23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is Antonio Jamelle Hemphill and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My payment was due on XX/XX/2019 which is a Sunday. The payment was received onXX/XX/19 ; however the company charged me a late fee and interest due to the payment being received the day after it was due. The company agreed to reverse the charges to my account, however when i asked whether they had any controls to ensure that others in a similar situation were credited they said no, that the customer had to call in to have the payment accurately posted. This is not fair to the customers who are not aware that they are being charged fees and interest inappropriately because it requires that they take action to resolve a problem that is known to the card servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax. 

In XXXX the OPM ( office of personal management ) was hacked. A short time later XXXX XXXX XXXX XXXX was hacked.

We put credit freeze on Equifax, XXXX XXXX, and XXXX.  

With the Equifax web sight I has problems and they never sent us a PIN number to be able to lock or unlock OUR data. My wife contacted Equifax for help and after security questions we answered Equifax sent two letters to our mailing address. The one for my wife stated that they had no record of her. How could they have no record of her when she has received a credit report every year for about 15 years. 

For myself, I received an E-Mail from Equifax stating : " Recently, we attempted to deliver a letter to the mailing address on your credit file, however the mail was returned.Please contact Equifax at XXXX  to complete the verification process and begin using your product. Thank you for contacting Equifax. '' My mailing address has not changed from when I received it in XX/XX/XXXX.

Equifax told me in order to receive a PIN Number to mail them information : A copy of my drivers license, My SS #, Two utility bills with my name and and mailing address.

After being irritated for 3 to 4 days because of Equifax, I received a PIN # by US Mail.

Coming from a company that has been hacked and took a very long time to report that our information may or may not have been compromised. They can not even keep our information safe let alone keep track of information that can affect you future.
Product: Money transfer, virtual currency, or money service

On or approximately XX/XX/XXXX XXXX XXXX requested an indemnification letter to be sent to TD Bank to send back {$15000.00} stolen from my account. XXXX XXXX  told me the process would take approximately 60 days. However TD Bank has not responded to the letter. Case number XXXX 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Product: Student loan

On several occasions I have attempted to change my repayment plan through Navient. In the past I was directed to a government website. Again today XXXX, I called Navient and first spoke with " XXXX '' work ID XXXX. She told me my spouse and I earn too much money to qualify for an income based repayment plan ( I am trying to qualify for the Public Student Loan Forgiveness Plan ). A manager named " XXXX '' XXXX repeatedly tried to direct me to a lower repayment plan- I specifically said numerous times that I want to enroll in one of the following plans : Revised Pay As You Earn ( REPAYE ) plan, the Pay As You Earn ( PAYE ) plan, the Income-Based Repayment ( IBR ) plan, the IncomeContingent Repayment ( ICR ) plan. I was told I do not qualify, and the manager keeps changing the subject. After more than 54 minutes on the phone line, much of which is on hold, I am waiting to speak with a representative based out of the United States due to communication barriers. The XXXX XXXX XXXX is trying to prevent me from applying for a qualifying repayment plan for Public Student Loan Forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter certified every 60 days certified with a copy of my social ID bank statement and FTC report. It's been 8 months and nothing been done. my last certified letter was sent in on XX/XX/2021. I sent in copies of proof of my identity and the letter they should have on file already.
Product: Money transfer, virtual currency, or money service

