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

On XX/XX/XXXX, I sent a letter to Equifax via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 2. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. XXXX 3. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 4. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX 5. Creditor : XXXX XXXX  for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX 7. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX XXXX XXXX'. I have also attached images of the USPS Certified Mail receipt.

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries.

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry.

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested Capital One to process my payments promptly or change my due date and they refuse to update it.
Product: Credit card or prepaid card

NetSpend has questionable business practices. I noticed my balance dwindling so I called to clarify the unauthorized charges that appeared to be mistakes. 

I was not informed of the {$2.00} charges for ATM usage. Then I noticed {$1.00} fees which did n't make sense which they later stated was due to my card being declined at the ATM! 

Why would you charge someone who did n't have enough funds to withdraw money in the first place? None of the fees were I made aware of until it occurred. This company is very shady. Please investigate further.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they have failed to update and change this information after I submitted documentation. 

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear TransUnion, I am writing to formally dispute several hard inquiries on my credit report that I did not authorize. My name is XXXX XXXX, and my XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I identified 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these inquiries were authorized by me, and I request that they be investigated and removed from my credit report. 
Under 15 U.S. Code 1681c-2, a consumer reporting agency must block reporting any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. I assert that these inquiries fall under this provision.

Additionally, under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), the inquiries listed above are in violation of the requirement to report information accurately. These inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1681, I have the right to privacy. Furthermore, under 1681 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. Therefore, I am requesting the original copy of the agreement and terms and conditions related to these inquiries.

Please be advised that failure to comply with these requests will result in forfeiture of your claims, and I will require you to delete all the listed items above. You are required to block these transactions from being reported to my consumer report within four ( 4 ) days from the date of receipt of this notice. 

Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
I look forward to your prompt response regarding this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax and their failure to adhere to Federal guidelines regarding the accurate and fair reporting of collection attempts and credit related information. Their failure to adhere to Federal guidelines has caused me great harm, preventing me from purchasing a home. I received a collection notice attempt an attorney ( see document packet attachment ). I responded to the collection attempt asking for proof. The document furnished to me by the attorneys office as proof of debt ownership had been altered. Their document omitted the critical " lease end '' dates that will show our lease was month to month and we had submitted a " Notice to Vacate '' 30 days prior to moving-fulfilling our lease requirements of a " 20 day notice to vacate ''. This would have proven our claim that the debt is malicious, false and illegal. I have included a packet of the entire correspondence. I sent a similar packet contesting the validity and legality of the collection to all three credit bureaus. After a full investigation into my claims both XXXX and XXXX credit bureaus have removed the XXXX XXXX collection and the XXXX XXXX collections from my credit profiles. Both of my XXXX and XXXX credit profiles are CLEAR of ANY collections, yet Equifax illegally retains false, and in the case of the XXXX XXXX debt collections, illegal collection attempts. Please note that Washington State and Congress ruled it illegal for insurance companies to blind side and bill patients for " out-of-network '' doctor bills/fees. This is the case with the XXXX XXXX collection attempts over the years. Equifax refuses to acknowledge these false debts and remove them, where as the other credit bureaus have. Again, I have included a packet of all relevant documents proving my complaint.
Product: Checking or savings account

Used Chase ATM : Wednesday XXXX XXXX XXXX  Using XXXX Debit Card withdrawal {$220.00} ( have used same ATM several times before, it charges me {$3.00} fee to withdraw money from XXXX. I prefer Chase ATM because I can get {$100.00} 's, {$20.00} 's and {$5.00} 's. This withdrawal specifically was {$220.00}. Everything went fine until it went to dispense cash, I heard it run through a couple times and then nothing, no cash was dispensed, only ATM Slip that shows withdrawal from checking $ XXXX+fees ( completed ) but below it says " We're Sorry ATM Can not Dispense Cash At This Time please contact XXXX ( XXXX ) XXXX '' So I am freaking out and call the #, they tell me since I am not a Chase customer they can't help me. I call XXXX and everything on their end shows that I got the money from a completed ATM withdrawal. This is the problem I dont want to file a dispute with XXXX when it was Chase ATM that is the problem. I decided to wait until the following day and call at XXXX. I speak with XXXX who I explain situation, shes very cordial and understanding and says she will call me back. She calls back and explains I have to go through XXXX. I dont accept that answer and ask for her supervisor, she says she will have Branch manager contact me. By XXXX that night I havent heard from the manager, so I go into the bank, the branch manager reluctantly helps me after making me wait for 15-20 minutes. He explains theirs nothing they can do and I ask when they balance the ATM because it will be positive {$220.00} that is my cash, he says once a week but he isnt willing to help. I explain, why would I file an investigation on a complete ATM withdrawal that isnt XXXX issue, its Chase. He says since I am not a Chase customer he can't help me. I asked for his supervisor because I explain I needed that cash Wednesday night, not in 2 weeks from now. He gives me his supervisor 'contact info. No remorse, etc, just more of a sorry man its not my deal, although he agrees it doesnt make sense for me to call XXXX and file a dispute on a complete ATM withdrawal and ask for a credit. That seems like I just withdrew {$220.00} and then am calling and saying oh it didnt work I need you to credit me back that money. Why would I do that when Chase can just count the ATM and see their is a discrepancy, and he also has seen the slip I got when the error occurred. Please help me rectify this situation, I just want the cash they are holding onto at the Chase Bank. Thank You!
Product: Other financial service

