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

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 ( USC 1681. 

Account name : XXXX XXXX, Account name : DPT ED/ XXXX XXXX 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 stat s 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 a handy if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting numerous documents and disputes, Transunion continues to report bad information. These disputes are not being looked into. They are not removing them despite the evidence submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my Equifax and XXXX credit reports, I have previously filed disputes that were resolved regarding a debt with XXXX XXXX XXXX as well as XXXX. These disputes were successfully resolved on my credit reports with Equifax and XXXX but were recently added to my credit file again. 

I filed disputes with Equifax once again regarding the same matters since the previous collections agency that acquired the debts sold those collection accounts to new agencies which were then again added to my credit file. 

Equifax ruled in favor of those collection agencies and the results stayed on my credit file which are preventing me from gainful employment if a government agency. I requested the evidence and supporting documentation from Equifax and they have failed to do so. 

15 U.S.C 1681a I ( 2 ) under the exclusions sections states that a consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The bureau and creditor is in violation of this FCRA law. 

The previous reports ' confirmation numbers I have made with equifax are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Above may be some successful instances where I have had Equifax remove this information from my credit before, if I have succeeded with previous disputes regarding this information before, the derogatory information should not be re-added to my credit report with different collections agencies.
Product: Debt collection

XXXX XXXX hired Aldrige Pite Haan LLP to collect my deb, Aldrige hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then Ms. XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. 
They fabricated the notice, I never received a notice to go on court neither my family did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


AMEX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I appreciate the efforts made to address some of the fraudulent items in my credit file resulting from alleged identity theft. However, there remain items that still require removal. As a victim of fraudulent activity, I am reiterating my request for the removal of these remaining items from my credit report. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that such items be removed no later than four business days following XX/XX/XXXX. I have previously raised this issue in a complaint, and I am resubmitting it here along with my new FTC Report # XXXX. I must emphasize that the information provided on these remaining items is entirely unknown to me and has already been expunged from other credit bureaus. Consequently, I harbor doubts regarding their accuracy. 
EQUIFAX : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Failure to promptly remove the listed remaining items from my credit report may necessitate legal action. My legal counsel is fully informed of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Consider this communication as my final notice to you. I implore you to take immediate action to remove the items resulting from alleged fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT MULTIPLE LETTERS TO XXXX, EQUIFAX AND XXXX IN AN EFFORT TO HAVE MY CONSUMER REPORTS UPDATED. SO FAR I HAVE NOT RECEIVED ANY RESPONSE AND IT HAS BEEN OVER 45 DAYS. 

The FCRA states the banking is dependent upon the accurate reporting. These inaccuracies are harmful to me as a consumer. 

Please remove every address listed except the correct address listed below. 

XXXX XXXX XXXX XXXX, GA XXXX This is the only correct address. 

There are over 20 variations of a name that is not mine listed. 
The only name that should be listed is XXXX XXXX Again the FCRA states the banking system is dependent upon accurate information. Please update immediately.
Product: Credit reporting

I went to the free credit report website to request my free annual reports. I was able to get reports from XXXX and XXXX without a problem. However, when I requested my report from Experian, it said that " a condition exists '' that prevented me from receiving my report, and directed me to mail my request. No other explanation was provided. This seems like a very intentional barrier created by the company to reduce the number of requests they receive. By making it more difficult to get a report, they likely stop many people from requesting them, and thus avoid having to provide them and address challenges to the contents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate accounts I will be seeking a legal remedy XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX. XXXX Late Date XX/XX/XXXX
Product: Mortgage

This is a copy of a letter that was sent to Wells Fargo that explains the situation. 
XXXX # XXXXXX/XX/XXXXAttention : Customer Support, My loan has been reported late for 6 years now and I have never missed a payment. I have written letters like the one below and not had any favorable response. Please keep in mind my payments are auto drafted every XXXX weeks. 
The history is as follows1 ) XX/XX/XXXX my father was diagnosed with XXXX XXXX and given XXXX. 
2 ) I called XXXX XXXX to tell them I would miss some work and went through a lengthy telephone interview3 ) As a result of said interview I was told my next XXXX payments ( XXXX ) would not be drafted and they would be added to the end of my loan. 
4 ) Said payments were not drafted even though there was an ample balance in my account. 
5 ) Years later I discovered my loan being reported late every month yet my payments have been drafted every XXXX weeks on time and never missed. 
Please look at the payment history. You auto draft a payment every XXXX weeks on time and never missed. The only response I received from you is that I asked to not auto draft the payment and I would send it. This makes no sense. I have always had an ample balance in the bank and would not make this mistake. 

