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

Hello, I am filing this complaint in regards to my Equifax credit report. On the fourth of of XX/XX/2021 I tried to access my Equifax credit report and create an Equifax account ; however, I received the following error code " Please give us a call. We can't complete your request at this time. Please call the Customer Care team and mention error code NH. tel : XXXX XXXX XXXX XXXX '' That same day XX/XX/2021 I called Equifax via the telephone number listed above. They said I needed to have at least three open accounts to receive a credit score, and I should check with the other credit bureaus as well. They said the error code NH meant " No History ''. I then stated that I did have three accounts open ( including a revolving credit account ), and I also have access to my credit score from XXXX  and XXXX. After I stated this, the Equifax employee told me I needed to fax a cover letter ( stating that I need to validate the current information on my file and mention the issue ), date of birth, complete name, address, social security number, and drivers license. 

On XX/XX/2021 I faxed these documents to Equifax about twice ( just to be sure ) to XXXX. On XX/XX/2021 I called Equifax to see if they received my documents and they said they did not receive the documentation. I faxed it again the following day, and called Equifax again on XX/XX/2021 and they said they still had not received the documentation. I would like to get this issue resolved as soon as possible, because I am not comfortable with sending my information again. 

Thanks a lot.
Product: Credit card or prepaid card

On XX/XX/XXXX I used the link provided by Chase to apply for their Marriott XXXX XXXX credit card in order to earn the XXXX points they are contractually obligated to provide to me via their promotional offer. I completed my contractual obligations by charging {$2000.00} to the card within a 3 month period ( in fact I did so within 3 weeks or so ). It is XX/XX/XXXX and still no bonus program points. After numerous phone calls to both XXXX and Chase..Chase who is accountable for assigning said points indicated that my XXXX XXXX card was not eligible for the points they advertised with the card, no explanation as to why And they are running the Exact Same rewards program for that card Now! I simply and rightfully want Chase to complete their contractual obligations to me as I have with them and award my XXXX XXXX account the XXXX points I have earned.
Product: Credit reporting or other personal consumer reports

i have late payments that are not prohibited to be reporting on my report due to the TILA section ( 1666b & 1637 ( b ) ) and FCRA section ( 1681s-2 & 1681 ) they keep sending letters back saying verified but i know they are not doing their jobs. 
the accounts are XXXX XXXXXXXX XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments on whole account which i was not late XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments which i was never late XXXX XXXX acct XXXX limit XXXX XXXX XXXX acct # XXXX limit XXXX and the law that congress passed 15usc 1666 ( a ) & ( b ) a creditor may not treat a ( PAYMENT ) on a credit card account under an open end consumer credit plan as LATE for any purpose. 
please update these and handle in a timely matter thank you. 
unauthorized inquires XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX amount of XXXX law that congress passed 15 usc 1681 i 15 usc 1681s-2 26 u.s code 9816 its unlawful to report medical bills to credit.
Product: Credit reporting

On XX/XX/2017 I sent a letter to Experian in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Experian continues to report this account. On XX/XX/2017, I submitted a complaint to XXXX for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Experian requesting the unverified account to be removed.
Product: Vehicle loan or lease

I would like to start by saying that I have enjoyed a very professional and courteous relationship with Navy Federal Credit Union. The staff is usually available and excited to assist with any issues and or concerns. 

Unfortunately, in this instance I have spent countless hours on the phone with various people including a Supervisor regarding this issue with no resolution. Initially in XXXX we were approved for an auto loan with Navy Federal Credit Union. At the dealership we were extended an offer with 0 % APR. We accepted that deal and proceeded to purchase the vehicle. We then were going to refinance the loan with Navy Federal in XXXX and received an approval on XX/XX/XXXX The decision was made not to proceed with the refinance at that time. 

Navy Federal Credit Union was promptly contacted and advised of our decision. I was advised that the initial check from XXXX was going to be voided and that a subsequent check was going to be sent ; however due to us cancelling the loan it was never sent. Navy Federal Credit Union is now reporting this loan on our credit report. Since this loan was never fully executed this should not be reporting on our credit reports. I have made many phone calls to them and was promised a deletion however it has not materialized. I am concerned about the negative impact that this will have on our credit. We have worked very hard to maintain a positive credit file and need this resolved urgently.
Product: Debt collection

XX/XX/year> NCB Management Services XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I am writing to inform you that I have never received any correspondence from NCB Management Services regarding the debt associated with account number XXXX in the amount of {$7300.00}. This debt was originally owed to XXXX XXXX XXXX. I have no knowledge of this debt and do not believe it belongs to me. 

