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

Hello my company complaint is in response to Equifax '' s response to my complaint against their company.
I am attaching at copy of the companies response to me from the first complaint that I made.
In their response to me they claim that I was not specific in what my complaint was.
I do believe that I stated in my first complaint that   XXXX   shows up as a " HARD INQUIRY '', on my credit report.
It is a fraudulent inquiry that should not be on my credit report. How specific do I have to get?
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Cause EQUIFAX clearly stated that " The disputed   XXXX   XXXX   account is currently not reporting on the Equifax credit file ''. So they clearly have acknowledged that I was clear on what I said in my first complaint about it.
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EQUIFAX still has not removed the said HARD INQUIRY from my credit report. As a matter of fact, EQUIFAX said that they will not remove the said inquiry from my credit report because they did not receive the said document from the creditor themselves. Which has been the issue all along.   XXXX   has not just sent the said document once to them but twice now and they claim that they did n't receive it. And I sent it once already as well via email that they provided me with. They still claim that they did not receive that email from me. I also attached it to the first complaint that I had filed. They claim they see it in their records but yet still refuse to remove it because it did not come from the company itself.
HINT .... why I filed the first complaint!
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EQUIFAX did make good on updating my name. That they did do, But they DID NOT make good on removing the said HARD INQUIRY from my credit report!!!!
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Here is a copy of their response to the first complaint I filed ... ... ... ..
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Company responded STATUS Company responded on  XXXX / XXXX /2017 RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. The disputed   XXXX   XXXX   account is currently not reporting on the Equifax credit file. Your name has been updated to   XXXX   XXXX   XXXX   on the Equifax credit file. Your current address is currently reporting correctly on the credit file. A 90 Day Fraud Alert is currently reporting on the Equifax credit file. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at (  XXXX  )  XXXX .
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( I call this number that they left for my in their response to my complaint and I do not and did not get anywhere with them either ).
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 demanding to be deleted immediately : 1.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 2. Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 3.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report 4.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Credit card or prepaid card

Made a payment on the account for XXXX XXXX of {$700.00} on XX/XX/2022, payment immediately cleared my bank, now 15 DAYS later the business is still holding this payment against my available credit. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/05 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management, I see like all the rest of those who do what you do that you don't do your homework, the letter you sent me will not be accepted nor will we act on as we previously requested from XXXX a copy of the bill of sale which by law I am entitled to receive but to date have not. 
I know you just randomly purchase debt without even knowing the background of the debt in question, and as I mentioned earlier that I had requested a copy of the bill of sale but also a copy of the letter which by law I was supposed to receive indicating that they were going to sell this debt, to date I have not, only a letter of the fact after the sale occurred. 
It looks like arrogance seems to get in the way for people who think they are above the law. 
The best way to get sued is to attempt to collect this after I have given you the details of the facts, I suffer from XXXX and any pressure from anyone will be handled by my attorney including any damage done to me by you either financially or physically byway of mental pressure.
Product: Credit reporting

I received a copy of my Equifax credit report. The credit report showed a credit inquiry by XXXX, XXXX, and Equifax Mortgages that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have asked that this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. I have asked so kind as to forward me documentation that they have had the unauthorized inquiry removed. 
Or if they find that I am remiss, and they did have my authorization to inquire into my credit report, then please send me proof of this. 
Equifax is refusing to investigate unauthorized inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Spoke to a Representative from American Express name XXXX just now ( XX/XX/year> ). 
Asked her why am I being billed for XXXX? First of all I told her that one I never used the card and I never renewed my membership fee. So she when to check to why I was being charged. She later on, said that it was American Express that was charging me. No charger from any stores we're made. In my head if I did not pay for the membership fee it means that I can no longer use the card to charge with. American Express is asking me to 3 years of membership fee. I never used the card for those 3 years and I never activated my membership fee.
Product: Debt collection

About a year ago, in XX/XX/XXXX I had to go to XXXX hospital for XXXX, that day I made many XXXX and they asked me would I enter for more XXXX, I had health insurance with XXXX XXXX XXXX XXXX FL, but there was test insurance does not pay and for that reason the Hospital sent me to collection, affecting me the credit
Product: Credit reporting or other personal consumer reports

XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.XXXX XXXX : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX FEDERAL CREDIT. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. XXXX Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of First XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX tXXXX XXXX XXXX subsidiary that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have two student loans serviced by Navient. In XXXX of 2018, they applied a forbearance to both loans, when I was unemployed and unable to pay the monthly balance, which I have learned may not have been in my best interest. 