I Am Filing a complaint against Cash App ( Block, INC. ) Due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically. Cash App failed to take timely and an effective measures to prevent an address fraud on their platform, leaving my account on protected and vulnerable. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX Sent a letter requesting each major credit bureau to delete any delinquency that occurred from XX/XX/2024 to XX/XX/2024. Not only has this letter been sent/notified to each credit bureau XXXX XX/XX/2024, I have also disputed with each credit bureau. Each credit bureau has failed to adhere to this very clear and specific request to remove such deliquencies
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed XXXX inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - I previously put a security freeze on my account due to the XXXX breach. I am moving and needed to lift the freeze for credit purposes. The credit freeze was with Experian. I contacted every number they have listed for their services, and I consistently got a machine-operated answering system : you are NOT able to talk to a person. And, the voice-operated answering system only gives you 2 options and a continuous feed of useless information. It is unfathomable to me that the 3 credit agencies are given power to destroy Americans ' lives ; however, they are not required to have " live '' personnel answering calls. Is there absolutely no oversight to this? Thankfully, I found the PIN number used to put the freeze on my account. Had I not, I don't know that I would have ever been able to lift the freeze. And, I have the luxury of a computer - what are the people who do not have this luxury to do?? It is a disgrace that Experian can operate with impunity - they should be required to have " live '' personnel working the phones if the automated voice messaging doesn't provide the needed information given the magnitude of power the credit agencies wield. I can't imagine that Congress or the cfpb would allow Experian to function at this level given what is entrusted to them. An Americans ' credit score is tantamount to a Social Security number in order to get credit ; yet, Experian is not required to provide ANY live Consumer assistance. This is disgusting in my opinion. And, I paid money for the credit freeze as Texas requires it, but yet, I could not get any live help to lift it.
Product: Credit card or prepaid card

I have a Kohls credit card. They closed my account in XX/XX/2018. They stated the reason it was closed was " Principal owner ( s ) have past, present or pending legal action. '' Well I have NO legal actions. This is not a valid reason. And I have no lawsuits with Kohls. They are just closing my account under false pretenses. This is just a made up  reason.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX My accounts with XXXX have been closed and paid in full as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/2022. I have never been late or missed any payments with XXXX. I have numerous letters from XXXX stating this fact. 

I have had over a dozen phone conversations with XXXX regarding getting my credit reporting updated since XX/XX/2022, in reference to correcting reporting to all three credit bureaus to indicate that this is fully paid off with a XXXX balance, closed and all payments on time. Instead of my credit bureaus being corrected, all three credit bureaus are receiving incorrect information from XXXX ( for the second month in a row ) stating that I am 90 days late with four missed payments and very high balances on both XXXX accounts which are closed. This has severely impacted my financial status from being able to conduct financial transactions to possibly impacting my credit with any current creditors. 

I am requesting that all three credit bureaus be corrected to show I am in good standing and on time with no late or missed payments and that the balances with both XXXX  accounts are closed and XXXX  out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC Reference # XXXX. 

I have been notified that my identity had been compromised due to the XXXX data breech. 

I noticed a collection account from Resurgent / LVNV Funding LLC via XXXX XXXX I have never had a XXXXXXXX XXXX account and XXXXXXXX XXXX  is not reporting in my credit file. Resurgent / LVNV Funding LLC has sent me three letters dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent certified mail ( Document attached, Resurgent.pdf ; Page 1 ) that was signed for XX/XX/XXXX. I filled out the form Resurgent / LVNV Funding LLC asked me to fill out ( Document attached, Resurgent.pdf ; Page 4 ), Resurgent / LVNV Funding LLC asked for a notarized copy of their document ( Document attached, Resurgent.pdf ; Page 5 ). 

( Document attached, Resurgent.pdf ; Page 6 ) shows a copy of a XXXXXXXX XXXX statement addressed to XXXX XXXX ( Not my legal name ) with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. I have never lived in Arizona. This is a fraudulent address, on a fraudulent account. This address is not on my credit profile. This collection account needs to be removed as it does not belong to me. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 16c-2, I noticed incorrect details on my credit report that are damaging my creditworthiness. These inquiries were not approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
3. DEPT OF EDUCATION/XXXX XXXX XXXX  Paid, Closed.