I was told that I could pay up by a Wells Forgo representative that I could pay the XXXX payments in question and they would drop the late payments and additional charges which I can do any time. However, my credit is a bigger concern. I asked for a letter from you stating this was an error so I can fix my credit and it was denied. I am asking one more time for help in this matter before I call my attorney general to report this as I am not at fault. This error has affected my ability to secure credit for my business. Your immediate attention is greatly needed. 

I am prepared to pay the payments in question, however I am not at fault for the late payments and interest. I have tried to resolve this on more than XXXX calls or letters and they keep telling me It 's my error, but is is not. My first contact was with XXXX XXXX which authorized a XXXX payment ( XXXX ) " skip a pay '' which occurred and then XXXX sold to Wachovia and the payments started to be reported as late.
Product: Money transfer, virtual currency, or money service

I am filing this complaint due to inadequate customer service and unfair practices by Cash App, which I believe violate the Consumer Financial Protection Act ( CFPA ).

Specifically : Failure to Prevent and Address Fraud : Cash App did not implement timely or effective measures to safeguard my account from unauthorized transactions, leaving it vulnerable and unprotected.

Unfair and Deceptive Dispute Resolution Process : Cash App failed to comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their process lacked transparency and fairness, further exacerbating my financial losses.

These failures have resulted in significant inconvenience, distress, and financial harm. I am seeking appropriate redress for these violations and a resolution to prevent such issues from occurring in the future.
Product: Credit reporting or other personal consumer reports

I had a private student loan payment on XXXX. My loan was originally on deferment. Once the deferment was over I made a payment XX/XX/XXXX however after that payment my loan was then again put on deferment. In XXXX once I tried to make my payment their website/portal informed me I did not owe a payment at that time. After that I checked back in monthly but each time the payment due date was XX/XX/XXXX and it did not give me the option to make a payment. In XX/XX/XXXX XXXX sent me a Passed Due notice informing me a payment was in fact due but this already affected my credit score negatively. Even then when I logged onto the portal it stated I did not in fact have to make a payment until XX/XX/XXXX but I still made a payment for all the months I " missed ''. After that again checked their site was told no payment was due until XX/XX/XXXX and still did not inform me to make any payments. Then again in XXXX i received a Past Due Notice and my credit score took a huge hit. I contacted them and the customer service representative realized it was their fault and apologized that was it their mistake and that the portal was showing incorrect information but they did nothing to resolve this. My credit score dropped XXXX points due to their negligence and my numerous emails have gone unanswered. The only reply I got was that their loan is calculated on a quarterly basis. That does not rectify the issue they made or ease the financial hardship I faced due to their incorrect service. Paying loans is already a stressful process without the lender making you hop through hoops just to make a payment. I have never missed a payment with any of my other credit cards or loans because I check them all on a monthly basis. Due to their systems error I have " missed '' multiple payments and even now their online portal is incorrect. This is a huge injustice and they are taking advantage of student loan repayment services. The company is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding TransUnions failure to conduct a thorough investigation and remove inaccurate information from my credit report despite multiple attempts on my part to resolve the matter. 

I have disputed inaccurate accounts on my credit report several times, providing detailed information and documentation to support my claims. However, despite my efforts, these inaccuracies remain on my credit report. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct reasonable investigations and ensure the accuracy of the information reported. 

The unresolved inaccuracies are causing significant harm to my credit standing and overall financial health. TransUnion 's lack of action to verify the legitimacy of the disputed items and ensure accurate reporting is unacceptable and not in compliance with your responsibilities under the FCRA. 

I am requesting the following : A detailed explanation of the steps taken during your investigations. 
A re-investigation of the disputed items with full compliance to FCRA guidelines. 
Immediate removal or correction of any information that can not be verified or is found to be inaccurate.
Product: Credit card