We have been customers of Nationwide Biweekly Administration Inc. since XX/XX/XXXX. I have had MANY arguments with them about how they were not saving us money and they argued if they were wrong, they would have to refund me every single fee, so they were right because they were n't going to. They performed an audit to try and prove they were saving us money. They have very often been late on making our mortgage payments, not 'on the books ' late, but when we signed up our contract said our mortgage is due ON the XXXX of every month. No the XXXX or XXXX. Now on XX/XX/XXXX I get a letter in the mail saying my account is suspended and they have {$680.00} of our money. They will not answer their phones and our mortgage payment is due tomorrow and we do n't know what to do. We feel we are entitled to at least every single fee we have ever paid them, including weekly fees, and of course we want to cancel because this letter shows how irresponsible they are. Plus they have our money and wo n't answer the phone. It literally hangs up on you. I emailed them and my emails bounced back. What do I do??? Please help.
Product: Mortgage

We asked Caliber Home Loans to change our auto pay from bi-weekly to monthly, We were current on our loan. They agreed and sent us a letter stating our next payment would be withdrawn on XX/XX/XXXX. It was not withdrawn. We called 2x, telling them it was not withdrawing. They assured us that we would not be charged a late fee. They did not attempt to fix the problem. When we called next and found out they had not even attempted to fix the problem, we asked to speak to a manager and were told they would call us back by the XXXX of XXXX. They did not, and they charged us a late fee. We called on the XXXX, spoke to XXXX, who reversed the late fee, and tried to connect us to a manger, but said they would call us back the same day. They did not. Today, the XXXX, we made a payment through the web portal, because I am sure they would be reporting us to the credit agencies soon. Caliber Home loans need to fix this problem.
Product: Debt collection

I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I used my credit card to purchase a few things in XX/XX/2022 I thought I paid of credit card in full but turns out I was short XXXX XXXX  it took me XXXX months to notice this once I did I paid XXXX dollars to catch my account up to date. After paying them they then decided to go furnish the late payment on my credit report dropping my score severely I've called XXXX times asking/begging them to remove the late payments because I am a survivor of XXXX XXXX and I need to move ASAP for my safety but as of right now I can't because my score dropped so bad please can you guys help me and remove the late payments that were recently added to my report please. Since 15 U.S. CODE 166b so I would very much appreciate it once it's taken off so I can move for my safety
Product: Consumer Loan

I got a car from Carplex in XXXX XXXX it was financed through American International Finance a in-house finance company. I traded in a vehicle which was paid for as part of down payment, i was to give the AIF {$1500.00} which they called a deferred down payment on XXXX XXXX with tax refund, I contacted the company to inform that my return was being reviewed and would not receive in time and ask for an extension of time to pay it, my car payments were up to date, i was told I would get a call back to let me know, no one returned by call instead they came and got my car without telling me. after finding out that AIF had picked up the car I was told that they would refund some of my money back and would forgive me of the loan, myself and a representative from the company signed off on a letter which is attached forgiving me of the loan and that it would not be reported as negative or repossession on my credit report. It has been very hard for to obtain another vehicle because this account is still showing as open, they have not reported since XX/XX/XXXX. I actually had to get a co-signer so that I could get another vehicle because Carplex/American International Finance refuse to report to the Credit Bureau that the account is now closed, I have contacted them numerous times regarding this matter.
Product: Credit reporting

I went on XXXX. I wanted my credit score from Experian so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked by the fine print scam and they refuse to give me my money back.
Product: Debt collection

I was the victim of identity theft in the past, I had my personal information stolen with my SSN and drivers license ( my signature is alo on my SSN and drivers license along with my mailing address ) and ever since I notice accounts, credit card, auto loans and other information showing up on my credit that I am not aware of. I also reached out to the Company and made them aware but they threaten me to pay and if not my credit will be messed up and I will not be able to take out any credit for 7 years
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and everything is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the  next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact transunion about a account called XXXX XXXX XXXX on XXXX and sent in documents to open a fraud dispute, i will attach the ftc report. The claim was XXXX for completion and the date was pushed back saying the claim will be completed on XXXX, now it is XXXX monday of XXXX and there telling me the completion date is the XXXX of XXXX. Something is wrong and this is totally against the procedure. If this doesnt get resolved or removed from my report im going to sue. I have all the screenshots and documents including the certified mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

I had account with Capital One Bank they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report XXXX XXXX collection opened account {$610.00} XXXX XXXX and the original creditor is Capital One Bank. I didn't authorize Capital One to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.
Product: Credit reporting or other personal consumer reports

I did an application for auto refinance and it was suppose to be a soft inquiry not a hard inquiry. Thats what I thought and thats why I did the application otherwise I wouldnt have done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting or other personal consumer reports

Paid off car and it was reporting payment history monthly until I paid it off and then it disappeared from all 3 credit bureaus. Now there is no history that I ever had an account with Honda Finance.