As a consumer, I am entitled to dispute this debt and request validation. However, I have not been given the opportunity to do so because I have not received any communication from your company. Additionally, I was not made aware that I have the right to dispute this debt. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

My payroll deposit from my employer is never in the account after it is sent to the bank. 

The bank tells me to wait until XXXX until they have a stub from my employer before the money will be available to use. 

The employer sends the payroll two days before the bank will release my money.
Product: Debt collection

Had been being harassed by a fraudulent company called Halstead financial about a payday advance loan via email and text message, I contacted XXXX XXXX and after collecting the necessary information we filed a fraud report and I was informed to report this company after being told that XXXX XXXX does not do business with them. I was contacted today by this phone number XXXX from halstead saying that they are a LLC that works with XXXX XXXX and after telling them what I was told they hung up the phone.
Product: Credit reporting or other personal consumer reports

i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX 2 times a XXXX XXXX  XXXX  2 pay tommorow and 2 XXXX XXXX all is down in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans from XX/XX/XXXX-XX/XX/XXXX. That keep showing up on my credit report. These federal student loans back days over 19yrs. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX of XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # XXXX
Product: Credit reporting or other personal consumer reports

Began mailing in certified USPS letters to Transunion, XXXX and XXXX requesting the 30 day investigation on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have sent six dispute requests in to each of these companies with no follow-up. In fact, they aren't providing me with a human experience or investigation, they keep sending me a postcard even though I sent them my ID and a utility bill which is what is asked in order to open up a dispute. When I call in, I can never get a human on the phone to discuss my disputes. I am filing a grievance over the fact that these companies are mishandling my consumer report and violating my rights to the Fair Credit Act.
Product: Debt collection

On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen XXXX, did not close my account and sold the debt on the stolen card.
Product: Student loan

I tried to make a payment with Navient on XX/XX/19 online. When I went to the website, there was a posting that the site would be down for the weekend for system updates. I called the Customer Service number and received an automated message stating all systems were down for maintenance, including the automated system ; therefore they Customer Service Dept was closed. The call then promptly disconnected. I tried to reach Navient throughout the day on XXXX and was only able to get through the website after XXXX on XXXX. I then submitted my payment. 

Since my loan accrues daily interest, I called the Customer Service number on XX/XX/XXXX to have my payment pre-dated. I was told that was not possible. I then asked for a credit to be applied to my account for the extra interest I would be charged since their systems were down and I was unable to make the payment when I had intended. I was also told that was not possible after speaking with a manager. 

During the weekend of XX/XX/19, Navient made thousands, if not millions of dollars, in daily interest charges by not accepting payments from customers during this time.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax seems to be sending me mail Stating they have researched this and its all accurate in my files Eastern account systems {$1000.00} They said it all matched up and was validated Im enclosing files showing where this eastern account systems added FALSE information on my credit report Both other reporting agencies deleted and blocked this company from ever reporting on me again. Equifax deleted said file and added it back after they claimed to verify the debt Let me show you where it takes two seconds to see they didnt investigate this The day they claim it went to them was on XXXX XXXX Im showing you the cancelled check from my bank, not only showing it cleared my checking account but also that the check wasnt even written until XXXX XXXX So how was it delenquient on XXXX XXXX when it wasnt even written until XXXX XXXX They complete lied to me and you claiming they investigated this when they didnt or a second grader could have seen this was false Im tired of asking them for help when theyre breaking my FCRA rights over this Please see all attached and force them to remove BOTH accounts off my credit file as Ive proven that these accounts are NOT accurate and I dont have to quote another FCRA law to them, I have good credit and this company is bringing my credit score down by XXXX points and putting my business at risk every day this stays on there Please see my proof
Product: Debt collection

In accordance with the FCRA, this creditor Chase has violated my rights, under USC15, 1681 section 602 states I have the right to Privacy.

USC 15 1681, SECTION 604 STATES A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION USC15,1666B STATES A CREDITOR CAN NOT TREAT A PAYMENT ON A OPEN CREDIT PLAN AS A LATE PAYMENT, UNDER ANY CIRCUMSTANCES
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed a Bankruptcy that was on my consumer report with Lexis Nexus, on XX/XX/year> they responded and informed me that they VERIFIED the account with XXXX I contacted XXXX on XX/XX/year> and spoke with a XXXX, she informed me that XXXX does not report any information to Lexis Nexus, so Lexis Nexus LIED in their response to me. I also asked XXXX XXXX to verify and validate this information and provide me with copies of any documentation associated with this account granting them the authorization to report this information which is bearing my signature, and they did not grant my request or provide me with any documentation bearing my signature. I am now coming to you to rectify the problem that I am having with Lexis Nexus and them violating 15 U.S.C. 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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.
Product: Student loan

On XXXX XX/XX/XXXX, MOHELA recalculated my monthly Income Driven Repayment ( IDR ) on the REPAYE plan from {$520.00} to {$600.00}. There was no meaningful change in family status or income. 