The loans are back in repayment status, and I find myself in the same situation. In XXXX, I paid an amount less than what was due. I answered their request to resolve the matter, and their solution was to enroll in a six-month interest payment program, which required an additional payment and autopay enrollment with a debit or credit card. They made a calculation of what that monthly amount should be. I don't know what they based that calculation on. 

Aside from food stamps, I currently have no income. Enrolling in credit card auto payment would result in more debt with higher interest rates. 

They had no other options and said my case would be turned over to a debt collector if I did not accept that offer.
Product: Credit reporting

I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.
Product: Credit reporting or other personal consumer reports

I requested bureaus XXXX, Transunion, and XXXX to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.
Product: Debt collection

I see that I have error on my EQUIFAX. I have 3 collections in EQUIFAX, in XXXX I have XXXX collection please immediately delete error in my equifax report. I have attached documents
Product: Mortgage

Good day! 
We would like to ask for your help to expedite the short sale approval for this property. We have been working with this file since XXXX but until now we are just getting back and forth and SPS will always find ways to extend the time of review. We really don't know why it takes time for them to approve because the value of the property is at {$80000.00} and our sales offer is {$83000.00} which is higher than the value of the property. 

We hope to get the approval letter this week. I also escalated this to their ombudsman dept. 

Thank you!
Product: Consumer Loan

MY NAME IS XXXX XXXX XXXX NUMBER WITH TDBANK XXXXI BUY A CAR XXXX XXXX IN 2009 ..THE STAMENT NO ARRIVING ON TIMEI TALK WITH REPRESENT ABOUT MY CASE ... BUT NO HAVE HELP.. IN XXXX OF THIS YEAR..THEY OUT MY CAR..I HAD THAT PAY MUCH MONEY FOR XXXX, LATE FEE AND MUCH..THE TDBANK NO HAVE THE LOAN FOR CAN SEE FOR INTERNET AN D I CANOT PAY ..IN TD BANK NOTHING BODY HELP ME..IN XXXX I WAS OK..BUT NOW THEY SAY HAVE THAT PAY XXXX. I KNOW NOT FOR WATH.. 
IN DEPARTMENT OF LOAN ONLY TALK XXXX AND MY XXXX IS NOT GOOD FOR EXPLAIN..I NEED SOLVE AND MY TITLLE OF PROPIETARYTHANK YOUXXXX XXXX XXXX XXXX
Product: Consumer Loan

I shopped at amazon did get a credit card from them by way of XXXX. got a notice I owed XXXX dollars XXXX years ago. asked for the bills that demonstrated this purchase. many times, they promised always -- at that time it was crown assets who had the account now p and c XXXX ... no one ever sends it ... if I get it, and it is mine I will pay it ... now they say they are getting a judgment.
Product: Credit card

I applied for an AVANT CC. They sent me an email that said it was sent. This card was activated and I never received it. I asked for a new one, I still didn't receive it. I have been trying to get them to cancel it and they won't. It is still not activated now, but it has been well over the XXXX weeks you have to wait to file a not received complaint. I don't know what to do. 

It isn't active now but it still saying I have the card. 

Their customer service is horrible as well. They are rude. They don't help and they blame you for the issue. They are from another country as well and don't realize the mail runs on Saturday. 

