of aggravated identity theft and it's causing me financial harm.

I am demanding the deletion of the public record, the bankruptcy that is currently reporting with your company as you are not able to verify the accuracy of this information. If you can verify this account, please forward me the appropriate information. Otherwise please opt me out from any further reporting of any of my information.

In addition please send me my full consumer disclosure file pursuant to 15 USC 1681g ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.