I did not request this change, nor was my IDR re-certification due until XX/XX/XXXX. MOHELA did not notify me of this change and could not provide a way to restore my {$520.00} payment amount without waiting to recertify my income. 

MOHELA also continues to display a XXXX XXXX monthly payment on my credit report even though I am in repayment. This impacts my ability to obtain a mortgage.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX is reported as a hard inquiries on my credit report. I didn't authorized this matter. I want it deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires was not authorized by me. I do not have any account that were opened on the days the inquires was placed on XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 C XXXX, XX/XX/2020 XXXX   XXXX, XX/XX/2020 XXXX. They have also not been verified by Equifax.
Product: Credit reporting or other personal consumer reports

I have recently received a hard inquiry from Navy Federal credit Union that I didn't authorize and I demand that this be removed from my credit report immediately.
Product: Debt collection

Dear US DEPT ED Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

MY CURRENT MORTGAGE COMPANY SPS SELECT PORTFOLIO SERVICING AND MY FORMER MORTGAGE COMPANY XXXX XXXX XXXX XXXX DUE TO THE PANDEMIC I BECAME UNABLE TO POAY MY MORTGAGE FOR THE ENTIRE YEAR OF XXXX IN XXXX I MADE ARRANGEMENTS TO START PAYING MY MORTGAGE I STARTED MAKING ALMOST DOUBLE PAYMENTS FOR HALF OF THE YEAR TOTALING {$7600.00} WHILE ALSO REACHING OUT FOR HELP FROM DEO/HAF WHICH WAS {$12000.00} TOTALING {$19000.00} MY ORIGINAL PAYMENT WAS LESS THAN {$800.00} PER MONTH. I WAS SUCCESSFUL WITH BRINGING THE ACCOUNT CURRENT AND THEN IN XX/XX/XXXX I WAS SUPPOSED TO GO BACK TO TO PAYING LESS THAN {$800.00} PER MONTH TO SPS THEN I STARTED RECEIVING PAYMENT AMOUNTS FOR OVER {$1400.00} AND SPS COULDN'T TELL ME WHY. THEN IN XXXX I WAS TOLD BECAUSE XXXX DROPPED OFF I TOLD SPS TO DROP IT BACK ON AND THEY DID AND THEN MY PAYMENTS WENT BACK DOWN TO LESS THAN {$800.00} BUT IM STILL ON THE HOOK FOR OVER {$3000.00} IN ESCROW AND OVER {$2000.00} IN MORTGAGE PAYMENTS AND BECAUSE I WOULDN'T ACCEPT A REPAYMENT PLAN THAT WAS STILL OVER {$1800.00} PER MONTH FOR 12 MONTHS A LEIN HAS BEEN PLACED ON MY HOME. I HAVE BANK STATEMENTS WHERE I HAVE MADE THE NECESSARY PAYMENTS AS WELL AS A AWARED LETTER FRO DEO /HAF AS WELL AS DOCUMENTATION THAT XXXX NEVER DROPPED OFF AND ACTUALLY HAS BEEN PAID FOR XXXX AND XXXX AND NOW I HAVE TO XX/XX/XXXX TO COME UP WITH ALMOST {$6000.00} TO KEEP MY HOME I AM XXXX  AN D XXXX. PLEASE HELP
Product: Debt collection

Constantly receiving calls from this company despite a formal written notice to cease calls. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX
Product: Checking or savings account

I received a debit card in the mail from Cash App on XX/XX/year>. I have never used or opened an account with Cash App before and currently have a freeze on my credit score with the 3 major rating agencies to avoid having loans, credit cards and bank accounts opened in my name. 

I contacted Cash App to inform them that someone else tried to open an account in my name and that I received a card in the mail. Instead of canceling the account with me providing the information on the card that I received in the mail, they kept insisting on getting my email address to send me a link to cancel it online. After arguing with them about not wanting to provide my email address, they insisted it was the only way they could handle canceling the card. I provided my work email address instead of my personal email and am currently waiting to receive the email to cancel the account and debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} XXXX XXXX : XXXX XX/XX/XXXX