I applied for American Express Platinum card in XX/XX/XXXX and finished the minimum spending requirement of {$3000.00} in XX/XX/XXXX. The welcome bonus XXXX membership rewards were deposited into my account in XX/XX/XXXX. However, when I tried to transfer membership rewards to my Delta Skymiles account on XXXX XXXX. I was unable to do it. So the following day I called American Express and was told that {$200.00} spending was not counted towards the minimum spend because it was reimbursed as airline credit. The {$200.00} airline credit is part of benefits of the American Express credit card, and I can enjoy it because I have paid annual fee {$450.00}. I also checked terms and conditions of the card, and it says the following. 
Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. The following charges do NOT count towards the Threshold Amount : fees or interest charges ; balance transfers ; cash advances ; purchases of travelers checks ; purchases or reloading of prepaid cards ; or purchases of other cash equivalents. 
From the statements above, it does n't exclude airline credit reimbursement so I do believe that American Express can not use {$200.00} airline credit reimbursement not counting towards minimum spend as a reason for reviewing my account and result in such inconveniences and hassles to me. I am writing to get all my membership rewards points UNFROZEN. 
I view each point of membership rewards around XXXX cents, so a freeze of XXXX membership rewards points is around {$2000.00}. In other words, my loss is around {$2000.00}.
Product: Mortgage

My problems began in XXXX when my only son XXXX  out of state. When we go home, my husband was diagnosed with XXXX XXXX. He died that year in XXXX. At that time my income was reduced to less than half, I was left only with survivor spouses share of his annuity. I also had a very small Social Security income due to my few years of working and I was a XXXX of a small XXXX XXXX. 
In XXXX I was put in the hospital as an emergency with a lump on the XXXX XXXX XXXX XXXX I was immediately put into intensive care for approx 6 weeks. Then I was declared a XXXX and put in a XXXX home until I could get someone to care for me in my own home. 
In XXXX of XXXX, I issued a power of attorney to have my fiances handled as I could no longer use my XXXX XXXX XXXX XXXX, I was XXXX. I also lost the XXXX   because we lived out of town and no one wanted to take over the business, even when I tried to give the business away. The business was closed and I lost that small amount of income from that business. 
In XX/XX/XXXX, my POA notified all my credit card companies, all my charge accounts, and Bank of America whom possessed my mortgage account at that time. The Bank of America was requested to close the account because of the health and financial changes. All these companies were notified of the change in health and income changes and advised that there was no money in the bank so they were asked to stop the automatic payments. Most of the companies did not stop the automatic payments and the bank refused to close the account because they said XXXX had to personally come in to close the account. I don't know how they expected a bedridden person without transportation to personally appear at the bank but they did. As a result of the continued automatic payments the bank account was drained dry. When the Bank was asked to close the account there was approx {$1200.00} in checking and {$400.00} in savings. The bank sued me for outstanding balance. That still has not been paid as I have no money. The XXXX XXXX XXXX knowing the circumstance turned my mortgage account over to XXXX XXXX XXXX. I have tried to get them to lower the interest rate of XXXX percent, the loan payment, refinance the loan, close the account without further payment due to the unscheduled health and financial changes which was outside of XXXX 's control. 
XXXX has lived in the home since approx XXXX and wished to stay there until she dies. She is elderly, XXXX and the only other options would be to be put in a state run XXXX home.
Product: Debt collection

I received a letter in the mail about a collection account this company said I owed to them. I requested that they send me validation that this particular account belonged to me. They were unable to produce any document what so ever and have reported to the CRA without notifying me about said collection to begin with.
Product: Checking or savings account

Received email on XXXX XXXX XXXX that an account was opened at Bank of America in my name. I have tried to speak with them as I do not bank with nor is there one near me. They won't talk to me since I don't have the account number. This account was opened without my say so and I want it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recover ACCT # 's : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Express Recovery is reporting a debt on my credit file that I do not owe. I am unaware of any debts that I owe them because I have been working with the hospital. I called the hospital and they assured me they would take the accounts out of collections and transfer it back to the hospital. This debt should have never been sent to collections, it is erroneous and needs to be removed.
Product: Credit card

I already submitted a complaint several months ago. The complaint number is XXXX I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?
Product: Student loan

XX/XX/2019 I received a call from Navient at XXXX speaking with XXXX . I advised of already making payment arrangement to which she seemed confused by. I received another phone call at XXXX to which I shouldnt as I have already put in to have the owed amount drafted out. The company has repeatedly called numbers not listed as a form of contact. This is very disturbing and unprofessional.
Product: Mortgage

My loan was established as home equity but is actually a mortgage. I owned my home in full at the time of the loan in the amount of XXXX in equity in XXXX for XXXX at 6.75 %. By XXXX the remainder due was approximately XXXX. I did a modification loan for XXXX at 4.875 % and another in XXXX for 40 years After that Wells Fargo transferred me. On both occasions they told me I had lost my job and they told me to stop paying for 3 months and Id be qualified. By the time they told me the terms I couldnt go back. Ive tried to have them explain why I still owe XXXX after 15 years and no one can provide an amortization or explanation I feel they used my equity for their gain. Possibly predatory lending.