They just repeat themselves ... " It takes 10-15 days ... '' even thought it has been two months since I originally ordered the first card. Between the CC company failing to get me my card saying they can't overnight it or send express even though I have had to order two and not received them, and their super poor customer service, I don't know how they are in business. Even getting to them through email is impossible. They responded a week later and the email wa just letting me know they received the email. Nothing more. A WEEK LATER! I would stay far far away from AVANT.
Product: Credit card or prepaid card

I contacted First Progress Platinum Card through their customer service number provide on the back of the card in XX/XX/2021. ( XXXX ). I spoke with a customer service representative regarding the account and stated the I wanted paid the balance and clear the secured credit credit account and removed the card from my credit. The representative stated that he would not take the {$190.00} payment and the account was turn over to collection through they are reporting to the credit reporting agencies. I asked which collection company so I could handle the matter, the representative refused the give the collection company information. I have been unable to pay the amount for months and they refused to resolve the matter.
Product: Mortgage

Hi I was contacted by a loan officer at Loan Depot named XXXX and he's a XXXX.  He tried very hard to get me into a 10 ARM even though I said that was not what I wanted.  When I pressed him that I wanted a 30-year fixed he said "great news, I can put you in a 30 year fixed that's "only" $XXXX more than the payment you have on your loan with 27 years left.  And I wasn't taking money out!  The closing cost was XXXX but great news he'll knock XXXX off and roll it into the loan!  So he wanted me to pay $XXXX/month higher and do so for 3 extra years.  He called me again today.  That's how I got his name.  He's scum.  Mr. XXXX (XXXX) email address is XXXX.   I'm obviously not going to do business with him or his company.  I just want people to know that this guy sounds like a XXXX.
Product: Student loan

I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2009, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
Product: Credit reporting or other personal consumer reports

States account is charged off, however it shows as debt. If it is charged of I should have received a 1099. Improperly listing as a debt yet charging as income is a violation, without providing a 1099 as well.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX legally residing and working in the XXXX. Each month I send money from the XXXX to my father in the United States to pay for my health insurance coverage. Funds are always sent via MoneyGram and, when sending, I am required to present both my US Passport and XXXX XXXX XXXX XXXX XXXX of Registration ID card as verification of identity. My father also has to present identification documents when picking up these funds. There has never been an issue with a money transfer until now. 

On XX/XX/2021 I initiated a MoneyGram International Money Transfer through XXXX XXXX a MoneyGram Authorized Agent at XXXX XXXX in XXXX XXXX, XXXX for pickup in XXXX XXXX XXXX, Texas, United States. The transaction was accepted and receipts were provided, along with a reference number. However, once my father attempted to pick up the funds, he was informed that additional information was needed and was referred to the sender for additional information. 

On XX/XX/2021 I contacted MoneyGram and was informed that my transaction was blocked due to " the destination country being classified as high risk due to numerous fraud reports being made. '' No additional information was provided. I was informed that a refund would be issued and no further assistance would be available.

I have since attempted to pick up the funds which MoneyGram claimed was available for a refund to no avail. I have also attempted to contact MoneyGram and they refuse to provide any additional information pertaining to this situation.

Respectfully, I request intervention from the CFPB as I believe MoneyGram failed to deliver on a legal money transfer order. Documentation for this transaction and all transactions I have made through MoneyGram can be provided to establish the legitimacy of the transactions. Further, I request that my transaction be sent to its intended recipient without further delay, or that a refund and compensation for my inconvenience be made available to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped 62 points once finance says reported information. My credit score should have not dropped that many points
Product: Credit reporting or other personal consumer reports

I did a dispute with XXXX concerning a XXXX XXXX account. The account is closed and was already paid for because they wrote it off. It's against fcra regulations because it shows a balance and closed Plus monthly payment schedule. I have tried to resolve this through them and they keep putting it right back up within a day or so and I know it takes longer than that for them to do their job so therefore they are going by previous doings. I can not get nowhere with these people and I know there's a lawsuit against them over this kind of stuff and I ask that you take that into consideration also when dealing with these people.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions are authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I Believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.