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

I recently contacted Equifax and also filed a previous complaint with Equifax back in the beginning of XX/XX/XXXX the company told you that they were working on getting back in my account and also having it to where I could access my credit file online with my confirmation number. I was required to fax the disputes department my personal identifying information to remove wrong and inaccurate name and address from my credit file. I did that and they removed it but on XX/XX/2018 I received an alert where the information has been reinserted. I tried to go online and here again Equifax has blocked me from seeing my credit report online. I am unable to dispute anything online or even see my credit file for that matter. After trying for the 10th time in two months to access my file online I get the same error message that says the information you provided does not match our records. When I clearly gave them everything they asked for which was my social date of birth and address. Yet and still I am unable to get on my report. There are several address that I have told them and sent proof that I have never lived at those places and one of the addresses are actually not even a real address and yet it keeps reappearing back on my credit file. Every time I call them they tell me that only one address is showing but on my XXXX XXXX all of the unknown addresses are continuously listed on my credit report. I can't understand why they have me fax in proof of identity when they are still going to let these companies report erroneous information on my credit file. I have told them several times that my file was merged years ago and they still yet let this stuff be placed back on my file. I can not really understand how you all continue to let these companies get away with this. There are so many bad complaints and reviews on this company but yet there is nothing we can do about this and these are the companies that have access to our files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX
Product: Debt collection

I am repeatedly receiving phone calls of harassment, profane and abuse language and threats of prison, jail, violence and death from LVNV Funding for a debt of {$220.00} from creditor XXXX XXXX XXXX XXXX XXXX XXXX. The account and debt was fraudulent and is the result of identity theft. The account is not my account. Its a fraudulent account. LVNV Funding is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

XXXX offered me a forbearance for 3 months on my mortgage because my husband had XXXX. Truist was questioning health concerns which is inappropriate. I stopped payment on XXXX XXXX through Truist and I have a letter from Truist stating it has stopped and a letter from XXXX XXXX stating that they have given me forbearance. Its been two weeks since they took my money out and still havent returned my money. The amount taken from XXXX XXXX was {$2200.00} on XX/XX/2022. I was Granted forbearance on XX/XX/2022 from XXXX XXXX.
Product: Credit card

Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth time asking for an investigation of a XXXX XXXX XXXX   XXXX ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted XXXX XXXX XXXX with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX  deleted the account because they could not verify or provide me with proof. XXXX, and Experian have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. Experian, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show Experian and XXXX  that this account was deleted.
Product: Credit card or prepaid card

on  XXXX /26/2017 - I went to make a purchase on  XXXX  as I did in the past, never had any issue, the sale did n't go true? I tried a few times, till I called the the number on my CC, to find out, that they dropped my credit from   XXXX   - to  XXXX ??? and why???? they say that they received negative information? I told them twice while I was on the PHONE with them that I never had ANY late or ANY missed payments with ANY of my creditors?. they were very specific that it is  XXXX  ... While I was on the phone with customer SERV I also called up   XXXX   ... and they heard that it is a Fabricated LIE, the CC company told me to ask them about an electronic report sent on the  XX/XX/XXXX ??? which  XXXX  replied and the CC COMP. listen to this phone call entirely, that NOTHING was and NOTHING is wrong with any of my Credit Accounts, and NO missed or late payments on any of the  XXXX  CR/BU reports ... .. This SYNCHRONY BANK, sent me a letter which they outline the reasons of the credit decrease which NONE are true. 4 REASONS, NONE ARE TRUE. I will gladly send you a copy of all when and if requested. NOW my question, a COMP. yes could decrease a credit line.. but if the give a reason does n't have to be the TRUTH?. why LIE about it, plus ruin my credit, from here on. HELP! Thank You.
Product: Debt collection

This company started reporting a debt they claim was owed to XXXX XXXX in the amount of {$670.00} I tried to ask the collection ( Ability Recoveries ) to provide proof of the debt along with any supporting documents from the original debtor the representative proceeded to argue with me and threaten to " get their money '' and that the debt was my debt, then proceeded to hang up on me. 

I called back and asked to speak with a manager and was told it would take 48 hours to speak with a manager or supervisor, I was then again hung up on and told to stop calling regarding this matter as " they were going to get the money they were owed '' I continued to demand to speak with a supervisor regarding the matter and was again hung up on several times. 

I called back 4-5 additional times and was hung up on each time and then eventually spoke with someone else who told me that the person who was constantly hanging up on me and threatening me was one of the managers. 