4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
6. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
9. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 
10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
12. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently, I had reviewed my credit report and noticed fraudulent accounts as well as inquiries, which I have no knowledge of please Can you remove these fraudulent accounts
Product: Credit reporting or other personal consumer reports

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Product: Credit card or prepaid card

I made a purchase in XXXX of XXXX, and applied for an apple card due to a discount if I opened an account. I gave the apple store clerk all my billing information including email address for which I wanted to receive statements. Apple Store uses Goldman Sachs Bank for their Apple Card. My intent was to pay off the card on the first billing cycle to avoid any interest. Having never received a statement, in XXXX of XXXX I was notified of a negative entry on my credit report from a monitoring service that I have. It was from Goldman Sachs Bank of overdue payment ( which I never received a statement ) On calling the Bank XX/XX/XXXX the representative I spoke with stated the statements go out electronically. I explained that I never received any electronic statement and would like to know where it was sent. The representative stated she could not give out that information. I asked for the address to send a complaint regarding not receiving any statements and was given Goldman and Sachs/Apple Card XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX ( In the middle of the current pandemic ) I sent a certified letter to Goldman Sachs explaining the situation and requested mailed copies of statements, as well as provided my email address and telephone number so someone could get back to me to discuss this issue. I also requested all paper bills from this point forward because I was not receiving electronic bills, as well as a redaction of the delinquency in my credit report. Although I received the paper statements up to XXXX in XXXX of XXXX, I still have not received any paper monthly statements. I saw that the email they had on the account is not my email address that I provided to the Apple Store representative for the application. 

The statement stated I owed {$2500.00}. On XX/XX/XXXX I sent a certified letter with the full amount that was owed, stating this was my payment in full to close the account. It was posted to the account XX/XX/XXXX. I also included in the letter to have all correspondence of this account be in writing and gave an address and telephone number. Nothing was ever received from the company. 

I made an inquiry in XXXX of XXXX and found the account was never closed and still accruing interest. When I called and spoke to the representative I was told that all cancelled accounts had to be done over the phone. When I stated that I sent a certified letter with instructions, she repeated that all accounts had to closed by phone. In order to close the account I had to pay an additional {$14.00} for interest ... on statements I never received? 

I find it appalling that a company can do this. I hope this complaint can be rectified and any interest charges that were paid be refunded as they bank was not sending any information as requested in order to payoff and close the account.
Product: Student loan

On XX/XX/XXXX, I pulled my credit report and was surprised to find four late  payments that were reported by Navient. 
I then called Navient between XX/XX/XXXX and XX/XX/XXXX to ascertain the details on the late payments and the representative I spoke with was unable to find any information regarding the late payments that were reported to the credit bureaus. Consequently, I assumed that this confirmed that the four late payments were an error and filed a credit dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX I received the dispute results. The results were that Navient had reported the late payments correctly. Furthermore, on XX/XX/XXXX I called Navient again and spoke to a representative with the new data I had received from the dispute outlying the exact dates being XXXX and XXXX of XXXX and got the exact loans that had been reported as the following : 4 Navient accounts - XXXX - XXXX - XXXX - XXXX Stafford Subsidized loan The representative was able to see that I was coming out of forebearance and the rest of my loans as I carry multiple student loans with Navient were still on or continued to be on Autopay, however, these for some reason went to manual pay and only these select 4. 
The automatic debits should have been reactivated after forebearance as the other loans were. 

The representative told me that this very well could have been a technical glitch on the system and to send a narrative with the credit dispute copy attached to this address. 

I did this and sent a narrative similar to above with a credit report dispute result on XX/XX/XXXX via USPS Priority mail. Navient said they would respond within 30 days. As of XX/XX/XXXX they have not responded or issued me any correspondence.
Product: Credit reporting or other personal consumer reports

I request that you investigate and remove these two fraudulent Claims from my client 's lexisneixs CLUE report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. My privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of claims that needs to be removed : XXXX Records Date of claim XX/XX/XXXX XXXX of Claim : XX/XX/XXXX XXXX Date of Claim : XX/XX/XXXX