I informed them that i would be filing a complaint with reporting agencies and credit bureaus as this information had not been verified but was being reported on my credit as an open collection, however the debt has been more than 7 years old and I stated that to the collection agency and they continued to argue with me and hang up on me, i asked them to stop reporting the inaccurate information and they stated they would not do that as they had already verified the debt without my verification.
Product: Student loan

Navient services my repayment plans for the XXXX student loans I have. As best I can understand my repayments of this now nearly {$400000.00} student loan debt, I am in an income contingent plan for some loans, in an income based plan for others, and in an undefined ( to my knowledge ) repayment plan for still others. My total monthly payment for all loans is approximately {$880.00}, about a quarter of my monthly income from alimony and any self employment I can obtain. I am over XXXX XXXX XXXX, single, and struggle with every penny to pay for my health care and these student loans. Today, XXXX XXXX, XXXX I called Navient to ask for an explanation of the monthly {$67.00} charge labeled " unpaid fees '' on the paper bill I receive for the loans in the undefined repayment plan. Navient 's customer service rep XXXX stated that I will be charged {$67.00} every month as " unpaid fees '' until all my loans are paid off. XXXX stated that when I pay the {$67.00}, that amount gets distributed " somehow '' across my loans but could not tell me how much or for which loans. She further advised me not to pay this fee and said if I did not I would remain current if I paid {$810.00} each month.
Product: Debt collection

Harley Davisdon financial keeps using a robocaller to call our business and tell us to call them about our financing at their main line XXXX including the hours of operation. When I called them to ask that these automated calls stop, they told me that our phone number was not in their system, but that i should alert the representative when they call us that it is an incorrect number. I advised them it is a robot calling and leaving a message and they claimed they do not do that. Perhaps it is the automated message that plays when it thinks it is connecting to an answering machine instead of a person as our inbound call line goes through a prompt before you get to a person, but it is still having the same result.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and notice an account that was not reporting accurately. I have 1 late payment on an account that I in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, please find an attached copy of my report to this compliant on the following dates XXXXXXXX XXXX. I am requesting that an investigation be conducted and verifiable proof with records showing that I had late payments provided. If this information can not be verified, I demand these payments be updated to paid on time, immediately. Thank you in advance for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and noticed some accounts that I don't know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

The In accordance with the 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. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I financed a used car from Honda financial in XX/XX/XXXX i checked my pay off balanced it was more than the original pay off .During Covid was contacted by Honda financial via email and offered a 2 months relief which i regrettable took. BIG MISTAKE! Honda rock up the interest rate to almost XXXX for the 2 months relief offered by the company .I have some late payments on my account. I wrote to the attorney general 's office for help whom contacted Honda financial. On XXXX XXXX at XXXXXXXX XXXX i got a call from a XXXX the young man stated he is calling on behalf of Honda financial his name is XXXX XXXX he refuses to give his Full name. The call lasted for 1 hr : 03 mins. I have requested over the past 2 years to removed my car note date from the 2and of the month to about XXXX of the month as the XXXX is very strenuous to no avail. I also ask him again on that day to removed the date to XX/XX/XXXX .He stated the only thing he can do is waved {$300.00} from a {$480.00} late fee but i will have to first pay {$180.00} from the {$480.00} in order for him to waved the {$300.00} late fee and move the date to XX/XX/XXXX before XX/XX/XXXX. I paid {$180.00}. on XX/XX/XXXX i sent him a heads up email per his request informing him that i had paid the money so he can go ahead and adjust my account per promise. Today is XX/XX/XXXX XXXX and my account has not being adjusted neither had the date change. I got a letter from the attorney generals office contrary to what i was being told by XXXX XXXX representing Honda Financial .I hate being LIED to and MISLED this totally unacceptable coming from a reputable company as Honda Financial .
Product: Credit card or prepaid card

Comenity Bank handles XXXX credit cards, a merchant with whom I have held an account for decades. In early XX/XX/2020 I made two relatively large purchases from XXXX, just as the COVID-19 pandemic was beginning its grip on the US. As a result, XXXX shut down some operations, and I experienced problems in getting guidance from XXXX as how to handle returns, as much of the referenced purchased product was to be returned. Eventually, XXXX provided a return mailing label, and I returned the product ( received by XXXX on XX/XX/XXXX ). 

I contacted Comenity by letter dated XX/XX/2020 explaining the situation, and Indicated I would make minimum payments each month until the returns were processed - and asked Comenity not to charge interest fees, as I anticipated the value of the returns to clear any balance. No response was provided. 

In XXXX, credits of over {$1500.00} appeared on the XXXX statement. Those credits were not as quite as great as I expected, but XXXX did resolve the discrepancies with me. I contacted Comenity again by letter, on XX/XX/2020, enclosing copies of return-receipts. I pointed out that my initial letter had drawn no response, and renewed my request for interest fees to be waived. 

On XX/XX/XXXX, Comenity wrote, claiming they were unable to verify a return, despite the return credits recently issued on the account statement. On the very same date, Comenity sent another letter - suggesting they were investigating my complaint, and suggesting that process might take up to 90 days. 

I contacted Comenity by letter dated XX/XX/2020 summarizing Comenitys failure to provide a meaningful response. The Bank responded on XX/XX/2020 - again with two letters, one asking me to call Comenity, the other suggesting they were researching the matter ( and indicating that effort might take up to 90 days ).

Throughout, this process Comenity has provided little or no meaningful response to my inquiries, and charged interest to my account - in XXXX, XXXX, XXXX, and XXXX, totaling in excess of {$200.00}.
Product: Checking or savings account

I opened a claim XXXX with my institution ( Bank of America ) on XX/XX/XXXX. It was in regards to various charges made on my checking account ( ending in XXXX ) totaling {$3400.00} to the merchant XXXX, or XXXX XXXX  as it shows up on my account. When I was given my claim decision, it said my claim was not approved. The decision letter I received on XX/XX/XXXX stated " The charge was authorized by you or made by someone who has permission to use the card or account ''. I was not given any further documentation or proof about how the decision was made. I told the customer service representative that I had not given anyone access to my account, card, or bank details. My card is always on my person. I do have a XXXX account, but it was not in use during the year of XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for these two debts XXXX XXXX XXXX  and XXXX, I do not have a contract with these two companies XXXX XXXX XXXX and XXXX XXXX XXXX, they did not provide me with the original contract as I requested, also Equifax did not provide the original contract as I requested! Also, I have attached a copy of my Driver License and copy of my Social Security Card to be identified as Equifax requested!
Product: Debt collection

On XX/XX/2024 at XXXX and XX/XX/2024 at XXXX, I was contacted by XXXX ( XXXX ) XXXX. When answering the phone both times, one time while I was at work (XX/XX/2024 ), and the other time, during dinner with my family ( XX/XX/2024 ), by a representative from Spring Oaks Capital , LLC. I was also contacted by a different number, XXXX ( XXXX ) XXXX, onXX/XX/2024, at XXXX by a representative from Spring Oaks Capital , LLC . Because I was tired of Spring Oaks Capital , LLC, trying to call and harass me, I decided to call back 6 minutes later, at XXXX, after receiving the XX/XX/2024 phone call. After dialing the XXXX ( XXXX ) XXXX number back, they immediately asked who they were speaking with, after stating that the call may be recorded. I proceeded to tell them that my name was XXXX. I asked representative who answered my call who I was speaking with and she stated that she was from XXXX XXXX XXXX. She then stated that she couldnt tell me anymore information until I told them my last name. I proceeded to tell them XXXX. The female representative then stated that they were attempting to collect debt that I owe from a XXXX XXXX Credit Card. I told the representative that I have never had a XXXX XXXX Credit Card, and that I dont owe any debt. I also proceeded to tell the representative to stop contacting me or that I would both press charges and take legal action if Spring Oaks Capital , LLC contacted me again. The number that they contacted was XXXX. According to Spring Oaks Capitals website, that the representative referred me to, Spring Oaks Capital , LLC is located at Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX, VA XXXX, there phone number is ( XXXX ) XXXX, and there email is XXXX. It is a true and a factual statement that I have never opened up a XXXX XXXX Credit Card Account, and that I do not owe any debit to Spring Oaks Capital , LLC. I am requesting assistance to help stop Spring Oaks Capital , LLC from harassing me any further about a debt that I do not owe.
Product: Debt collection

I had identity theft and some XXXX else is using my name and info to open up phone an internet accounts with XXXX XXXX XXXX and XXXX and I already sent in police reports for the identity theft and closed the accounts and have disputed them over and over thru my credit report and they are still on there and now have debit collectors putting it back on my credit an hare assignment for money and ruin my credit score I have worked very hard to fix after the identity theft I've had and I just want them off my credit because they're not mine. They've already proved and showed documents. I don't know anybody any money. I just want them out of my life
Product: Credit reporting or other personal consumer reports

I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it. 

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to 15 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within four business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting. 

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I applied for loan with GreenSky XXXX XXXX credit to pay for XXXX  services from XXXX XXXX. I applied for XXXX credit limit and actually used XXXX. I was expressly told and received in writing that the credit check would be a " soft '' credit check and would not impact my credit score. The credit check performed by GreenSky was in fact a " hard '' credit check and is listed on my XXXX Credit report with a corresponding drop in my credit score. The Company lied. I want this credit check removed from my credit report and my score restored. 

As a footnote - after the XXXX charge was enacted GreenSky called me eight ( 8 ) times to remind me I owed them XXXX. This started the day the amount was charged. This was before even one statement was issued or payment due. It only stopped when I blocked the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my report from XXXX on XX/XX/2023 and XXXX XX/XX/2023 that are not mine. I do not live in Ohio nor have I attempted to obtain retail credit with either of these businesses.